Best 3 Year CD rates of November 2026 (Up to 5.04%)

As of November 2, 2026, the highest 3 Year CD rate RateBrain tracks is 5.04% APY from State Bank of India, checked 3 days ago.

The median across the 121 3 Year CD rates RateBrain tracks is 3.41% APY.

At 5.04% APY, $10,000 earns about $1,589 over the 3 year term, held to maturity.

The APY for a $10,000 deposit, as published by the bank or credit union on its own website.

RateBrain reads each bank's and credit union's own rate pages on a rolling schedule and records every rate it finds. A rate not confirmed in 30 days is left off this list until it is checked again.