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 National CD Rates or the Best Regional CD Rates.
Looking for a certain term? See below for our list of the best CD rates in the following terms:
- Best 6 or 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 | ||
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | BBVA Compass Bank 36-Month CD Account | $500 | 2.35% |
Best 3-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Navy Federal Credit Union | 3.75% | $50 | --- | 40-Month CD | Review |
| INOVA Federal Credit Union | 3.50% | $50K | --- | 30-Month IRA CD | Review |
| Mountain America Credit Union | 3.35% | $500 | --- | 3-Year CD | Review |
| State Bank of India | 3.34% | $500K | --- | 3-Year Senior Citizen CD | Review |
| Latino Credit Union | 3.25% | $500 | --- | 36-Month Jumbo CD | Review |
| Veridian Credit Union | 3.25% | $1K | --- | 41-Month Bump-up CD | Review |
| Connexus Credit Union | 3.20% | $5K | --- | 36-Month CD | Review |
| Georgia Banking Company | 3.15% | $500 | --- | 36-Month CD | Review |
| KS State Bank | 3.15% | $500 | --- | 3-Year CD | Review |
| Popular Direct | 3.15% | $10K | --- | 3-Year CD | Review |
| M.Y. Safra Bank | 3.10% | $1K | --- | 36-Month Online CD | Review |
| CD Bank | 3.07% | $10K | --- | 36-Month CD | Review |
| Advancial | 3.05% | $50K | --- | 3-Year Jumbo CD | Review |
| Citizens Access | 3.05% | $5K | --- | 36-Month CD | Review |
| Live Oak Bank | 3.05% | $2.5K | $250K | 3-Year CD | Review |
| North American Savings Bank | 3.05% | $1K | --- | 36-Month CD | Review |
| First Internet Bank | 3.03% | $1K | --- | 3-Year CD | Review |
Best 3-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Gulf Coast Federal Credit Union | TX | 3.65% | $500 | --- | 36-Month CD | Review |
| Credit Union One of Oklahoma | OK | 3.56% | $2.5K | --- | 35-Month CD | Review |
| HRCU | NH | 3.51% | $500 | --- | 30-Month CD Special | Review |
| Pelican State Credit Union | LA | 3.51% | $500 | --- | 36-Month CD | Review |
| Frontwave Credit Union | CA | 3.50% | $1,000 | --- | 36-Month CD | Review |
| Gesa Credit Union | ID, WA | 3.50% | $500 | --- | 36-Month CD | Review |
| Sharon Bank | PA | 3.50% | $25K | --- | 39-Month CD | Review |
| Unitus Community Credit Union | OR, WA | 3.50% | $500/$20K/$50K | --- | 36-Month CD | Review |
| Solvay Bank | NY | 3.50% | $2.5K | --- | 36-Month CD | Review |
| Jefferson Financial Credit Union | AL, LA | 3.40% | $10K | --- | 36-Month CD | Review |
| Neighbors Federal Credit Union | LA | 3.37% | $1.5K | --- | 36-Month CD | Review |
| Franklin Mint Federal Credit Union | DE, PA | 3.36% | $500 | --- | 36-Month CD | Review |
| Tinker Federal Credit Union | OK | 3.35% | $1K | --- | 33-Month CD | Review |
| Peoples Bank | LA | 3.33% | $2,500 | --- | 33-Month CD | Review |
| Navy Army Community Credit Union | TX | 3.30% | $1K | --- | 30-Month CD | Review |
| Bankers Trust | AZ, IA | 3.30% | $1K | --- | 36-Month Relationship Package CD | Review |
