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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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155 Results

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KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)
INOVA FCU30 Month Bonus Time CD - New Money (Traditional, Roth, CESA)29 Reviews
Third Federal Savings and Loan (OH)39 Month IRA Special (Traditional, Roth, SEP)3 Reviews
First Internet Bank36 Month IRA (Traditional, Roth)14 Reviews
5Star Bank36 Month Variable IRA (Traditional, Roth)1 Review
EverBank3 Year Yield Pledge IRA (Traditional, Roth)61 Reviews
McGraw Hill FCU30 Month Promo IRA (New Money) (Traditional, Roth, CESA)
Communitywide FCU36 Months IRA (Traditional, Roth)5 Reviews
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth)20 Reviews
American Heritage FCU36 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)27 Reviews
Northpointe Bank37 Month IRA Special21 Reviews
Salal Credit Union36 Month IRA Certificate (Traditional, Roth, CESA)
Alliant Credit Union36 - 47 Month Jumbo CESA41 Reviews
Xceed Financial FCU30 Month IRA Promo (Traditional, Roth, CESA)15 Reviews
UNIFY Financial Credit Union36 Month Variable IRA (Traditional, Roth, CESA)10 Reviews
Nationwide Bank36 Month IRA (Traditional, Roth, CESA, SEP)159 Reviews
MutualOne Bank36 Month IRA (Traditional, Roth)1 Review
Bethpage FCU36 Month IRA (Traditional, Roth)6 Reviews
Freedom Credit Union (PA)36 Month IRA CD (Traditional, CESA, Roth)3 Reviews
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)2 Reviews
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)623 Reviews
Consumers Credit Union (IL)30 Month IRA (Traditional, Roth, CESA, SEP)74 Reviews
United States Senate FCU36-48 Month IRA (Traditional, Roth, SEP)4 Reviews
Self-Help Credit Union36 Month IRA (Traditional, Roth)9 Reviews
Self-Help FCU36 Month IRA (Traditional, Roth)2 Reviews
Synchrony Bank36 Month IRA CD (Traditional, Roth)263 Reviews
Discover Bank3 Year IRA (Traditional, Roth)177 Reviews
Signature FCU3 Year IRA Certificate (Traditional, Roth, CESA)5 Reviews
Financial Resources FCU35 Month Bump-Up IRA Special (Traditional, Roth, CESA)1 Review
State Farm Bank30 Month CESA Special31 Reviews
GTE Financial36 Month IRA Certificate (Traditional, CESA, Roth, SEP)24 Reviews
Pen Air FCU36 Month IRA (Traditional, Roth, CESA, SEP)10 Reviews
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)9 Reviews
Michigan State University FCU3 Year IRA (Traditional, Roth, CESA, SEP)7 Reviews
Golden 1 Credit Union35 Month IRA Special (Traditional, Roth, CESA)30 Reviews
People's Trust FCU36 Month IRA (Traditional, Roth, CESA, SEP)1 Review
Hughes FCU36 Month IRA (Traditional, Roth, SEP)

Displaying 1-40 of 155 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.