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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Start SavingCIT Bank 3 Year Term CDAPY 1.42% Min $1k Max N/A Earnings Est. $1,080
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683
Sponsored Note: 
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Christian Community Credit Union | 2.00% | $1k | $250k | $1,535 | 36 - 47 Month Kingdom Builder Certificates - New Money Only | |
| Melrose Credit Union | 1.76% | $5k | - | $1,343 | 3 Year Share Certificate | |
| Wings Financial Credit Union | 1.71% | $500 | - | $1,305 | 3 Year Dividend Paid Monthly Share Certificate | |
| Air Force Federal Credit Union | 1.55%* | $25k | - | $1,181 | 3 Year CD | |
| AmTrustDirect | 1.55% | - | - | $1,184 | 36 Month CD | |
| American Airlines Credit Union | 1.51% | $10k | - | $1,150 | 36 Month CD | |
| Self-Help Credit Union | 1.51% | $500 | - | $1,153 | 36 Month CD | |
| Alliant Credit Union | 1.50% | $1k | - | $1,145 | 36 - 47 Month Share CD | |
| RiverLand Credit Union | 1.50% | $1k | - | $1,142 | 36 Month Certificate | |
| Doral Bank | 1.50% | $1k | - | $1,145 | 36 Month Certificate | |
| Hanscom Credit Union | 1.45% | $1k | - | $919 | 30 to 59 Month CD | |
| Barclays | 1.45% | - | - | $1,106 | 36 Month Online CD | |
| CIT Bank | 1.42% | $1k | - | $1,080 | 3 Year Term CD | |
| Start SavingSponsored Note: Save On Your Terms: You Choose, You Save. FDIC Insured | ||||||
| Andrews Federal Credit Union | 1.41% | $1k | - | $1,072 | 36 Month CD | |
| Northwest Federal Credit Union | 1.40%* | $25k | - | $1,065 | 3 Year CD | |
| RTN Federal Credit Union | 1.40%* | $1k | - | $1,065 | 36 Month CD | |
| Justice Federal Credit Union | 1.40%* | $500 | - | $1,065 | 36 Month CD | |
| Third Federal | 1.40%† | $500 | - | $1,098 | 37 Month CD Special | |
| Digital Credit Union | 1.35% | $25k | - | $1,029 | Jumbo 36 - 47 Month Certificate - Relationship Rate | |
| Navy Federal Credit Union | 1.35%* | $20k | - | $1,026 | 3 Year CD | |
| Goldwater Bank | 1.34% | $5k | - | $1,019 | 3 Year CD | |
| USAA Bank | 1.31% | $1k | $95k | $995 | 3 Year CD - Standard | |
| United States Senate Credit Union | 1.31%* | $20k | $100k | $998 | 36 Month Smart CD | |
| Virtual Bank | 1.31% | $10k | - | $995 | 3 Year eCD | |
| Ally Bank | 1.30% | - | - | $988 | High Yield 3 Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| Fort Knox Federal Credit Union | 1.30% | $500 | - | $990 | 36 Month CD | |
| Geauga Savings Bank | 1.30% | $1k | - | $990 | 36 Month CD | |
| MetLife Bank | 1.30% | $2k | - | $990 | 36 Month CD | |
| Hudson City Savings Bank | 1.30%† | $500 | - | $988 | 3 Year CD | |
| Sallie Mae Bank | 1.30% | - | - | $988 | 36-Month CD | |
| Stillwater National Bank | 1.30%*† | $10k | - | $988 | 36 Month CD | |
| Broadway Federal Bank | 1.26% | $500 | - | $960 | 36 Month Manager's Special CD | |
| State Bank of India | 1.26%† | - | - | $957 | 3 Year CD | |
| Air Academy Federal Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| H&R Block Bank | 1.25% | $250 | - | $952 | 36 Month CD | |
| OneWest Bank | 1.25% | $1k | - | $949 | 3 Year Online CD | |
| OneUnited Bank | 1.25% | $1k | - | $949 | UNITY 3 Year CD | |
| Patriot Bank | 1.25% | $1k | - | $952 | 36 Month CD | |
| Pentagon Federal Credit Union | 1.25% | $1k | - | $949 | 3 Year Money Market Cerificate | |
| Nationwide Bank | 1.25%* | - | - | $952 | 36 Month CD | |
| Jacksonville Bank | 1.25% | $1k | - | $952 | 36 - 59 Month CD | |
| Colorado Federal Savings Bank | 1.25% | $5k | - | $949 | 3 Year CD | |
| First National Bank (LA) | 1.25% | - | - | $949 | 36 Month CD | |
| Mcgraw Hill Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| First Savings Bank Northwest | 1.23% | $25k | - | $936 | 36 Month CD | |
| Garden Savings Federal Credit Union | 1.21% | $500 | - | $919 | 3 Year Share Certificate | |
| North American Savings Bank | 1.21% | $10k | - | $919 | 36 - 47 Month CD with Checking | |
| Agriculture Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month Share Certificate | |
| First Internet Bank of IN | 1.20% | $1k | - | $913 | 36 Month CD | |
| Heritage Bank | 1.20% | $25k | - | $913 | 36 Month CD | |
| Lockheed Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month CD | |
| KeySource Commercial Bank | 1.20% | $100 | - | $911 | 36 Month CD | |
| Firstmark Credit Union | 1.20% | $500 | - | $911 | 3 Year Regular CD | |
| Quantum National Bank | 1.20% | $1k | - | $913 | 36 Month Relationship CD | |
| AIG Bank | 1.15% | - | - | $875 | 36 Month CD | |
| Ascencia Bank | 1.15% | $500 | $97k | $872 | 3 Year CD | |
| Bank of Internet USA | 1.15% | $1k | - | $875 | 36 Month CD | |
| Affinity Credit Union | 1.15% | $500 | - | $727 | 30 Month Certificate w/ Bump Up | |
| Premier America Credit Union | 1.15%* | $25k | - | $872 | 36 Month CD | |
| First New England Federal Credit Union | 1.11% | $1k | - | $844 | 36 Month CD - Relationship | |
| American Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| BankUnited | 1.10% | $5k | - | $834 | 36 Month CD Special | |
| University Federal Credit Union | 1.10% | - | - | $836 | 36 Month Web CD | |
| Giantbank.com | 1.10% | $2,500 | - | $836 | 36 Month Giant Personal CD | |
| Kaiser Federal Bank | 1.10% | $1k | - | $834 | 3 Year to Less than 5 Year CD | |
| Salem Five | 1.10% | $10k | - | $834 | 36 Month Relationship CD | |
| 5Star Bank | 1.10% | $1k | - | $834 | 3 Year CD | |
| NOVA Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| Pacific Mercantile Bank | 1.08% | $10k | - | $819 | 36 Month CD | |
| EverBank | 1.06% | $1,500 | - | $670 | 2.5 Year Yield Pledge CD | |
| Randolph Bank & Trust Company | 1.06% | $5k | - | $803 | 36 Month Online CD | |
| E-LOAN.com | 1.05% | $10k | - | $796 | 3 Year CD | |
| Intervest National Bank | 1.05% | $2,500 | - | $796 | 3 Year CD | |
| Newtown Savings Bank | 1.05% | - | - | $796 | 3 Year CD | |
| Lake Michigan Credit Union | 1.05% | $500 | - | $663 | 30 Month VIP CD | |
| US Bank N.A. | 1.05% | $1k | $250k | $820 | 37 Month CD Special | |
| First National Community Bank (PA) | 1.05% | $1k | - | $820 | 37 Month CD | |
| First Security Bank & Trust | 1.03% | $10k | - | $783 | 36 - 47 Month CD | |
| Dime Savings Bank | 1.01% | $500 | - | $765 | 3 Year CD | |
| SunTrust Bank | 1.01%† | $2k | $1m | $789 | 37 Month CD | |
| Bank of Blue Valley | 1.00% | - | - | $760 | 36 - 47 Months CD | |
| Atlantic Coast Bank | 1.00% | $1k | - | $760 | 36 Month iCertificates of Deposit | |
| JustBankIt.com | 1.00% | $1k | - | $631 | 30 Month CD | |
| Velocity Credit Union | 1.00% | $1k | - | $758 | 3 Year Inflation Fighter Share Certificate | |
| S-Bank | 1.00% | $1k | - | $758 | 36 Month Statement Term Certificates | |
| INOVA Federal Credit Union | 1.00% | $200 | - | $758 | 3 Year CD | |
| Easthampton Savings Bank | 1.00% | $1k | - | $758 | 36 Month CD | |
| Principal Bank | 1.00% | $5k | - | $760 | 36 Month CD | |
| Urban Partnership Bank | 1.00% | $1k | $100k | $631 | 30 Month CD | |
| Community Bank of Raymore | 0.95% | $500 | - | $719 | 3 Year Emerald Club CD | |
| FNBO Direct | 0.95% | $500 | $1m | $721 | 36 Month CD | |
| Clear Sky Accounts | 0.95% | $5k | - | $741 | 37 Month Clear Sky CD | |
| American Express Bank, FSB | 0.90% | - | - | $683 | 36 Month CD | |
| UnivestDirect | 0.90% | $500 | - | $681 | 3 Year 3D-CD | |
| Southeast Financial Federal Credit Union | 0.90% | $500 | - | $681 | 3 Year CD | |
| First Trade Union Savings | 0.90% | $500 | - | $681 | 3 Year CD | |
| NewDominion Bank | 0.90% | $1k | - | $681 | 36 Month Fixed Rate CD | |
| South Division Credit Union | 0.90% | $1k | - | $681 | 3 Year CD | |
| The Adirondack Trust Company | 0.90% | $500 | - | $681 | 3 Year CD | |
| Beacon Federal Bank | 0.90% | $2,500 | - | $683 | 36 Month CD | |
| North Country Savings Bank | 0.85% | $500 | - | $643 | 3 Year CD | |
| NASA Federal Credit Union | 0.85% | $1k | - | $645 | 36 Month CD | |
| Pacific Resource Credit Union | 0.81% | $1k | - | $612 | 36 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $605 | 3 Year CD | |
| Acacia Federal Savings Bank | 0.80% | $500 | - | $606 | 36 Month CD | |
| Apple Federal Credit Union | 0.80% | $500 | - | $606 | 36 Month Share Certificate | |
| ING DIRECT | 0.80% | - | - | $504 | 30 Month Orange CD | |
| West Texas National Bank | 0.80% | $1k | - | $605 | 3 Year CD | |
| Thrivent Financial Bank | 0.80% | $1k | - | $504 | 30 Month CD Special | |
| Cattaraugus County Bank | 0.79% | $1k | - | $599 | 36 Month CD | |
| Webster Bank | 0.75% | $1k | - | $567 | 3 Year CD | |
| Ameriprise Bank FSB | 0.75%* | $10k | - | $473 | 30 Month CD | |
| E-Central Credit Union | 0.75% | $1k | - | $567 | 36 - 47 Month CD | |
| State Farm Bank | 0.72%*† | - | - | $545 | 36 Month CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $529 | 3 Year CD | |
| Provident Credit Union (CA) | 0.70% | $1k | - | $529 | 36 Month CD | |
| Patelco Credit Union | 0.70% | $1k | - | $529 | 36 - 47 Month CD | |
| iGObanking | 0.70% | $1k | - | $530 | 36 Month iGOCD | |
| Consumers Credit Union (IL) | 0.70% | $250 | - | $529 | 3 Year CD | |
| Flagstar Bank | 0.65%† | $500 | - | $492 | 36 - 47 Month CD | |
| KeyBank | 0.65%† | $25k | $100k | $491 | 36 Month Tiered CD - Relationship | |
| Airbanking | 0.65% | $500 | - | $491 | 3 Year CD | |
| Heartland Bank Direct | 0.65% | $1k | - | $492 | 36 Month Online CD | |
| Wells Fargo Bank | 0.65% | $5k | - | $533 | Business 39 Month CD Special | |
| Zions Bank | 0.60% | $1k | - | $453 | 3 Year Gold CD | |
| ViewPoint Bank | 0.60% | $1k | - | $454 | 36 Month Regular CD | |
| Union Bank of California | 0.60%† | $350 | $100k | $454 | 36 - 47 Month CD | |
| Charles Schwab Bank | 0.55% | $1k | - | $416 | 36 Month CD | |
| GiftsforBanking.com | 0.55% | $5k | - | $415 | 3 Year CD Gifts | |
| Sovereign Bank | 0.55%* | $10k | $100k | $415 | 36 Month Rising Rate Relationship CD | |
| Capital One Direct Banking | 0.55% | $5k | $100k | $415 | 3 Year Costco Members CD | |
| Amegy Bank | 0.50% | $1k | - | $315 | 30 Month Jumbo Personal CD | |
| Citibank | 0.50%† | $1k | - | $377 | 3 Year CD | |
| Amalgamated Bank | 0.45%† | $500 | $99k | $339 | 3 Year USAVE Time Deposit | |
| National Bank of Kansas City | 0.45% | $5k | - | $340 | 36 - 47 Month CD | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $339 | 3 Year Certificate | |
| HSBC Advance | 0.35% | - | - | $220 | 30 Month Online CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $263 | 36 Month CD | |
| Comerica Bank | 0.35%† | $1k | - | $263 | 3 Year CD | |
| HSBC Bank USA, National Association | 0.35% | $1k | - | $220 | 30 Month Online CD | |
| Regions Bank | 0.30%† | $500 | - | $226 | 36 - 47 Month Relationship CD | |
| BankDirect | 0.25% | $10k | - | $157 | 30 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $126 | 30 Month Share Certificate | |
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Average 3 Year CD Rate Trend
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