IRA Rates 3-Years

Compare IRA rates from financial institutions throughout the United States. When selecting an IRA CD it’s it is useful to know which banks and credit unions offer the highest rates. We have compiled a list of thousands of IRA CD rates to help you sort through the countless choices.

If you want to see the highest APY for other account types, see our other comparison charts here.

Bank IRA Months Rates Min $ Max $
Hughes FCU
36 Month IRA (Traditional, Roth, SEP)
1.21%$1k-
Lafayette FCU
3 Year Fixed IRA (Traditional, Roth, CESA)
1.01%$500-
Evansville Teachers FCU
3 Year IRA (Traditional, Roth, CESA)
1.00%$1k-
American Heritage FCU
36 Month IRA Certificate (Traditional, Roth, CESA)
1.00%$1k-
Quorum FCU
30 Month IRA Term Savings - New Money (Traditional, Roth)
1.00%$1k-
Interior FCU
36 Month IRA Certificate (Traditional, Roth, CESA)
0.96%$500-
PenFed Credit Union
3 Year IRA (Traditional, Roth, SEP)
0.95%$1k-
Affinity Plus FCU
36 Month IRA (Traditional, Roth)
0.90%$500-
AgFed Credit Union
36 Month IRA Certificate (Traditional, Roth, CESA)
0.90%$250-
First National Bank of America
36-47 Month IRA CD (Traditional, Roth)
0.90%$1k-
Veridian Credit Union
30 Month Bump-Up IRA (Traditional, Roth, CESA)
0.90%$1k-
Ideal Credit Union
36 Month IRA (Traditional, Roth)
0.85%*$500-
Communitywide FCU
36 Month IRA (Traditional, Roth)
0.85%$1k-
Genisys Credit Union
30 Month IRA Certificate Special (Traditional, Roth, CESA)
0.85%$500-
Connexus Credit Union
36 Month IRA Certificate (Traditional, Roth)
0.81%$5k-
Kinecta FCU
3 Year IRA (Traditional, Roth)
0.80%*$1k-
NASA FCU
36 Month IRA Certificate (Traditional, Roth)
0.80%$1k-
State Department FCU
36 Month IRA Certificate (Traditional, Roth)
0.80%$500-
Michigan State University FCU
3 Year IRA (Traditional, Roth, CESA, SEP)
0.80%$500-
Wings Financial Credit Union
3 Year IRA (Traditional, Roth, CESA)
0.75%*$500-
UNIFY Financial Credit Union
36 Month Fixed IRA (Traditional, Roth, CESA)
0.75%*$1k-
Zeal Credit Union
36 Month IRA (Traditional, Roth, CESA, SEP)
0.75%*$500-
Hiway Credit Union
36 ? 47 Month IRA (Traditional, Roth, CESA)
0.75%*$500-
Discover Bank
3 Year IRA (Traditional, Roth)
0.75%$2.5k-
Financial Resources FCU
36 Month IRA (Traditional, Roth, CESA)
0.75%$500-
Pen Air FCU
36 Month IRA (Traditional, Roth, CESA, SEP)
0.75%$500-
Sun East FCU
36 Month IRA (Traditional, Roth)
0.75%$500-
Bellco Credit Union
36 Month IRA (Traditional, Roth, CESA)
0.75%$500-
Synchrony Bank
36 Month IRA CD (Traditional, Roth)
0.75%$2k-
Wheelhouse Credit Union
36 Month IRA Certificate (Traditional, Roth)
0.75%$500-
Salem Five
36 Month IRA Special (Traditional, Roth, CESA, SEP)
0.75%$2k-
Technology Credit Union
36 - 47 Month IRA (Traditional, Roth)
0.75%$1k-
Northrop Grumman FCU
3 Year Term IRA (Traditional, Roth, CESA)
0.72%$2k-
5Star Bank
36 Month Variable IRA (Traditional, Roth)
0.71%$250-
AFFCU
3 Year IRA Share Certificate (Traditional, Roth)
0.70%*$1k-
Signature FCU
3 Year IRA Certificate (Traditional, Roth, CESA)
0.70%*$500-
Service Credit Union
36 Month IRA Certificate (Traditional, Roth)
0.70%$500-
Fort Bragg FCU
36 Month IRA Term Share Certificate (Traditional, Roth, CESA)
0.70%$500-
Financial Partners Credit Union
36 to 47 Month IRA (Traditional, Roth)
0.70%$1k-
Hanscom FCU
30 Month IRA (Traditional, Roth)
0.70%$500-
TIAA Bank
3 Year IRA (Traditional, Roth)
0.70%$1k-
Langley FCU
36 Month IRA (Traditional, Roth)
0.70%$500-
MTC FCU
36 Month IRA (Traditional, Roth, CESA)
0.70%$250-
SRP FCU
36 Month IRA (Traditional, Roth, CESA)
0.70%$500-
NuVision FCU
3 Year IRA (Traditional, Roth, CESA)
0.65%*$1k-
California Coast Credit Union
36 Month IRA (Traditional, Roth, CESA, SEP)
0.65%*$1k-
Susquehanna Community Bank
3 Year IRA (Traditional, Roth, CESA)
0.65%$500$100k
Ally Bank
3 Year IRA High Yield CD (Traditional, Roth, SEP)
0.65%--
First Technology FCU
36 Month IRA (Traditional, Roth, CESA)
0.65%$500-
Matadors Community Credit Union
36 Month IRA (Traditional, Roth)
0.65%$1k-
Pennsylvania State Employees Credit Union
36 Month IRA (Traditional, Roth, CESA)
0.65%$500-
Prime Alliance Bank
36 Month IRA
0.65%$500-
Lake Michigan Credit Union
36 Month IRA CD (Traditional, Roth, CESA, SEP)
0.65%$500-
TAB Bank
36 Month IRA CD (Traditional, Roth, CESA)
0.65%$1k-
Alliant Credit Union
36-47 Month IRA (Traditional, Roth, SEP)
0.65%$1k$25k
Chartway FCU
36-47 Month IRA (Traditional, Roth)
0.65%--
Chevron FCU
36 Month IRA (Traditional, Roth)
0.60%*$500-
Corporate America Family Credit Union
36 Month IRA (Traditional, Roth, CESA)
0.60%*$1k-
Spectrum Credit Union
36 Month IRA (Traditional, Roth)
0.60%*$500-
America's Credit Union
33 Month IRA (Traditional, Roth, CESA)
0.60%*$1k-
Consumers Credit Union (IL)
3 Year IRA (Traditional, Roth, CESA, SEP)
0.60%$250$100k
Velocity Credit Union
3 Year IRA Certificate (Traditional, Roth, SEP)
0.60%$1k-
Home Savings Bank
36 Month Internet Only IRA (Traditional, Roth)
0.60%$5k$250k
One American Bank
36 Month IRA (Traditional, Roth)
0.60%$500-
Pawtucket Credit Union
36 Month IRA (Traditional, Roth, CESA)
0.60%$500-
Teachers FCU
36 Month IRA (Traditional, Roth)
0.60%$1k-
Xcel FCU
36 Month IRA (Traditional, Roth)
0.60%$500-
Greenwood Credit Union
36 Month IRA Certificate (Traditional, Roth, CESA, SEP)
0.60%$1k-
Achieva Credit Union
36 Month IRA/457B (Traditional, Roth, CESA)
0.60%$500-
Parda FCU
3 Year IRA (Traditional, Roth)
0.60%$500-
Blue FCU
36 Month IRA (Traditional, Roth)
0.55%*$1k-
SunWest
36 Month IRA Certificate
0.55%*$500-
Allegacy FCU
3 Year IRA (Traditional, Roth, CESA)
0.55%*--
MutualOne Bank
36 Month IRA (Traditional, Roth)
0.55%$500-
RTN FCU
36 Month IRA (Traditional, Roth, SEP)
0.55%$1k-
Self-Help Credit Union
36 Month IRA (Traditional, Roth)
0.55%$500-
Self-Help FCU
36 Month IRA (Traditional, Roth)
0.55%$500-
Garden Savings FCU
3 Year IRA Share Certificate (Traditional, Roth, CESA)
0.55%$500-
Western Vista FCU
36 Month IRA CD (Traditional, Roth)
0.54%$500$10k
Workers Credit Union
36 Month IRA (Traditional, Roth)
0.50%*$1k-
Capital Educators FCU
36 Month IRA Certificate
0.50%*$500-
Grow Financial FCU
36 - 47 Month IRA Certificate (Traditional, Roth)
0.50%*$500-
Hyperion Bank
36 Month IRA (Traditional, Roth)
0.50%$500-
Marine FCU
36 Month IRA (Traditional, Roth, CESA, SEP)
0.50%$500-
Ponce Bank
36 Month IRA (Traditional, Roth, CESA)
0.50%$1k-
Premier Members Credit Union
36 Month IRA (Traditional, Roth)
0.50%$500$100k
Elements Financial
3 Year IRA (Traditional, Roth, CESA)
0.50%$1k-
Patelco Credit Union
36 - 47 Month IRA (Traditional, Roth, CESA)
0.50%$250-
Ohio University Credit Union
36-47 Month IRA Certificate (Traditional, Roth, CESA)
0.50%$500-
People's Trust FCU
36 Month IRA (Traditional, Roth, CESA, SEP)
0.48%*$1k-
Orion FCU
36 Month IRA (Traditional, CESA, Roth)
0.48%$500-
Premier America Credit Union
36 Month IRA (Traditional, Roth)
0.45%*$1k-
American Bank
36 Month IRA (Traditional, Roth, CESA)
0.45%$250-
IncredibleBank
36 Month IRA (Traditional, Roth)
0.45%$1k-
Mountain America Credit Union
36 Month IRA (Traditional, Roth)
0.45%$500-
People's Credit Union
36 Month IRA (Traditional, Roth, CESA)
0.45%$500-
Bay State Savings Bank
36 Month IRA (Traditional, Roth, CESA, SEP)
0.45%$500-
Affinity FCU
36 Month IRA Certificate (Traditional, Roth, CESA)
0.45%$500-
Transportation FCU
3 Year IRA (Traditional, Roth, CESA)
0.45%$1k-
First Flight FCU
36 Month IRA Certificate
0.40%*$500-

IRA Rates

An IRA, or Individual Retirement Account, is an investment vehicle with tax rules and maximum contribution limits set by the Internal Revenue Service. The two main types of IRAs are a Roth IRA and a Traditional IRA, which have differing tax liabilities and benefits. Roth IRA rules essentially allow you to withdraw contributions and grow earnings tax-free, whereas Traditional IRA rules allow you to write contributions off to reduce your taxable income. IRA rates vary based on the underlying investments, which in the case of an IRA CD is a certificate of deposit.

SEP & Simple

Financial institutions usually offer a SEP IRA and a Simple IRA, as well, to provide retirement benefits geared towards small businesses. If you are switching employers or looking to accomplish a 401k rollover, both could be good options for you. All IRA CDs by law have early withdrawal penalties for removing funds before the date of maturity.

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