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Find the best CD rates here. Searching for higher interest rates than your savings account or money market account? Look into investing in a certificate of deposit (CD). CD rates can vary quite a bit, but we make finding the highest CD rates easy! Planning for retirement? Look into IRA CDs. Compare RateBrain's results for the best CD rates to the national average CD rates.
The Best 3 Year CD Rates (Certificate of Deposit). Compare the Best 3 Year CD Rates (Certificate of Deposit). FDIC insured Banks. Highest APY Interest Rate. Highest Yield CD Rates. Review the Top High Yield Certificate of Deposit rates
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Credit Union CD Rates
Best 3 Year CD Rates
Available Nationwide, Government Insured - May 16, 2025, 8:53 pm PT
| Bank | Type | APY | Actions | Last Checked |
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| Valley Direct | 3 Year CD | 5.60% - (steady @ 5.60%) |
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Jan 8 (8 days ago) | |
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| Popular Direct | 3 Year CD | 4.55% ↓ (down from 4.75%) |
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Apr 5 (10 days ago) | |
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| Newtek Bank | 3 Year CD | 4.50% ↑ (up from 2.00%) |
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Jan 21 (26 days ago) | |
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| BMO Alto | 3 Year CD | 4.50% ↓ (down from 5.10%) |
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Apr 26 (20 days ago) | |
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| Colorado Federal Savings Bank | 3 Year CD | 4.40% ↓ (down from 4.45%) |
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Apr 23 (23 days ago) | |
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| PenFed Credit Union | 3 Year CD | 4.30% ↑ (up from 4.10%) |
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Jan 21 (26 days ago) | |
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| Bank | Type | APY | Actions | Last Checked |
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| TAB Bank | 3 Year CD | 4.25% ↓ (down from 5.27%) |
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May 18 (29 days ago) | |
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| Self Help Credit Union | 3 Year CD | 4.08% ↓ (down from 4.65%) |
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Jul 19 (28 days ago) | |
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| Synchrony Bank | 3 Year CD | 4.00% ↑ (up from 3.75%) |
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May 15 (Yesterday) | |
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| Sallie Mae | 3 Year CD | 4.00% ↓ (down from 4.40%) |
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Jan 22 (25 days ago) | |
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| Apple Federal Credit Union | 3 Year CD | 4.00% ↓ (down from 4.30%) |
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Jul 19 (28 days ago) | |
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| Bread Financial | 3 Year CD | 4.00% ↓ (down from 4.40%) |
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Feb 25 (21 days ago) | |
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| Bank | Type | APY | Actions | Last Checked |
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| Capital One 360 | 3 Year CD | 4.00% ↓ (down from 4.10%) |
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Jul 19 (28 days ago) | |
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| Quaint Oak Bank | 3 Year CD | 4.00% ↓ (down from 4.25%) |
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Jul 19 (28 days ago) | |
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| Riverland Credit Union | 3 Year CD | 4.00% ↑ (up from 3.80%) |
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Jul 19 (28 days ago) | |
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| Marcus (Goldman Sachs Bank) | 3 Year CD | 4.00% ↓ (down from 4.40%) |
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Feb 26 (20 days ago) | |
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| BAC Florida | 3 Year CD | 3.98% ↓ (down from 4.18%) |
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Apr 6 (9 days ago) | |
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| Ameriprise Bank | 3 Year CD | 3.80% ↓ (down from 4.80%) |
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Feb 24 (23 days ago) | |
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| Bank | Type | APY | Actions | Last Checked |
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| Virtual Bank | 3 Year CD | 3.77% ↑ (up from 1.05%) |
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Jan 28 (19 days ago) | |
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| Gulf Coast Bank | 3 Year CD | 3.75% ↓ (down from 4.15%) |
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Oct 30 (18 days ago) | |
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| Goldwater Bank | 3 Year CD | 3.75% ↓ (down from 4.50%) |
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Feb 23 (23 days ago) | |
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| CFG Bank | 3 Year CD | 3.65% ↓ (down from 4.55%) |
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Oct 2 (14 days ago) | |
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| Androscoggin Bank | 3 Year CD | 3.56% ↑ (up from 2.78%) |
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Mar 18 (Today) | |
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| Total Direct Bank | 3 Year CD | 3.56% - (steady @ 3.56%) |
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Feb 19 (27 days ago) | |
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| Vio Bank | 3 Year CD | 3.50% ↑ (up from 0.45%) |
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Jan 28 (19 days ago) | |
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Please Note: We are not a bank or credit union and are not affiliated with any. This information is provided 'as is' and solely for informational purposes, not for specific financial advice.
While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.
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