If you're looking for a regular CD that isn't geared toward retirement, check out our best CD rates guide instead. An IRA CD is a type of retirement account that invests your money in a CD.

To see how 3-month CDs compare to CDs with other term lengths, check out our overall best CD rates. The national average bank interest rate for 3-month CDs is 1.47% APY, but all of our top picks ...

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