Best 3 Year CD Rates in 2025
In 2025, the median 3 Year CD rate RateBrain tracked was 3.53% across 30 products. The highest was 5.60% APY from Valley Direct. That median was down from 3.56% in 2024.
Every 3 Year CD rate we tracked in 2025
| Bank | High | Year end |
|---|---|---|
| Valley Direct | 5.60% | 5.60% |
| BMO Alto | 4.50% | 4.50% |
| Newtek Bank | 4.50% | 4.50% |
| Colorado Federal Savings Bank | 4.40% | 4.40% |
| Bread Financial | 4.40% | 4.00% |
| Capital One 360 | 4.00% | 4.00% |
| Marcus | 4.40% | 4.00% |
| Quaint Oak Bank | 4.00% | 4.00% |
| Riverland Credit Union | 4.00% | 4.00% |
| Sallie Mae | 4.00% | 4.00% |
| Goldwater Bank | 4.50% | 3.75% |
| CFG Bank | 3.65% | 3.65% |
| Discover Bank | 3.60% | 3.60% |
| Synchrony Bank | 4.00% | 3.60% |
| Total Direct Bank | 3.56% | 3.56% |
| Able Banking | 3.50% | 3.50% |
| Ally Bank | 3.50% | 3.50% |
| Merchants Bank of Indiana | 3.48% | 3.48% |
| EverBank | 3.50% | 3.40% |
| Abound Credit Union | 3.25% | 3.25% |
| Ivy Bank | 3.25% | 3.25% |
| Nat'l Bank of Kansas City | 3.25% | 3.25% |
| Quontic Bank | 4.40% | 3.25% |
| Academy Bank | 3.03% | 3.03% |
| American Express | 3.00% | 3.00% |
| TFCU | 3.00% | 3.00% |
| Mountain One Bank | 1.75% | 1.75% |
| First Command Bank | 1.10% | 1.10% |
| CIT Bank | 0.40% | 0.40% |
| Bank of America | 0.03% | 0.03% |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above 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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.