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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
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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:

148 Results


Nationwide Only
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
GTE Financial36 Month IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
1.75%
$500-$1,339
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth, CESA)18 Reviews
1.66%
$4k-$1,266
Credit Union of America36 Month IRA Certificate (Traditional, CESA, Roth)
1.65%
$500-$1,262
EverBank3 Year Yield Pledge IRA (Traditional, Roth)20 Reviews
1.65%
$1,500-$1,258
Grow Financial FCU36 - 47 Month IRA Certificate12 Reviews
1.65%
$500-$1,247
Capital One 36036 Month IRA (Traditional, Roth)192 Reviews
1.60%
--$1,223
1.60%
$2k-$1,223
1.60%
$500-$1,219
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)333 Reviews
1.60%*
$25k-$1,219
Self-Help FCU36 Month IRA
1.56%
$100-$1,192
1.56%
$500-$1,192
Navy FCU3 Year IRA (Traditional, Roth, SEP)109 Reviews
1.55%*
$20k-$1,181
Alliant Credit Union36 - 47 Month Jumbo Roth IRA35 Reviews
1.55%
$25k-$1,171
MutualOne Bank30 Month IRA (Traditional, Roth)1 Review
1.51%
$500-$957
Mountain America Credit Union36 Month IRA (Traditional, Roth)13 Reviews
1.50%
$500-$1,145
Synchrony Bank36 Month IRA CD (Traditional, Roth)120 Reviews
1.50%*
$2k-$1,145
Discover Bank3 Year IRA (Traditional, Roth)90 Reviews
1.50%
$2,500-$1,142
Chevron FCU3-Year IRA (Traditional, Roth)3 Reviews
1.50%
$500-$1,142
1.46%
$1k-$1,111
Chartway FCU36-47 Month IRA (Traditional, Roth, CESA)20 Reviews
1.46%*
$25k-$1,102
Premier America Credit Union36 Month IRA (Traditional, Roth, CESA)6 Reviews
1.45%*
$25k-$1,106
State Department FCU36 Month IRA Certificate (Traditional, Roth)4 Reviews
1.45%
$500-$1,106
First Internet Bank of IN36 Month IRA (Traditional, Roth, CESA)6 Reviews
1.41%
--$1,075
Mid-Illini Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
1.41%
$500-$1,075
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)1 Review
1.41%
$1k-$1,072
Garden Savings FCU3 Year IRA Share Certificate (Traditional, Roth, CESA)
1.41%
$500-$1,072
Tampa Bay FCU36 - 47 Month IRA Certficate (Traditional, Roth, CESA)4 Reviews
1.41%*
$500-$1,063
Northern Bank & Trust Company36 Month IRA (Traditional, Roth, CESA, SEP)
1.40%
$500-$1,068
State Farm Bank36 Month IRA (Traditional, Roth)27 Reviews
1.40%*
--$1,068
AgFed Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)
1.40%
$1k-$1,068
1.40%*
$1k-$1,065
5Star Bank3 Year IRA (Traditional, Roth)2 Reviews
1.40%
$1k-$1,065
1.40%
$2k-$1,065
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)1 Review
1.38%
$2k-$1,049
United States Senate FCU36-48 Month IRA (Traditional, Roth, SEP)2 Reviews
1.37%*
$20k$100k$1,033
1.36%
$1k-$1,037
Signal Financial FCU36 Month IRA Share Certificate (Traditional, Roth)
1.36%
$2k-$1,037
First Technology FCU36 Month IRA (Traditional, Roth, CESA)17 Reviews
1.35%
$500-$1,029

Displaying 1-40 of 148 Results


3 Year IRA Rate Trend

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.