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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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150 Results

Nationwide Only
KS StateBank3 Year IRA - In Branch Only (Traditional, Roth)
2.10%
$500-$1,608
EverBank3 Year Yield Pledge IRA (Traditional, Roth)39 Reviews
2.10%
$5k-$1,608
First Internet Bank of IN36 Month IRA (Traditional, Roth)12 Reviews
2.02%
$1k-$1,550
GTE Financial36 Month IRA Certificate (Traditional, CESA, Roth, SEP)21 Reviews
2.02%
$500-$1,550
Melrose Credit Union3 Year Share IRA Certificate (Traditional, Roth)20 Reviews
2.01%
$4k-$1,538
Third Federal Savings and Loan (OH)39 Month IRA Special (Traditional, Roth, SEP)3 Reviews
2.00%
--$1,666
Bethpage FCU36 Month IRA (Traditional, Roth)6 Reviews
2.00%
$50-$1,535
Salem Five36 Month IRA Special (Traditional, Roth, CESA, SEP)8 Reviews
2.00%
$2k-$1,535
INOVA FCU30 Month IRA (Traditional, CESA, Roth)28 Reviews
2.00%
$200-$1,272
Air Force FCU3 Year IRA (Traditional, Roth, CESA)
1.95%*
$1k-$1,491
5Star Bank36 Month Variable IRA (Traditional, Roth)1 Review
1.92%
$250-$1,472
1.90%
$2k-$1,456
Evansville Teachers FCU3 Year IRA (Traditional, Roth, CESA)2 Reviews
1.90%
$1k-$1,452
Hughes FCU36 Month IRA (Traditional, Roth, SEP)
1.87%
$1k$50k$1,433
MutualOne Bank36 Month IRA (Traditional, Roth)1 Review
1.87%
$500-$1,433
1.87%
$1k-$1,429
Interior FCU36 Month IRA Certificate (Traditional, Roth, CESA)
1.86%*
$500-$1,425
RTN FCU37 Month IRA Special (Traditional, Roth, CESA, SEP)
1.85%*
$1k-$1,457
Utah First FCU36 Month IRA (Traditional, Roth, CESA)
1.85%
$500-$1,417
Synchrony Bank36 Month IRA CD (Traditional, Roth)221 Reviews
1.85%*
$25k-$1,417
Mutual of Omaha Bank36 Month IRA Special (Traditional, Roth, SEP)3 Reviews
1.85%
$1k-$1,417
Michigan State University FCU3 Year IRA (Traditional, Roth, CESA, SEP)7 Reviews
1.85%
$500-$1,401
Self-Help Credit Union36 Month IRA (Traditional, Roth)9 Reviews
1.82%
$500-$1,394
Self-Help FCU36 Month IRA (Traditional, Roth)2 Reviews
1.82%
$100-$1,394
Mountain America Credit Union3 Year IRA (Traditional, Roth)21 Reviews
1.80%
$500-$1,374
Signature FCU3 Year IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.80%
$500-$1,374
Grow Financial FCU36 - 47 Month IRA Certificate13 Reviews
1.80%
$500-$1,363
State Farm Bank30 Month CESA Special31 Reviews
1.80%*
$500-$1,143
Xceed Financial FCU36 Month Variable IRA (Traditional, Roth, CESA)15 Reviews
1.79%
$10k-$1,371
Langley FCU36 Month IRA Special1 Review
1.76%
$500-$1,347
Discover Bank3 Year IRA (Traditional, Roth)133 Reviews
1.76%
$2,500-$1,343
Apple FCU36 Month IRA (Traditional, Roth, CESA)22 Reviews
1.75%
$500-$1,339
State Department FCU36 Month IRA Certificate (Traditional, Roth)6 Reviews
1.75%
$500-$1,339
Bellco Credit Union36 Months IRA (Traditional, Roth, CESA)11 Reviews
1.75%
$500-$1,339
Ally BankIRA High Yield 3-Year CD (Traditional, Roth, SEP)572 Reviews
1.75%*
$25k-$1,336
Northpointe Bank36 - 47 Month Fixed IRA19 Reviews
1.75%
$500-$1,324
Alliant Credit Union36 - 47 Month Jumbo CESA40 Reviews
1.75%
$25k-$1,324
United States Senate FCU36-48 Month IRA (Traditional, Roth, SEP)4 Reviews
1.73%*
$20k$100k$1,309
Northwest FCU3 Year IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
1.71%*
$1k-$1,305
Northrop Grumman FCU3 Year Term IRA (Traditional, Roth, CESA)3 Reviews
1.71%
$2k-$1,305

Displaying 1-40 of 150 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.