Best 3 Year CD Rates in 2025

Name: Best 3 Year CD Rates in 2025
Creator: RateBrain

In 2025, the median 3 Year CD rate RateBrain tracked was 3.58% across 42 products. The highest was 5.60% APY from Valley Direct. That median was up from 3.56% in 2024.

« 2024 All years 2026 »

Every 3 Year CD rate we tracked in 2025

Bank	High	Year end
Valley Direct	5.60%	5.60%
Popular Direct	4.55%	4.55%
BMO Alto	4.50%	4.50%
Newtek Bank	4.50%	4.50%
Colorado Federal Savings Bank	4.40%	4.40%
PenFed Credit Union	4.30%	4.30%
TAB Bank	4.25%	4.25%
Self Help Credit Union	4.08%	4.08%
Apple Federal Credit Union	4.00%	4.00%
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%
BAC Florida	3.98%	3.98%
Virtual Bank	3.77%	3.77%
Goldwater Bank	4.50%	3.75%
CFG Bank	3.65%	3.65%
Discover Bank	3.60%	3.60%
Synchrony Bank	4.00%	3.60%
Androscoggin Bank	3.56%	3.56%
Total Bank	3.56%	3.56%
Able Banking	3.50%	3.50%
Ally Bank	3.50%	3.50%
Barclays Bank	3.50%	3.50%
Vio 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%
USAA	2.75%	2.75%
Mountain One Bank	1.75%	1.75%
First Command Bank	1.10%	1.10%
CIT Bank	0.40%	0.40%
MidFirst Direct	0.30%	0.30%
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.