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.

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

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-
American Heritage FCU
36 Month Share 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-
Ideal Credit Union
36 Month CD
0.90%*$25k-
Puerto Rico FCU
3 Year Share Certificate
0.90%$1k-
Abound Credit Union
36 Month CD
0.90%$500-
Affinity Plus FCU
36 Month CD
0.90%$500-
Latino Credit Union
36 Month CD
0.90%$500-
AgFed Credit Union
36 Month Certificate
0.90%$250-
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-
First Technology FCU
36 Month Bump Up CD
0.85%$500-
CFG Bank
36 Month CD
0.85%$500-
MapleMark Bank
36 Month Ladder CD
0.85%$25k-
Communitywide FCU
36 Month Share Certificate
0.85%$1k-
MTC FCU
36 Month Share Plus CD
0.85%$10k-
USALLIANCE Financial
35 Month Certificate Special
0.85%$500-
Genisys Credit Union
30 Month Share Certificate Special
0.85%$500-
Colorado Federal Savings Bank
36 Month CD
0.82%$5k-
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-
Sallie Mae Bank
36 Month CD
0.80%$2.5k-
State Department FCU
36 Month Certificate
0.80%$500-
Fort Bragg FCU
36 Month Jumbo Step Up Term Share Certificate
0.80%$25k-
NASA 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-
Michigan State University FCU
3 Year CD
0.80%$500-
UNIFY Financial Credit Union
36 Month Share Certificate
0.75%*$1k-
California Coast Credit Union
36 Month CD
0.75%*$10k-
NexBank
36 Month CD
0.75%$10k$240k
Oklahoma Central Credit Union
36 Month CD
0.75%$1k-
Pen Air FCU
36 Month CD
0.75%$500-
Sun East FCU
36 Month CD
0.75%$500-
Synchrony Bank
36 Month CD
0.75%$2k-
Wheelhouse Credit Union
36 Month Certificate
0.75%$500-
Discover Bank
3 Year CD
0.75%$2.5k-
INSBANK Online
3 Year CD
0.75%$2.5k-
Ivy Bank
3 Year CD
0.75%$1k-
Dow Chemical Employees' Credit Union
36 Month Simple CD
0.75%$500-
Marcus by Goldman Sachs
High-yield 3 Year CD
0.75%$500$1m
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-
Capital One
36 Month 360 CD
0.75%--
Northrop Grumman FCU
36 Month Term CD
0.72%$2.5k-
M.Y. Safra Bank
36 Month MYSB Direct Online CD
0.71%$1k-
NuVision FCU
3 Year CD
0.70%*$25k-
AFFCU
3 Year Share Certificate
0.70%*$1k-
Signature FCU
3 Year Share Certificate
0.70%*$500-
Limelight Bank
36 Month CD
0.70%$1k-
SRP FCU
36 Month CD
0.70%$500-
iGObanking
36 Month iGOCD
0.70%$1k-
Barclays
36 Month Online CD
0.70%--
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-
Corporate America Family Credit Union
36 Month CD
0.65%*$10k-
Premier America Credit Union
36 Month CD
0.65%*$25k-
TAB Bank
36 Month CD
0.65%$1k-
My eBanc
36 Month Online Time Deposit
0.65%$5k-
Parda FCU
3 Years Senior Plus CD
0.65%$500-
Alliant Credit Union
36-47 Month Jumbo Share CD
0.65%$25k-
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%--
Bellco Credit Union
36 Month CD
0.65%$500-
Lake Michigan Credit Union
36 Month CD
0.65%$500-
Matadors Community Credit Union
36 Month CD
0.65%$1k-
Pennsylvania State Employees Credit Union
36 Month CD
0.65%$500-
Prime Alliance Bank
36 Month CD
0.65%$500-
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-
Chevron FCU
36 Month CD
0.60%*$500-
One American Bank
36 Month CD
0.60%$500-
Pawtucket Credit Union
36 Month CD
0.60%$1k-
Teachers FCU
36 Month CD
0.60%$1k-
United Texas Bank
36 Month CD
0.60%$1k-
Xcel FCU
36 Month CD
0.60%$500-
Pacific National Bank
3 Year CD Special - New Money
0.60%$1k-
Paramount Bank (MO)
37 Month CD Special
0.60%$1k-
America's Credit Union
36 Month Flex Promotional Share Certificate
0.60%$500-
Consumers Credit Union (IL)
3 Year CD
0.60%$250$100k
Greenwood Credit Union
36 Month CD
0.60%$1k-
Home Savings Bank
36 Month CD
0.60%$5k-
SunWest
36 Month CD
0.55%*$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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