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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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

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Wheelhouse Credit Union33 Month Certificate Special
2.60%
$500-$1,833
2.55%
$2.5k-$1,629
Garden Savings FCU3 Year Share Certificate3 Reviews
2.53%
$500-$1,946
Lafayette FCU3 Year Fixed CD2 Reviews
2.52%
$500-$1,938
2.50%
$500-$1,922
Dover FCU3 Year Share Certificate10 Reviews
2.50%*
$25k-$1,922
2.50%
$500-$1,922
2.50%
$1k-$1,922
MAC FCU36 Month CD3 Reviews
2.50%
$1k-$1,922
2.50%
$500-$1,922
Credit Union Of The Rockies36 Month Promotional CD
2.50%
$1k-$1,922
Hiway FCU36 – 47 Month CD6 Reviews
2.50%*
$25k-$1,906
Advancial3 Year Junior Jumbo Certificate9 Reviews
2.41%
$25k$50k$1,851
NuVision FCU3 Year CD
2.35%*
$25k-$1,804
2.35%
$500-$1,804
Communitywide FCU36 Month Share Certificate4 Reviews
2.35%
$1k-$1,804
2.35%
$2.5k-$1,804
State Department FCU36 Month Certificate8 Reviews
2.32%
$500-$1,781
Interior FCU36 Month Share Certificate2 Reviews
2.32%
$500-$1,781
Heritage Bank36 Month Triple Option CD5 Reviews
2.32%*
$25k-$1,781
Financial Resources FCU35 Month Bump-Up CD Special2 Reviews
2.32%
$500-$1,734
2.31%
$5k-$1,773
Primary Bank3 Year CD
2.30%
--$1,765
2.30%
$500-$1,765
2.30%
$500-$1,765
Service Credit Union36 Month Share Certificate20 Reviews
2.30%
$1k-$1,765
Technology Credit Union36 - 47 Month Flextime CD9 Reviews
2.30%
$1k-$1,750
RTN FCU35 Month CD Special
2.30%
$1k-$1,718
2.27%
$500-$1,741
MTC FCU36 Month Share Plus CD
2.27%
$10k-$1,741
2.25%
$1k-$1,726
2.25%
$1k-$1,726
2.25%
$500-$1,726
2.25%
$1k-$1,726
2.25%
$500-$1,726
UNIFY Financial Credit Union36 Month Share Certificate10 Reviews
2.25%*
$1k-$1,726
2.25%
--$1,711

Displaying 1-40 of 221 Results


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.

3-Year CD Rate History – Average APY (%) Rate Trend over Time

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 APY (Annual Percentage Yield) 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.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers 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 [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.