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NEW 2024 Roth IRA Income Rules \u0026 Limits You Need to KnowAll interest rates and Annual Percentage Yield (APY) stated above are accurate as of today's date. All CDs and IRAs are compounded daily on a day basis. Rates start out at % for a 3-month IRA CD and go up to % for month IRA CDs. Another major bonus is that Discover is one of the only. Rate Information ; 12 months, %, % ; 24 months, %, % ; 36 months, %, % ; 48 months, %, %.