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3 Year IRA Rates

Compare rates on 3 year IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 3-year IRA CDs and how they can be a beneficial tool in your retirement strategy.

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Deposit Amount
$1 $100,000
Credit Union options

Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

151 Results

Nationwide Only
GTE Financial36 Month IRA Certificate (Traditional, CESA, Roth, SEP)13 Reviews
2.02%
$500-$1,550
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)7 Reviews
2.00%
$2k-$1,535
Mountain America Credit Union3 Year IRA (Traditional, Roth)17 Reviews
2.00%
$500-$1,530
EverBank3 Year Yield Pledge IRA (Traditional, Roth)27 Reviews
2.00%
$5k-$1,530
Grow Financial FCU30 - 35 Month IRA Certificate13 Reviews
2.00%
$500-$1,490
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)
1.98%
$500-$1,515
First Internet Bank of IN36 Month IRA (Traditional, Roth, CESA)9 Reviews
1.94%
$1k-$1,488
Hughes FCU36 Month IRA (Traditional, Roth, SEP)
1.87%
$1k$50k$1,433
RTN FCU37 Month IRA Special (Traditional, Roth, CESA, SEP)
1.85%*
$1k-$1,457
Synchrony Bank36 Month IRA CD (Traditional, Roth)176 Reviews
1.85%*
$25k-$1,417
1.85%
$2k-$1,417
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth)20 Reviews
1.81%
$4k-$1,382
Bethpage FCU36 Month IRA (Traditional, Roth)6 Reviews
1.80%
$50-$1,378
Xceed Financial FCU36 Month Variable IRA (Traditional, Roth, CESA)15 Reviews
1.79%
$10k-$1,371
Langley FCU36 Month IRA (Traditional, Roth)
1.76%
$500-$1,347
Home Savings Bank36 Month Internet Only IRA
1.75%
$5k$250k$1,339
Bellco Credit Union36 Months IRA (Traditional, Roth, CESA)10 Reviews
1.75%
$500-$1,339
Northpointe Bank36 - 47 Month Fixed IRA11 Reviews
1.75%
$500-$1,324
1.71%
$1k-$1,305
Northwest FCU3 Year IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
1.71%*
$1k-$1,305
Nationwide Bank36 Month IRA (Traditional, Roth, CESA, SEP)90 Reviews
1.70%*
--$1,300
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)
1.70%
$1k-$1,300
State Department FCU36 Month IRA Certificate (Traditional, Roth)5 Reviews
1.70%
$500-$1,300
State Farm Bank30 Month IRA Special (Traditional, Roth)30 Reviews
1.70%*
$500-$1,079
Chartway FCU36-47 Month IRA (Traditional, Roth, CESA)22 Reviews
1.66%*
$25k-$1,255
United States Senate FCU36-48 Month IRA (Traditional, Roth, SEP)3 Reviews
1.66%*
$20k$100k$1,255
Credit Union of America36 Month IRA Certificate (Traditional, CESA, Roth)1 Review
1.65%
$500-$1,262
American Bank36 Month CESA Promotion3 Reviews
1.65%
$500-$1,262
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)1 Review
1.65%
$1k-$1,258
Chevron FCU3-Year IRA (Traditional, Roth)5 Reviews
1.65%
$500-$1,258
Alliant Credit Union36 - 47 Month Jumbo CESA36 Reviews
1.65%
$25k-$1,247
Xcel FCU36 Month IRA (Traditional, Roth, CESA)8 Reviews
1.60%
$500-$1,223
Air Force FCU3 Year IRA (Traditional, Roth, CESA)
1.60%*
$1k-$1,219
Discover Bank3 Year IRA (Traditional, Roth)122 Reviews
1.60%
$2,500-$1,219
1.60%
$500-$1,219
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)501 Reviews
1.60%*
$25k-$1,219
Michigan State University FCU36-47 Month IRA (Traditional, Roth, CESA, SEP)6 Reviews
1.60%
$500-$1,209
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)2 Reviews
1.57%
$2k-$1,196
Self-Help FCU36 Month IRA
1.56%
$100-$1,192
Self-Help Credit Union36 Months IRA (Traditional, Roth)7 Reviews
1.56%
$500-$1,192

Displaying 1-40 of 151 Results


3-Year IRA CD

3-Year IRA CDs are time deposits made by investors to a financial institution that have certain restrictions that govern their use. The federal government guarantees deposits up to $250,000 per individual, per FDIC or NCUA-insured institution. Investing in 3 Year CDs is a secure way to grow savings at a higher rate of interest than typical savings accounts.

What is an IRA CD?

An IRA CD is a retirement account that uses a fixed-time investment instrument to increase earnings. The IRA component means tax liabilities (and advantages!), and the CD is the underlying investment that grows the account at a fixed rate. One advantage of the IRA CD, as opposed to the standard IRA Savings account, is that banks and credit unions will usually not charge a monthly management fee. A brokered CD also charges a fee, so be sure to read the fine print if you go that route.

Moving IRA CD Proceeds

As long as you move your IRA CD proceeds to another IRA vehicle after the CD’s maturity, you can continue to defer taxes on earnings. The 3-Year IRA CD is on the longer side of available investments, so you should evaluate if and when you will need the funds so as to avoid incurring early withdrawal penalties. The Traditional IRA CD allows you to write off yearly contributions from your income, and the Roth IRA CD allows you to freely withdraw any of your contributions for any reason, as they are post-tax dollars.




The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.