3 Year CD Rates
Compare rates on 3 year CDs from banks and credit unions. Use the filter box below to customize your results. You can sort by each column below or select another product to compare rates.
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| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Connexus Credit Union | 1.75% | $10k | - | $534 | 36 Month Certificate With Active Checking | |
| Salem Five Direct | 1.50% | $10k | - | $458 | 36 Month eCD Special | |
| Salem Five | 1.50% | $10k | - | $458 | 36 Month eCD Special | |
| Andrews Federal Credit Union | 1.41% | $1k | - | $430 | 36 Month Share Certificate | |
| Melrose Credit Union | 1.36% | $5k | - | $414 | 3 Year Share Certificate | |
| HEW Credit Union | 1.26% | $2k | - | $384 | 36 Month Silver Share Certificate | |
| Digital Credit Union | 1.25% | $500 | - | $381 | 36 - 47 Month Certificate - Relationship Rate | |
| Alliant Credit Union | 1.25% | $1k | - | $381 | 36 - 47 Month Share CD | |
| AloStar Bank of Commerce | 1.25% | $1k | - | $380 | 36 Month CD | |
| Logix Federal Credit Union | 1.25% | $1k | - | $381 | 36 Month CD w/ Platinum Relationship Rewards | |
| Barclays | 1.25% | - | - | $381 | 36 Month Online CD | |
| Doral Direct | 1.21% | $500 | - | $368 | 36 Month CD | |
| CIT Bank | 1.21% | $1k | - | $367 | 3 Year CD | |
| Nationwide Bank | 1.21%* | $500 | - | $368 | 36 Month CD | |
| State Bank of India | 1.20%† | $5k | - | $364 | 3 Year CD | |
| Intervest National Bank | 1.20% | $2,500 | - | $364 | 3 Year CD | |
| Sallie Mae Bank | 1.20% | $2,500 | - | $365 | 36-Month CD | |
| Colorado Federal Savings Bank | 1.20% | $5k | - | $364 | 3 Year CD | |
| Justice Federal Credit Union | 1.20%* | $500 | - | $365 | 36 Month Share Certificate w/ JNA Relationship | |
| Quantum National Bank | 1.20% | $1k | - | $365 | 36 Month Relationship CD | |
| Ally Bank | 1.19% | - | - | $361 | High Yield 3 Year CD | |
| First Savings Bank Northwest | 1.17%* | $5k | - | $356 | 36 Month CD | |
| John Marshall Bank | 1.16% | $500 | - | $352 | 3 Year CD | |
| Discover Bank | 1.15% | $2,500 | - | $349 | 3 Year CD | |
| Start SavingSponsored Note: US based customer service. Accumulate interest in CD or transfer to another account. | ||||||
| State Department Federal Credit Union | 1.15% | $500 | - | $350 | 36 Month Certificate | |
| Martinsville First Savings Bank | 1.15% | $500 | - | $349 | 3 Year CD | |
| EverBank | 1.14% | $1,500 | - | $346 | 3 Year Yield Pledge CD | |
| Northwest Federal Credit Union | 1.14%* | $2,500 | - | $346 | 3 Year Share Certificate | |
| Dupont Community Credit Union | 1.11% | $500 | - | $337 | 3 Year CD | |
| The National Republic Bank of Chicago | 1.11% | $1k | $100k | $337 | 3 Year CD | |
| Millennium Bank, National Association | 1.11% | $1k | - | $337 | 3 Year CD | |
| Sandia Laboratory Credit Union | 1.11%* | $1k | - | $338 | 36 Month CD | |
| New Horizon Bank, National Association | 1.11% | $500 | - | $338 | 36 Month CD | |
| Belvoir Federal Credit Union | 1.11% | $1k | - | $338 | 36 Month Share Certificate | |
| First Internet Bank of IN | 1.10% | $1k | - | $335 | 36 Month CD | |
| OneWest Bank | 1.10% | $1k | - | $334 | 3 Year Online CD | |
| Virginia Heritage Bank | 1.10% | $500 | - | $335 | 36 Month CD | |
| Member One Credit Union | 1.10% | $1k | - | $335 | 36-Month CD | |
| Ameriprise Bank FSB | 1.10%* | $1k | - | $335 | 36 Month Ameriprise® Flexible Savings Certificate | |
| Urban Trust Bank | 1.10% | $500 | - | $325 | 35 Month CD Special | |
| Fort Knox Federal Credit Union | 1.05% | $500 | - | $319 | 36 Month CD | |
| OneUnited Bank | 1.05% | $1k | - | $318 | UNITY 3 Year CD | |
| Hudson City Savings Bank | 1.05%† | $500 | - | $318 | 3 Year CD | |
| Pendleton Community Bank | 1.05% | $500 | - | $319 | 36 Month CD | |
| First Virginia Community Bank | 1.05% | $1k | - | $318 | 36 Month CD | |
| Nma Credit Union | 1.05% | $10k | - | $319 | 36 Month Share Certificate | |
| Air Force Federal Credit Union | 1.05%* | $1k | - | $318 | 3 Year CD | |
| Northrop Grumman Federal Credit Union | 1.03% | $2,500 | - | $313 | 36 Month Term CD | |
| Goldwater Bank | 1.02% | $5k | - | $309 | 3 Year CD - AZ Only | |
| Self-Help Credit Union | 1.01% | $500 | - | $307 | 36 Month Standard CD | |
| E-LOAN.com | 1.00% | $10k | - | $303 | 3 Year CD | |
| Geauga Savings Bank | 1.00% | $1k | - | $253 | 30 Month CD | |
| Giantbank.com | 1.00% | $2,500 | - | $304 | 36 Month Giant Personal CD | |
| Marine Federal Credit Union | 1.00% | $1k | - | $304 | 36 Month Term Share Certificate | |
| Northern Star Credit Union | 1.00% | $1k | - | $304 | 36 Month Share Certificate | |
| The Business Bank | 1.00% | - | $100k | $304 | 36 Month CD | |
| Pen Air Credit Union | 1.00% | $500 | - | $304 | 36 Month Step-Up CD | |
| Fulton Bank, National Association | 1.00%† | $500 | - | $304 | 36 Month Relationship CD | |
| Mcgraw Hill Credit Union | 1.00% | $10k | - | $304 | 36 Month CD | |
| Argent Credit Union | 1.00% | $500 | - | $304 | 36 Month Certificate | |
| NSWC Credit Union | 1.00% | $500 | - | $303 | 3-Year Business Share Certificate | |
| Xceed Financial Credit Union | 1.00% | $500 | - | $304 | 36 Month CD | |
| The Richmond Postal Credit Union In | 1.00% | $500 | - | $304 | 36 Month CD | |
| WashingtonFirst Bank | 1.00% | $1k | - | $304 | 36 Month CD | |
| Vantage Point Credit Union | 1.00% | $1k | - | $253 | 30 Month CD | |
| Bayport Credit Union | 1.00% | $2,500 | - | $329 | 39 Months Premier Share Certificate Special | |
| ableBanking | 1.00% | $1k | $240k | $303 | 3 Year CD | |
| Virginia Commerce Bank | 1.00% | $500 | - | $303 | 36 Month Step-Up CD | |
| Lake Michigan Credit Union | 1.00% | $500 | - | $253 | 30 Month VIP CD Special | |
| Partners Financial Credit Union | 0.95% | $10k | - | $288 | 3 Year Share Certificate | |
| Bank of Georgetown | 0.95% | $1k | - | $288 | 3 Year CD | |
| Appalachian Community Credit Union | 0.95% | $1k | - | $289 | 36 Month Term Share Certificate | |
| Bank of the James | 0.95% | $500 | - | $289 | 36 Month CD | |
| Commonwealth One Credit Union | 0.95% | $1k | - | $289 | 36 Month Share Certificate | |
| The Bank of Fincastle | 0.95% | $100 | - | $288 | 3 Year CD | |
| United Southeast Credit Union | 0.95% | $500 | - | $289 | 36 Month CD | |
| North American Savings Bank | 0.95% | $10k | - | $289 | 36 - 47 Month CD with Checking | |
| Pentagon Federal Credit Union | 0.94% | $1k | - | $285 | 3 Year Money Market Cerificate | |
| USAA Bank | 0.91% | $1k | $95k | $275 | 3 Year CD - Standard | |
| First Trade Union Bank | 0.90% | $500 | - | $272 | 3 Year CD | |
| National Bank of Kansas City | 0.90% | - | - | $273 | 36 - 47 Month CD | |
| NexBank | 0.90% | $10k | - | $273 | 36 Month CD | |
| New Generations Federal Credit Union | 0.90% | $1k | - | $272 | 3 Year Share Certificate | |
| Capital Educators Federal Credit Union | 0.90%* | $10k | - | $273 | 36 - 47 Month Share Certificate | |
| Cardinal Bank | 0.90% | $1k | - | $281 | 37 Month CD | |
| Jacksonville Bank | 0.90% | $1k | - | $273 | 36 - 59 Month CD | |
| Stillwater National Bank | 0.90%† | $10k | - | $273 | 36 Month CD | |
| Truliant Credit Union | 0.90%* | $5k | - | $273 | 36 Month Certificate | |
| Astera Credit Union | 0.90% | $500 | - | $272 | 3 Year CD | |
| Call Credit Union | 0.90% | $1k | - | $273 | 36 Month Share Certificate | |
| Franklin Federal Savings Bank | 0.90% | $500 | - | $272 | 3 Year CD | |
| Salem Va Medical Center Credit Union | 0.90% | $1k | - | $273 | 36 Month CD | |
| Bank of Internet USA | 0.90% | $1k | - | $273 | 36 Month CD | |
| United Central Bank | 0.90% | $1k | - | $273 | 36 Month CD | |
| NARFE Premier Federal Credit Union | 0.85% | $1k | - | $257 | 3 Year Step Up CD | |
| Easthampton Savings Bank | 0.85% | $1k | - | $258 | 36 Month CD | |
| First and Citizens Bank | 0.85% | $500 | - | $258 | 36 Month CD | |
| Partners 1St Credit Union | 0.85%* | $10k | - | $258 | 36 Month CD | |
| Virginia Community Bank | 0.85% | - | - | $258 | 36 Month CD | |
| The Blue Grass Valley Bank | 0.85% | $500 | - | $258 | 36 Month CD | |
| First Technology Federal Credit Union | 0.85% | $500 | - | $258 | 36 Month CD | |
| Central Virginia Bank | 0.85% | $500 | - | $258 | 36 Month CD | |
| Patriot Bank | 0.80% | $1k | - | $243 | 36 Month CD | |
| West Texas National Bank | 0.80% | $1k | - | $242 | 3 Year CD | |
| Simplicity Bank | 0.80% | $1k | - | $242 | 3 Year to Less than 5 Year CD | |
| Affinity Credit Union | 0.80% | $500 | - | $202 | 30 Month Certificate w/ Bump Up | |
| Bank of Botetourt | 0.80% | $500 | - | $242 | 3 Year Business CD | |
| Arlington Community Credit Union | 0.80% | $500 | - | $243 | 36 Month Platinum Share Certificate | |
| Credit Union Of New Jersey | 0.80%* | $500 | - | $242 | 3 Year Share Certificate | |
| Martinsville Dupont Emp Credit Union | 0.80% | $2,500 | - | $242 | 3 Year CD | |
| Fairfax County Credit Union | 0.80% | $2,500 | - | $243 | 36 Month Share Certificate | |
| Burke & Herbert Bank & Trust Company | 0.80% | $10k | - | $243 | 36 Month CD w/ checking | |
| Communitywide Credit Union | 0.80% | $2k | - | $242 | 36 Month Share Certificate | |
| Peoples Advantage Credit Union | 0.80% | $1k | - | $243 | 36 Month CD | |
| Virginia Partners Bank | 0.80% | $1k | - | $243 | 36 Month CD | |
| Clear Sky Accounts | 0.80% | $5k | - | $249 | 37 Month Clear Sky CD | |
| Green Bank, National Association | 0.80% | $1k | $250k | $242 | 3 Year GO! CD | |
| Benchmark Community Bank | 0.80% | $10k | - | $243 | 36 Month Keystone CD Special (non-renewable) | |
| First National Bank of Altavista | 0.80% | $500 | - | $249 | 37 Month CD | |
| Apple Federal Credit Union | 0.80% | $500 | - | $243 | 36 Month Share Certificate | |
| ViewPoint Bank, National Association | 0.80% | $1k | - | $243 | 36 Month Regular CD | |
| BankUnited | 0.80% | $5k | - | $243 | 36 Month CD Special | |
| Chesapeake Bank | 0.80% | $1k | - | $249 | 37 Month CD | |
| Entrust Federal Credit Union | 0.75% | $500 | - | $227 | 36 Month Certificate | |
| Farmers & Merchants Bank | 0.75% | $1k | - | $227 | 36 Month CD | |
| Webster Bank | 0.75% | $1k | - | $227 | 3 Year CD | |
| South Division Credit Union | 0.75% | $1k | - | $227 | 3 Year CD | |
| Chartway Federal Credit Union | 0.75% | $10k | - | $227 | 36 Month CD | |
| US Bank N.A. | 0.75%† | $1k | $250k | $234 | 37 Month CD Special | |
| First National Bank (LA) | 0.75% | - | - | $227 | 36 Month CD | |
| New Peoples Bank, Inc. | 0.75% | $500 | - | $227 | 36 Month Certificate | |
| EagleBank | 0.75% | $1k | - | $227 | 36-47 Month CD | |
| Highlands Union Bank | 0.75% | $500 | - | $227 | 36 Month CD | |
| University Of Va Community Credit Union | 0.75% | $5k | - | $234 | 37 Month CD | |
| Virginia Credit Union, Inc., | 0.75%* | $500 | - | $227 | 36 Month CD | |
| Airbanking | 0.75% | $500 | - | $227 | 3 Year CD | |
| MainStreet Bank | 0.75% | $500 | - | $227 | 3 Year CD | |
| Money One Federal Credit Union | 0.71%* | $10k | - | $215 | 3 Year Share Savings Certificate | |
| First National Community Bank (PA) | 0.70% | $1k | - | $211 | 3 Year CD | |
| FNBO Direct | 0.70% | $500 | $1m | $212 | 36 Month CD | |
| Patelco Credit Union | 0.70% | $1k | - | $212 | 36 - 47 Month CD | |
| Heritage Bank | 0.70%* | $10k | - | $212 | 36 Month CD | |
| M&T Bank | 0.70%† | - | - | $212 | 36 Month Select Promo CD | |
| Sandy Spring Bank | 0.70% | $1k | - | $212 | 36 - 47 Month Business CD | |
| Citizens Bank (TN) | 0.70% | $1k | - | $212 | 36 Month CD | |
| ABNB Credit Union | 0.70% | $1k | - | $212 | 36 Month Certificate | |
| Armed Forces Bank, National Association | 0.70% | $500 | - | $212 | 36 Month CD | |
| Chain Bridge Bank, National Association | 0.70% | $500 | - | $212 | 36 - 47 Month CD | |
| Third Federal | 0.70%† | $500 | - | $212 | 36 Month CD | |
| Randolph Bank & Trust Company | 0.70% | $5k | - | $212 | 36 Month Online CD | |
| Capital One 360 | 0.70% | - | - | $176 | 30 Month CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $211 | 3 Year CD | |
| Community Bank of Raymore | 0.70% | $500 | - | $211 | 3 Year CD | |
| Pinnacle Federal Credit Union | 0.70% | $500 | - | $212 | 36 Month CD | |
| Citizens State Bank (FL) | 0.69%* | $1k | - | $209 | 36 Month CD | |
| State Farm Bank | 0.67%*† | - | - | $203 | 36 Month CD | |
| Eli Lilly Credit Union | 0.66% | $1k | - | $199 | 3 Year CD | |
| EVB Bank | 0.65% | $1k | - | $197 | 36 Month CD | |
| North Country Savings Bank | 0.65% | $500 | - | $196 | 3 Year CD | |
| Citizens Community Bank (VA) | 0.65% | $500 | - | $197 | 36 Month CD | |
| Freedom First Credit Union | 0.65% | $500 | - | $197 | 36 Month Share Certificate | |
| Baylands Credit Union | 0.65% | $500 | - | $197 | 36 Month Share Certificate | |
| The Bank of Southside Virginia | 0.65% | $1k | - | $196 | 3 Year CD | |
| Roanoke Valley Credit Union | 0.65%* | $10k | - | $197 | 36 Month CD | |
| First Security Bank & Trust | 0.65% | $2,500 | - | $197 | 36 - 47 Month CD | |
| The Capon Valley Bank | 0.65% | $500 | - | $197 | 36 Month CD - Monthly | |
| Bank of Blue Valley | 0.65% | - | - | $197 | 36 - 47 Months CD | |
| Univest Bank and Trust Co. | 0.65% | $500 | - | $196 | 3 Year 3D-CD | |
| 1St Advantage Credit Union | 0.61% | $500 | - | $185 | 36 Month Share Certificate | |
| Newtown Savings Bank | 0.60% | - | - | $181 | 3 Year CD | |
| JustBankIt.com | 0.60% | $1k | - | $151 | 30 Month CD | |
| Beacon Credit Union | 0.60% | $500 | - | $182 | 36 Month Share Certificate | |
| Access National Bank | 0.60% | $10k | - | $181 | 3 Year CD | |
| Farmers Bank (VA) | 0.60% | $1k | - | $182 | 36 Month CD | |
| Central Virginia Credit Union | 0.60% | - | - | $182 | 36 Month Preferred Certificate | |
| Virginia Commonwealth Bank | 0.60% | $500 | - | $182 | 36 Month CD | |
| Zions Bank | 0.60% | $1k | - | $181 | 3 Year Gold CD | |
| SunTrust Bank | 0.60%† | $2k | $1m | $202 | You Choose 40-50 Month CD | |
| American Express Bank, FSB | 0.60% | - | - | $182 | 36 Month CD | |
| Union First Market Bank | 0.60% | $1k | $100k | $181 | 3 Year Seniors CD | |
| The Middleburg Bank | 0.57% | $10k | - | $172 | 3 Year CDARS | |
| KeyBank | 0.55%*† | $10k | $100k | $166 | 36 Month Tiered CD - Relationship | |
| First Sentinel Bank | 0.55% | $500 | - | $166 | 36 Month CD | |
| StellarOne Bank | 0.55% | $500 | - | $166 | EZ 36 - 59 Month CD | |
| 1st Source Bank | 0.55% | $500 | - | $166 | 3 Year CD | |
| Cattaraugus County Bank | 0.54% | $1k | - | $163 | 36 Month CD | |
| NewDominion Bank | 0.50% | $1k | - | $126 | 30 Month Fixed Rate CD | |
| InTouch Credit Union | 0.50% | $1k | $95k | $151 | 36 Month CD | |
| INOVA Federal Credit Union | 0.50% | $200 | - | $151 | 3 Year CD | |
| Bronco Federal Credit Union | 0.50% | $1k | - | $151 | 36 Month Share Certificate | |
| PNC Bank, National Association | 0.50%† | $10k | - | $151 | 36 Month Callable CD Promo | |
| The Adirondack Trust Company | 0.50% | $500 | - | $151 | 3 Year CD | |
| First Bank (VA) | 0.50% | $500 | - | $151 | 36 Month CD | |
| Principal Bank | 0.50% | $5k | - | $151 | 36 Month CD | |
| PortAlliance Credit Union | 0.50% | $1k | - | $151 | 36 Month CD | |
| Ascencia Bank | 0.50% | $500 | $97k | $151 | 3 Year CD | |
| University Federal Credit Union | 0.50% | $1k | - | $151 | 36 Month Regular CD | |
| The National Bank of Blacksburg | 0.46% | $500 | - | $139 | 36 Month CD | |
| Flagstar Bank | 0.45%† | $500 | - | $136 | 36 - 47 Month CD | |
| Consumers Credit Union (IL) | 0.45% | $250 | - | $136 | 3 Year CD | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $136 | 3 Year Certificate | |
| Bank @LANTEC | 0.45% | $500 | - | $136 | 36 Month CD | |
| Front Royal Credit Union | 0.45% | $500 | - | $136 | 3 Year Share Certificate | |
| Pacific Mercantile Bank | 0.40% | $10k | - | $121 | 36 Month Net CD | |
| Blue Ridge Bank | 0.40% | $1k | - | $120 | 36 Months CD | |
| Amegy Bank | 0.40% | $1k | - | $101 | 30 Month Business CD | |
| First Shore Federal Savings and Loan Association | 0.40% | $500 | - | $101 | 30-35 Month CD | |
| Citizens Bank and Trust Company | 0.40% | $500 | - | $121 | 36 Month Convertible CD Special | |
| Great Lakes Credit Union | 0.40% | $1k | - | $120 | 3 Year Share Certificate | |
| Union Bank of California | 0.40%† | $350 | $100k | $121 | 36 - 47 Month CD | |
| TD Bank, National Association | 0.40%† | $250 | - | $120 | 3 Year Basic CD | |
| H&R Block Bank | 0.35% | $250 | - | $106 | 36 Month CD | |
| iGObanking | 0.35% | $1k | - | $106 | 36 Month iGOCD | |
| Capital One Bank | 0.35%† | $1k | - | $105 | 3 Year CD | |
| Acacia Federal Savings Bank | 0.35% | $500 | - | $106 | 36 Month CD | |
| Chase Manhattan Bank | 0.35%* | $10k | - | $106 | 36-41 Month CD - Relationship | |
| Amalgamated Bank | 0.35%† | $500 | $99k | $105 | 3 Year USAVE Time Deposit | |
| Citibank | 0.35%† | $1k | - | $105 | 3 Year CD | |
| Regions Bank | 0.30%† | $500 | - | $90.52 | 36 - 47 Month Relationship CD | |
| Wells Fargo Bank | 0.30%† | $5k | - | $98.06 | Business 39 Month CD Special | |
| BankDirect | 0.25% | $10k | - | $62.79 | 30 Month CD | |
| Charles Schwab Bank | 0.25% | $1k | - | $75.39 | 36 Month CD | |
| Comerica Bank | 0.25%† | $1k | - | $75.19 | 3 Year Fixed Rate CD | |
| Woodforest National Bank | 0.25%† | $500 | - | $75.19 | 3 Year CD | |
| Bank of America | 0.25%† | $1k | - | $75.39 | 36 - 47 Month CD - Platinum Rate | |
| GiftsforBanking.com | 0.15% | $5k | - | $45.07 | 3 Year CD Gifts | |
| HSBC Bank USA, National Association | 0.10% | $1k | - | $25.09 | 30 Month Online CD | |
| Guardian Credit Union | 0.04% | $500 | - | $10.03 | 30 Month Share Certificate | |
Nationwide CDs
Average 3 Year CD Rate Trend
Featured Accounts
CIT Bank
3-year Term IRA CD
1.21% APY
3-year Term IRA CD
1.21% APY
* All banks listed are a Member FDIC.