A 36-month CD may be ideal for those with short to intermediate-term cash needs. Below we list the best 3-year CD rates in our database, ordered from highest APY to lowest.

Note that you may be able to find better rates with alternative account types. For example, online savings accounts or no-penalty CDs may offer higher yields.

Featured CD Rates

Bank/Credit Union

Min. Deposit

APY

Learn More


$1

3-month APY 5.21%
6-month APY 5.41%
12-month APY 5.51%


$2500

12-month APY 5.00%
18-month APY 5.00%
24-month APY 4.30%


$1

3-month APY 5.40%
6-month APY 4.00%
9-month APY 5.50%


$1000

13-month APY 4.65%
18-month APY 4.60%
24-month APY 0.40%


$500

6-month APY 5.05%
12-month APY 5.30%
24-month APY 4.50%


$1

5-month APY 5.40%
12-month APY 4.20%
15-month APY 4.50%


$1

14-month APY 5.40%
10-month APY 5.30%


No-penalty | 3-Month | 6-Month | 1-Year | 2-year | 3-year | 4-year | 5-year

3-Year CD Rates

Compare rates on 3-year CDs:

108 Results

Valley Direct 36-month CD
Valley Direct
36-month CD
APY
5.60%
Min
$500
Max
$500k

United States Senate Federal Credit Union 36-months Plus Jumbo Business CD
United States Senate Federal Credit Union
36-months Plus Jumbo Business CD
APY
5.34%
Min
$200,000
Max
-

United States Senate Federal Credit Union 36-months Plus Jumbo CD
APY
5.34%
Min
$200,000
Max
-

United States Senate Federal Credit Union 36-months Jumbo Business CD
APY
5.28%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union 36-months Jumbo CD
APY
5.28%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union 36-months Plus Jumbo Bump Rate CD
United States Senate Federal Credit Union
36-months Plus Jumbo Bump Rate CD
APY
5.23%
Min
$200,000
Max
-

United States Senate Federal Credit Union 36-months CD
APY
5.23%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union 36-months Business CD
APY
5.23%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union 36-months Jumbo Bump Rate CD
United States Senate Federal Credit Union
36-months Jumbo Bump Rate CD
APY
5.18%
Min
$100,000
Max
$200k

Luana Savings Bank 36-month Jumbo CD
Luana Savings Bank
36-month Jumbo CD
APY
5.16%
Min
$100,000
Max
-

United States Senate Federal Credit Union 36-months Bump Rate CD
APY
5.13%
Min
$1,000
Max
$100k

Luana Savings Bank 36-month CD
APY
5.01%
Min
$2,000
Max
$100k

Crescent Bank 36-month CD
Crescent Bank
36-month CD
APY
4.75%
Min
$1,000
Max
-

First Internet Bank 36-months High Yield CD
First Internet Bank
36-months High Yield CD
APY
4.75%
Min
$1,000
Max
-

Bread Bank 3-Year CD
Bread Bank
3-Year CD
APY
4.75%
Min
$1,500
Max
$1,000k

Popular Direct 36-month CD
Popular Direct
36-month CD
APY
4.75%
Min
$10,000
Max
-

CFG Bank 36-Month CD
CFG Bank
36-Month CD
APY
4.70%
Min
$500
Max
$250k

Seattle Bank 36-month CD
Seattle Bank
36-month CD
APY
4.65%
Min
$1,000
Max
$220k

NexBank 36-month Standard CD
NexBank
36-month Standard CD
APY
4.55%
Min
$10,000
Max
$25k

Alliant Credit Union 36-Month Jumbo CD
Alliant Credit Union
36-Month Jumbo CD
APY
4.55%
Min
$75,000
Max
-

Signature Federal Credit Union 36-month CD
APY
4.50%
Min
$500
Max
-

Barclays Bank 36-month CD
Barclays Bank
36-month CD
APY
4.50%
Min
-
Max
-

Alliant Credit Union 36-month CD
APY
4.45%
Min
$1,000
Max
-

Colorado Federal Savings Bank 36-month CD
APY
4.45%
Min
$5,000
Max
-

Quontic Bank 3-Year CD
Quontic Bank
3-Year CD
APY
4.40%
Min
$500
Max
-

Rising Bank 36-month Rising CD
Rising Bank
36-month Rising CD
APY
4.35%
Min
$25,000
Max
-

Capital One Bank 360 36-months CD
Capital One Bank
360 36-months CD
APY
4.30%
Min
$1
Max
-

Synchrony Bank 36-month CD
Synchrony Bank
36-month CD
APY
4.30%
Min
$1
Max
-

Seattle Bank 36-month Bump-Up CD
Seattle Bank
36-month Bump-Up CD
APY
4.30%
Min
$1,000
Max
$220k

Discover Bank 3-year IRA CD
Discover Bank
3-year IRA CD
APY
4.30%
Min
$2,500
Max
-

Marcus by Goldman Sachs 3-Year CD
APY
4.30%
Min
$500
Max
$1,000k

Discover Bank 3-Year High Yield CD
Discover Bank
3-Year High Yield CD
APY
4.30%
Min
$2,500
Max
-

La Capitol Federal Credit Union 3-Year Super Saver Share Certificate
La Capitol Federal Credit Union
3-Year Super Saver Share Certificate
APY
4.30%
Min
$100,000
Max
-

Langley Federal Credit Union 36-month CD
APY
4.25%
Min
$500
Max
-

Ally Bank 3-Year High Yield CD
Ally Bank
3-Year High Yield CD
APY
4.25%
Min
$1
Max
-

TAB Bank 36-month CD
TAB Bank
36-month CD
APY
4.25%
Min
$1,000
Max
-

TAB Bank 36-month Business CD
TAB Bank
36-month Business CD
APY
4.25%
Min
$1,000
Max
-

America First Credit Union 36-47 months CD
APY
4.25%
Min
$500
Max
-

NASA Federal Credit Union 36-month CD
APY
4.25%
Min
$1,000
Max
-

Teachers Federal Credit Union 36-month CD
APY
4.25%
Min
$1,000
Max
$100k

La Capitol Federal Credit Union 3-Year Mega Saver Share Certificate with One-time Bump
La Capitol Federal Credit Union
3-Year Mega Saver Share Certificate with One-time Bump
APY
4.20%
Min
$100,000
Max
-

Chevron Federal Credit Union 36-months Share Certificate
Chevron Federal Credit Union
36-months Share Certificate
APY
4.20%
Min
$250,000
Max
-

Spectrum Credit Union 36-months Share Certificate
Spectrum Credit Union
36-months Share Certificate
APY
4.20%
Min
$250,000
Max
-

Chevron Federal Credit Union 36-months Share Certificate
Chevron Federal Credit Union
36-months Share Certificate
APY
4.15%
Min
$100,000
Max
-

Spectrum Credit Union 36-months Share Certificate
Spectrum Credit Union
36-months Share Certificate
APY
4.15%
Min
$100,000
Max
-

NASA Federal Credit Union 36-month Bump Rate CD
NASA Federal Credit Union
36-month Bump Rate CD
APY
4.15%
Min
$1,000
Max
-

Chevron Federal Credit Union 36-months Share Certificate
Chevron Federal Credit Union
36-months Share Certificate
APY
4.10%
Min
$500
Max
-

Chevron Federal Credit Union 36-months Share Certificate
Chevron Federal Credit Union
36-months Share Certificate
APY
4.10%
Min
$50,000
Max
-

Spectrum Credit Union 36-months Share Certificate
Spectrum Credit Union
36-months Share Certificate
APY
4.10%
Min
$500
Max
-

Spectrum Credit Union 36-months Share Certificate
Spectrum Credit Union
36-months Share Certificate
APY
4.10%
Min
$50,000
Max
-

America First Credit Union 36-47 months Bump-Rate CD
America First Credit Union
36-47 months Bump-Rate CD
APY
4.10%
Min
$500
Max
-

La Capitol Federal Credit Union 3-Year Thrifty Saver Share Certificate
La Capitol Federal Credit Union
3-Year Thrifty Saver Share Certificate
APY
4.10%
Min
$500
Max
-

EverBank 3-year CD
EverBank
3-year CD
APY
4.10%
Min
$1,000
Max
-

UmbrellaBank 36-month CD
UmbrellaBank
36-month CD
APY
3.95%
Min
$10,000
Max
-

Rising Bank 3-Year CD
Rising Bank
3-Year CD
APY
3.85%
Min
$1,000
Max
-

Virtual Bank 36-month CD
Virtual Bank
36-month CD
APY
3.77%
Min
-
Max
-

MainStreet Bank 3-Year CD
APY
3.50%
Min
$500
Max
-

MainStreet Bank 3-Year Business CD
MainStreet Bank
3-Year Business CD
APY
3.50%
Min
$500
Max
-

USALLIANCE Financial 36-month CD
APY
3.40%
Min
$500
Max
-

Fort Liberty Federal Credit Union 36-months Jumbo Share Certificate
Fort Liberty Federal Credit Union
36-months Jumbo Share Certificate
APY
3.35%
Min
$25,000
Max
-

Citizens Access 3-Year Online High Yield CD
Citizens Access
3-Year Online High Yield CD
APY
3.35%
Min
$5,000
Max
-

Finworth 3-Year CD
Finworth
3-Year CD
APY
3.30%
Min
$50,000
Max
$240k

Ivy Bank 3-Year CD
Ivy Bank
3-Year CD
APY
3.25%
Min
$1,000
Max
$1,000k

Fort Liberty Federal Credit Union 36-months Share Certificate
Fort Liberty Federal Credit Union
36-months Share Certificate
APY
3.25%
Min
$500
Max
-

Magnifi Financial 36-month Jumbo CD
Magnifi Financial
36-month Jumbo CD
APY
3.15%
Min
$150,000
Max
-

Magnifi Financial 36-month Jumbo CD
Magnifi Financial
36-month Jumbo CD
APY
3.05%
Min
$100,000
Max
$150k

Bank Financial 3-Year CD
APY
3.00%
Min
$1,000
Max
-

Bank Financial 3-Year Business CD
Bank Financial
3-Year Business CD
APY
3.00%
Min
$1,000
Max
-

Forbright 36-month Online CD
Forbright
36-month Online CD
APY
3.00%
Min
$1,000
Max
-

Liberty Federal Credit Union 3-Year CD
APY
3.00%
Min
$1,000
Max
-

Magnifi Financial 36-month CD
APY
3.00%
Min
$50,000
Max
$100k

UNIFY Financial Credit Union 36-month Jumbo CD
APY
3.00%
Min
$100,000
Max
-

Magnifi Financial 36-month CD
APY
2.95%
Min
$25,000
Max
$50k

Magnifi Financial 36-month CD
APY
2.90%
Min
$500
Max
$25k

UNIFY Financial Credit Union 36-month CD
APY
2.85%
Min
$40,000
Max
-

Ponce Bank 36-month High Yield CD
Ponce Bank
36-month High Yield CD
APY
2.85%
Min
$1,000
Max
-

Thrivent Credit Union 36-month CD
APY
2.80%
Min
$1,000
Max
-

Affinity Plus Federal Credit Union 36-month CD
APY
2.75%
Min
$500
Max
-

Amerant Bank 36-month CD
Amerant Bank
36-month CD
APY
2.75%
Min
$10,000
Max
$250k

Amerant Bank 36-month Online CD
Amerant Bank
36-month Online CD
APY
2.75%
Min
$500
Max
$250k

Amerant Bank 36-month Online CD
Amerant Bank
36-month Online CD
APY
2.75%
Min
$500
Max
$250k

XCEL Federal Credit Union 36-months CD
APY
2.75%
Min
$500
Max
-

NuVision Credit Union 3-Year Jumbo CD
NuVision Credit Union
3-Year Jumbo CD
APY
2.70%
Min
$100,000
Max
-

UNIFY Financial Credit Union 36-month CD
APY
2.70%
Min
$1,000
Max
-

NuVision Credit Union 3-Year CD
APY
2.65%
Min
$50,000
Max
-

NuVision Credit Union 3-Year CD
APY
2.60%
Min
$25,000
Max
-

NuVision Credit Union 3-Year CD
APY
2.55%
Min
$1,000
Max
-

Credit Union of the Rockies 36-month CD
APY
2.55%
Min
$500
Max
-

Citibank 3-Year Fixed Rate CD
Citibank
3-Year Fixed Rate CD
APY
2.50%
Min
$500
Max
-

BrioDirect 36-month High Yield CD
BrioDirect
36-month High Yield CD
APY
2.45%
Min
$500
Max
-

EverBank 3-Year Business CD
EverBank
3-Year Business CD
APY
2.40%
Min
$1,500
Max
-

Zeal Credit Union 36-months Jumbo CD
Zeal Credit Union
36-months Jumbo CD
APY
2.20%
Min
$100,000
Max
-

Zeal Credit Union 36-months CD
Zeal Credit Union
36-months CD
APY
2.10%
Min
$25,000
Max
$100k

Newtek Bank 36-month CD
Newtek Bank
36-month CD
APY
2.00%
Min
$2,500
Max
$250k

Live Oak Bank 3-Year CD
Live Oak Bank
3-Year CD
APY
2.00%
Min
$2,500
Max
$250k

Live Oak Bank 3-Year Business CD
Live Oak Bank
3-Year Business CD
APY
2.00%
Min
$2,500
Max
$250k

Zeal Credit Union 36-months CD
Zeal Credit Union
36-months CD
APY
2.00%
Min
$1,000
Max
$25k

American Bank 36-month CD
American Bank
36-month CD
APY
1.50%
Min
$500
Max
-

American Bank 36-month Business CD
American Bank
36-month Business CD
APY
1.50%
Min
$500
Max
-

Third Federal Savings & Loan 36-months CD
APY
1.50%
Min
$50
Max
-

American First Credit Union 36-month CD
APY
1.30%
Min
$1,000
Max
-

American Express Bank 36-Month CD
APY
1.15%
Min
$1
Max
-

Continental Bank 3-Year High Yield CD
Continental Bank
3-Year High Yield CD
APY
1.10%
Min
$25,000
Max
-

Banesco USA BaneSmart 36-Month CD
Banesco USA
BaneSmart 36-Month CD
APY
0.55%
Min
$1,500
Max
-

CIT Bank 3-Year Term CD
CIT Bank
3-Year Term CD
APY
0.40%
Min
$1,000
Max
-

CIT Bank 3-Year Jumbo CD
CIT Bank
3-Year Jumbo CD
APY
0.40%
Min
$100,000
Max
-

Nationwide by Axos Bank 36-month CD
APY
0.20%
Min
$500
Max
-

BMO Harris Bank 36-month Standard CD*
BMO Harris Bank
36-month Standard CD*
APY
0.10%
Min
$1,000
Max
-

Author

  • Rob Berger

    Rob Berger is the founder of Dough Roller and the Dough Roller Money Podcast. A former securities law attorney and Forbes deputy editor, Rob is the author of the book Retire Before Mom and Dad. He educates independent investors on his YouTube channel and at RobBerger.com.