CD Rates 3-Years

Competition among banks and credit unions for certificate of deposit (CDs) accounts is fierce, giving us a variety of choices. Financial institutions are battling it out for deposits, so they offer a variety of CD maturities at very competitive yields. We have compiled the best 3-year rates here for you to check out.

Bank CD Months Rates Min $ Max $
Hughes FCU
36 Month CD
1.11%$1k-
Lafayette FCU
3 Year Fixed CD
1.01%$500-
Quontic Bank
3 Year CD
1.00%$500-
PenFed Credit Union
3 Year Money Market Certificate
1.00%$1k-
Quorum FCU
30 Month Term Savings CD - New Money
1.00%$1k-
Interior FCU
36 Month Share Certificate
0.96%$500-
Hiway Credit Union
36 ? 47 Month CD
0.95%*$25k-
Evansville Teachers FCU
3 Year CD
0.95%$1k-
Abound Credit Union
36 Month CD
0.95%$500-
Ideal Credit Union
36 Month CD
0.90%*$25k-
The Federal Savings Bank
3 Year CD - New Money
0.90%$500-
Puerto Rico FCU
3 Year Share Certificate
0.90%$1k-
Affinity Plus FCU
36 Month CD
0.90%$500-
First National Bank of America
36-47 Month CD
0.90%$1k-
Veridian Credit Union
30 Month Bump-Up CD
0.90%$1k-
Alabama Credit Union
36 Month CD
0.86%$500-
AgFed Credit Union
36 Month Certificate
0.85%$250-
MapleMark Bank
36 Month Ladder CD
0.85%$25k-
Communitywide FCU
36 Month Share Certificate
0.85%$1k-
USALLIANCE Financial
35 Month Certificate Special
0.85%$500-
First Technology FCU
36 Month Bump Up CD
0.85%$500-
CFG Bank
36 Month CD
0.85%$500-
Connexus Credit Union
36 Month Certificate
0.81%$5k-
Kinecta FCU
3 Year CD
0.80%*$1k-
Wings Financial Credit Union
3 Year Certificate
0.80%*$10k-
Zeal Credit Union
36 Month CD
0.80%*$25k-
First Internet Bank
36 Month CD
0.80%$1k-
Xceed Financial FCU
36 Month CD
0.80%$500-
State Department FCU
36 Month Certificate
0.80%$500-
Fort Bragg FCU
36 Month Jumbo Step Up Term Share Certificate
0.80%$25k-
American Heritage FCU
36 Month Share Certificate
0.80%$1k-
Comenity Direct
3-Year CD
0.80%$1.5k$10m
State Bank of India
3 Year Senior Citizen CD
0.80%$25k-
State Bank of India (IL)
Senior Citizens 36 Month CD
0.80%$2.5k-
Northrop Grumman FCU
36 Month Term CD
0.78%$2.5k-
California Coast Credit Union
36 Month CD
0.75%*$10k-
UNIFY Financial Credit Union
36 Month Share Certificate
0.75%*$1k-
INSBANK Online
3 Year CD
0.75%$2.5k-
Ivy Bank
3 Year CD
0.75%$1k-
Genisys Credit Union
3 Year Share Certificate
0.75%$500-
NexBank
36 Month CD
0.75%$10k$240k
Synchrony Bank
36 Month CD
0.75%$2k-
Wheelhouse Credit Union
36 Month Certificate
0.75%$500-
MTC FCU
36 Month Share Plus CD
0.75%$10k-
Dow Chemical Employees' Credit Union
36 Month Simple CD
0.75%$500-
Salem Five
36 Month CD Special
0.75%$10k-
Salem Five Direct
36 Month eCD Special
0.75%$10k$500k
Technology Credit Union
36 - 47 Month Flextime CD
0.75%$1k-
NuVision FCU
3 Year CD
0.70%*$25k-
Signature FCU
3 Year Share Certificate
0.70%*$500-
Limelight Bank
36 Month CD
0.70%$1k-
Pen Air FCU
36 Month CD
0.70%$500-
Sallie Mae Bank
36 Month CD
0.70%$2.5k-
SRP FCU
36 Month CD
0.70%$500-
United Educators Credit Union
36 Month FlexRate CD
0.70%$500-
iGObanking
36 Month iGOCD
0.70%$1k-
Service Credit Union
36 Month Share Certificate
0.70%$500-
Hanscom FCU
30 to 59 Month CD
0.70%$1k-
Financial Partners Credit Union
36 to 47 Month CD
0.70%$1k-
Live Oak Bank
3 Year CD
0.70%$2.5k$250k
TIAA Bank
3 Year CD
0.70%$1k-
Premier America Credit Union
36 Month CD
0.65%*$25k-
Corporate America Family Credit Union
36 Month CD
0.65%*$10k-
Pennsylvania State Employees Credit Union
36 Month CD
0.65%$500-
Prime Alliance Bank
36 Month CD
0.65%$500-
TAB Bank
36 Month CD
0.65%$1k-
United Texas Bank
36 Month CD
0.65%$1k-
My eBanc
36 Month Online Time Deposit
0.65%$5k-
NASA FCU
36 Month Share Certificate
0.65%$1k-
Marcus by Goldman Sachs
High-yield 3 Year CD
0.65%$500$1m
Parda FCU
3 Years Senior Plus CD
0.65%$500-
Michigan State University FCU
3 Year CD
0.65%$500-
Chartway FCU
36-47 Month Share Certificate
0.65%--
Susquehanna Community Bank
3 Year CD
0.65%$500$100k
Ally Bank
3 Year High Yield CD
0.65%--
Colorado Federal Savings Bank
36 Month CD
0.65%$5k-
Lake Michigan Credit Union
36 Month CD
0.65%$500-
Matadors Community Credit Union
36 Month CD
0.65%$1k-
M.Y. Safra Bank
36 Month MYSB Direct Online CD
0.61%$1k-
Spectrum Credit Union
36 Month CD
0.60%*$500-
Achieva Credit Union
36 Month CD
0.60%*$500-
Capital Educators FCU
36 Month Rate Bump Share Certificate
0.60%*$10k-
AFFCU
3 Year Share Certificate
0.60%*$1k-
Chevron FCU
36 Month CD
0.60%*$500-
Oklahoma Central Credit Union
36 Month CD
0.60%$1k-
One American Bank
36 Month CD
0.60%$500-
Pawtucket Credit Union
36 Month CD
0.60%$1k-
Sun East FCU
36 Month CD
0.60%$500-
Teachers FCU
36 Month CD
0.60%$1k-
Xcel FCU
36 Month CD
0.60%$500-
Paramount Bank (MO)
37 Month CD Special
0.60%$1k-
Consumers Credit Union (IL)
3 Year CD
0.60%$250$100k
Pacific National Bank
3 Year CD Special - New Money
0.60%$1k-
Discover Bank
3 Year CD
0.60%$2.5k-
America's Credit Union
36 Month Flex Promotional Share Certificate
0.60%$500-
Alliant Credit Union
36-47 Month Jumbo Share CD
0.60%$25k-
Capital One
36 Month 360 CD
0.60%--
Greenwood Credit Union
36 Month CD
0.60%$1k-
Home Savings Bank
36 Month CD
0.60%$5k-
Hyperion Bank
36 Month CD
0.60%$500-

Tips on choosing the right CD

First, decide on what CD term you need. If have the cash and don’t mind having it locked up for a few years, consider a 5-year CD. They tend to have the highest rates. If you don’t want your money to be out of sight for that long, consider a 3- or 4-year CD instead.

Once you determine which CD term suits your need, it is easy to just pick the account with the highest rate. But you need to check a CD’s minimum deposit before deciding. CD minimum deposits vary, with certain online banks not requiring any amount, while other institutions require $25,000 or even as much as $100,000. Some may require a low opening deposit in but in turn require an even higher balance to earn their highest rate.

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