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.

ALERT: Due to the recent, emergency interest rate cuts by the Fed, we're detecting a high volume of deposit rate changes by banks and credit unions. If you're unable to find an account, it may be hidden temporarily while it is being reviewed for accuracy. Read more here.
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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

Nationwide Only
Lafayette FCU3 Year Fixed IRA (Traditional, Roth, CESA)3 Reviews
Hughes FCU36 Month IRA (Traditional, Roth, SEP)8 Reviews
United Educators Credit Union36 Month FlexRate IRA (Traditional, Roth, CESA, SEP)
Georgia's Own Credit Union3 Year IRA (Traditional, Roth, CESA)16 Reviews
Pen Air FCU36 Month IRA (Traditional, Roth, CESA, SEP)18 Reviews
Financial Partners Credit Union36 to 47 Month IRA (Traditional, Roth)7 Reviews
Superior Choice Credit Union3 Year IRA (Traditional, Roth)9 Reviews
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)3 Reviews
RiverLand FCU36 Month IRA Certificate (Traditional, Roth, CESA)1 Review
State Department FCU36 Month IRA Certificate (Traditional, Roth)9 Reviews
Signature FCU3 Year IRA Certificate (Traditional, Roth, CESA)9 Reviews
Matadors Community Credit Union36 Month IRA (Traditional, Roth)1 Review
TruStone Financial Credit Union36 Month IRA (Traditional, Roth)9 Reviews
Technology Credit Union36 - 47 Month IRA (Traditional, Roth)9 Reviews
Discover Bank3 Year IRA (Traditional, Roth)223 Reviews
Ally BankIRA High Yield 3 Year CD (Traditional, Roth, SEP)717 Reviews
Hiway FCU36 – 47 Month IRA (Traditional, Roth, CESA)6 Reviews
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)43 Reviews
AFFCU3 Year IRA Share Certificate (Traditional, Roth)1 Review
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)5 Reviews
Communitywide FCU36 Month IRA (Traditional, Roth)4 Reviews
Synchrony Bank36 Month IRA CD (Traditional, Roth)334 Reviews
Chartway FCU36-47 Month IRA (Traditional, Roth)28 Reviews
Wings Financial Credit Union3 Year Dividend Paid Quarterly IRA (Traditional, Roth, CESA)36 Reviews
Veridian Credit Union41 Month Bump Up IRA Special (Traditional, Roth, CESA)23 Reviews
Capital One36 Month 360 IRA (Traditional, Roth)432 Reviews
Chevron FCU36 Month IRA (Traditional, Roth)5 Reviews
Pinnacle FCU36 Month IRA (Traditional, Roth, CESA)4 Reviews
Spectrum Credit Union36 Month IRA (Traditional, Roth)2 Reviews
Greenwood Credit Union36 Month IRA Certificate (Traditional, Roth, CESA, SEP)17 Reviews
Patelco Credit Union36 - 47 Month IRA (Traditional, Roth, CESA)19 Reviews
Georgia Banking Company3 Year IRA Certificate (Traditional, Roth)12 Reviews
Parda FCU3 Year Traditional IRA (Traditional, Roth)1 Review
Hyperion Bank36 Month IRA (Traditional, Roth)
MTC FCU36 Month IRA Plus (Traditional, Roth, CESA)
Wheelhouse Credit Union33 Month IRA Certificate Special - New Money (Traditional, Roth)

Displaying 1-40 of 152 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 APY (Annual Percentage Yield) 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.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers 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 [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.