Featured 1-Year CD Rates
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3 Year CD Rates

Compare rates on 3 year CDs from banks and credit unions. Use the filter box below to customize your results. Also, try our Early Withdrawal Penalty Calculator to compare a 3-year CD rate to the effective APY of a CD with a longer term and higher rate that is broken at the 3-year mark. Click here to read more about features and tips related to 3-year CDs.

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Deposit Amount
$1 $100,000

156 Results


Nationwide Only
1.71%
$500-$1,270
1.68%*
$5k-$1,281
Hughes FCU36 Month CD
1.66%
$1k$50k$1,269
Melrose Credit Union3 Year Share Certificate17 Reviews
1.66%
$5k-$1,266
1.60%
$1k-$1,327
1.60%
$2,500-$1,223
Communitywide FCU36 Months Share Certificate3 Reviews
1.60%
$2k-$1,223
1.60%
$500-$1,219
1.60%
$10k-$1,219
1.56%
$500-$1,192
Velocity Credit Union33 Month Step-Up Share Certificate Promo3 Reviews
1.56%
$1k-$1,090
1.55%
$500-$1,285
Barclays36 Month Online CD94 Reviews
1.55%
--$1,184
1.55%
$2,500$250k$1,181
1.55%*
$10k-$1,181
Popular Direct3 Year Popular Direct CD
1.55%
$10k-$1,181
Alliant Credit Union36 - 47 Month Jumbo Share CD31 Reviews
1.55%
$25k-$1,171
Mid-Illini Credit Union36 Month Share Certificate2 Reviews
1.51%
$500-$1,153
MutualOne Bank30 Month CD
1.51%
$500-$957
1.50%
$500-$1,145
America's Credit Union 36 Months Promotional Standard Share CD15 Reviews
1.50%
$10k-$1,145
Air Force FCU3 Year Bump Up CD1 Review
1.50%*
$1k-$1,142
1.50%
$2,500-$1,142
Elements Financial34 Month Rate Climber CD2 Reviews
1.50%
$1k-$1,080
MySavingsDirect30 Month My Term CD26 Reviews
1.50%
$1k-$951
1.46%*
$25k-$1,102
1.45%
$10k-$1,106
AgFed Credit Union36 Month Share Certificate
1.45%
$1k-$1,106
My e-BAnC by BAC Florida BankBAC Internet Time Deposit 36 Months12 Reviews
1.45%
$1,500-$1,106
KS StateBank3 Year CD
1.45%
$500-$1,103
1.41%
$1k-$1,075
Silvergate Bank3 Year High Yield Online CD 1 Review
1.41%*
$25k$235k$1,072
Garden Savings FCU3 Year Share Certificate
1.41%
$500-$1,072
1.40%*
--$1,068
1.40%
$1k-$1,068
1.40%
$500-$1,068
1.40%
$1k-$1,065
1.40%
$5k-$1,065

Displaying 1-40 of 156 Results


3 Year CD Rate Trend

3-Year CD Rates

3-Year CD rates are usually higher than 2-year CD rates, but lower than 4-year CD rates and are considered a mid- to long-term CD in terms of maturity period.

Certificates of deposit, or CDs, are time deposits bought by an individual in order to earn an established rate of return within a fixed time period. The FDIC and NCUA have guidelines in place for how the banks and credit unions they insure, respectively, can structure and sell CDs.

Balance Requirements

Most bank CDs have minimum initial deposit or minimum balance requirements – share certificates offered by credit unions usually have higher minimums than certificates offered by banks. Most CDs have no maximum limit set for the amount you are able to deposit. As an investment strategy, you may want to open a CD in order to hedge a position you may have in another area of the market.

Long-Term CD Inflation Risk

Investing in CDs over the long haul means a greater susceptibility to risk posed by inflation. Because inflation rates can fluctuate a lot during a 3 year time span, it is important to pay attention to economic trends when considering opening a CD for this long. For example, the inflation rate in 2009 was 2.7%, but in 2011 rose to 3.0%. If you opened a 3-year CD with a 2.8% interest rate in 2009 to beat inflation, you would be losing purchasing power in 2011, the final year of the life of the CD. To avoid losing purchasing power to inflation, some investors elect to terminate CDs early.

Closing a CD

Closing a CD early will usually result in penalties levied by the issuing financial institution, and could seriously eat into any interest earned (or in some cases the principal itself). Understanding how to calculate the cost benefit of closing out an underperforming CD is helpful to take advantage of prevailing interest rates. A CD calculator is available on DepositAccounts to help you do just that. An early withdrawal penalty is tax deductible, so if you are stuck with a lower interest rate (compared to the wider market), you may ultimately recoup a sizeable percentage of the penalty. Common examples of 3-Year CDs include a 36 Month Step Up Certificate and a 36 Month Relationship CD, which you will find in the rate table above.




The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial instututions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.