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
1.81%
$500-$1,382
Hughes FCU36 Month IRA (Traditional, Roth, SEP)8 Reviews
1.77%
$1k-$1,351
United Educators Credit Union36 Month FlexRate IRA (Traditional, Roth, CESA, SEP)
1.76%
$500-$1,343
Georgia's Own Credit Union3 Year IRA (Traditional, Roth, CESA)16 Reviews
1.65%*
$500-$1,258
Pen Air FCU36 Month IRA (Traditional, Roth, CESA, SEP)18 Reviews
1.65%
$500-$1,258
Financial Partners Credit Union36 to 47 Month IRA (Traditional, Roth)7 Reviews
1.50%
$1k-$1,132
1.45%
--$1,103
Superior Choice Credit Union3 Year IRA (Traditional, Roth)9 Reviews
1.45%*
$25k-$1,103
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)3 Reviews
1.45%
$2k-$1,103
RiverLand FCU36 Month IRA Certificate (Traditional, Roth, CESA)1 Review
1.45%
$1k-$1,103
State Department FCU36 Month IRA Certificate (Traditional, Roth)9 Reviews
1.41%
$500-$1,072
Signature FCU3 Year IRA Certificate (Traditional, Roth, CESA)9 Reviews
1.40%*
$500-$1,065
Matadors Community Credit Union36 Month IRA (Traditional, Roth)1 Review
1.35%
$10k-$1,026
TruStone Financial Credit Union36 Month IRA (Traditional, Roth)9 Reviews
1.35%
$500-$1,026
Technology Credit Union36 - 47 Month IRA (Traditional, Roth)9 Reviews
1.35%
$1k-$1,018
Discover Bank3 Year IRA (Traditional, Roth)223 Reviews
1.30%
$2.5k-$988
Ally BankIRA High Yield 3 Year CD (Traditional, Roth, SEP)717 Reviews
1.30%*
--$988
Hiway FCU36 – 47 Month IRA (Traditional, Roth, CESA)6 Reviews
1.30%*
$25k-$979
Connexus Credit Union36 Month IRA Certificate (Traditional, Roth)43 Reviews
1.26%
$5k-$957
AFFCU3 Year IRA Share Certificate (Traditional, Roth)1 Review
1.25%*
$25k-$949
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)5 Reviews
1.25%
$1k-$949
Communitywide FCU36 Month IRA (Traditional, Roth)4 Reviews
1.25%
$1k-$949
Synchrony Bank36 Month IRA CD (Traditional, Roth)334 Reviews
1.25%
$2k-$949
Chartway FCU36-47 Month IRA (Traditional, Roth)28 Reviews
1.25%
--$941
Wings Financial Credit Union3 Year Dividend Paid Quarterly IRA (Traditional, Roth, CESA)36 Reviews
1.21%*
$10k$100k$919
Veridian Credit Union41 Month Bump Up IRA Special (Traditional, Roth, CESA)23 Reviews
1.20%
$1k$100k$1,042
1.20%
$200-$911
Capital One36 Month 360 IRA (Traditional, Roth)432 Reviews
1.20%
--$911
1.20%
$500-$911
Chevron FCU36 Month IRA (Traditional, Roth)5 Reviews
1.20%*
$500-$911
Pinnacle FCU36 Month IRA (Traditional, Roth, CESA)4 Reviews
1.20%
$500-$911
Spectrum Credit Union36 Month IRA (Traditional, Roth)2 Reviews
1.20%*
$500-$911
Greenwood Credit Union36 Month IRA Certificate (Traditional, Roth, CESA, SEP)17 Reviews
1.20%
$1k-$911
Patelco Credit Union36 - 47 Month IRA (Traditional, Roth, CESA)19 Reviews
1.20%
$250-$903
Georgia Banking Company3 Year IRA Certificate (Traditional, Roth)12 Reviews
1.15%
$500-$872
Parda FCU3 Year Traditional IRA (Traditional, Roth)1 Review
1.15%
$500-$872
1.15%
--$872
Hyperion Bank36 Month IRA (Traditional, Roth)
1.15%
$500-$872
MTC FCU36 Month IRA Plus (Traditional, Roth, CESA)
1.15%
$10k-$872
Wheelhouse Credit Union33 Month IRA Certificate Special - New Money (Traditional, Roth)
1.15%
$1k-$800

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.