Browsing the web for the Best 3-Year CD Rates to invest your funds in? Well, you’re in the right spot. Below is our guide to help you find the Best 3-Year CD Rates. CDs, short for Certificate of deposits, will offer you one of the top & secure return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Need to see a more full, extensive list of available CD rates before deciding? See our post on the Best CD Rates.
Looking for a certain term? See below for our list of the best CD rates in the following terms:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 1-Year CD Rates
- Best 18-Month CD Rates
- Best 2-Year CD Rates
- Best 4-Year CD Rates
- Best 5-Year CD Rates
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | Discover Bank 12-Month CD Account | $2,500 | 2.40% | |
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | BBVA 36-Month CD Account | $500 | 2.25% |
Best 3-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Veridian Credit Union | 3.15% | $100K | --- | 41-Month Jumbo CD | Review |
| State Bank of India | 3.14% | $2.5K | --- | 36-Month Senior Citizens CD | Review |
| State Bank of India | 3.14% | $25K | --- | 3-Year CD | Review |
| University Federal Credit Union | 3.14% | $1K | --- | 36-Month CD | Review |
| State Bank of India | 3.09% | $2.5K | --- | 36-Month CD | Review |
| GTE Financial | 3.09% | $100K | --- | 36-Month Jumbo CD | Review |
| Comenity Direct | 3.05% | $1.5K | --- | 36-Month CD | Review |
| Veridian Credit Union | 3.05% | $1K | --- | 41-Month CD | Review |
| First National Bank of America | 3.05% | $1K | --- | 36-47 Month CD | Review |
| West End Bank | 3.00% | $500 | --- | 33-Month CD | Review |
Best 3-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Arbor Financial Credit Union | MI | 3.65% | $250k | --- | 34-Month BOOST CD | Review |
| Money One Federal Credit Union | MD, VA | 3.60% | $25 | $250K | 36-Month CD | Review |
| Unitus Community Credit Union | OR, WA | 3.50% | $500 | --- | 36-Month CD | Review |
| AEA Federal Credit Union | AZ | 3.50% | $1,000 | --- | 35-Month CD | Review |
| EFCU | LA | 3.50% | $100K | --- | 36-Month Jumbo CD | Review |
| Jefferson Financial Credit Union | AL, LA | 3.40% | $100K | --- | 36-Month CD | Review |
| Red Rocks Credit Union | CO | 3.35% | $5K | --- | 36-Month CD | Review |
| Navy Army Community Credit Union | TX | 3.33% | $1K | --- | 30-Month CD | Review |
| Neighbors Federal Credit Union | LA | 3.30% | $1.5K | --- | 36-Month CD | Review |
Related posts:
Westerra Credit Union CD Account Review: 2.30% APY 25-Month CD Special (Colorado only)
EmigrantDirect CD Review: 2.40% APY 6-Month CD Rate Special (Nationwide)
Bank of Botetourt CD Account Review: 2.02% APY 18-Month CD Special (Virginia only)
P1FCU CD Account Review: 3.25% APY 48-Month CD Rates (ID, MT, OR, WA)
