Best 3 Year CD Rates in 2026
In 2026, the median 3 Year CD rate RateBrain tracked was 3.50% across 31 products. The highest was 4.58% APY from State Bank of India. That median was down from 3.53% in 2025.
Every 3 Year CD rate we tracked in 2026
| Bank | High | Year end |
|---|---|---|
| State Bank of India | 4.58% | 4.58% |
| Bread Financial | 4.40% | 4.40% |
| Sallie Mae | 4.40% | 4.40% |
| Marcus | 4.35% | 4.35% |
| CFG Bank | 4.30% | 4.30% |
| Synchrony Bank | 4.30% | 4.10% |
| Colorado Federal Savings Bank | 4.40% | 4.05% |
| Newtek Bank | 4.50% | 3.80% |
| Total Direct Bank | 3.76% | 3.76% |
| EagleBank | 3.75% | 3.75% |
| BAC Florida | 3.98% | 3.73% |
| Riverland Credit Union | 4.00% | 3.65% |
| Ally Bank | 3.60% | 3.60% |
| Capital One | 3.50% | 3.50% |
| Capital One 360 | 4.00% | 3.50% |
| Discover Bank | 3.60% | 3.50% |
| Quaint Oak Bank | 4.00% | 3.45% |
| EverBank | 3.40% | 3.40% |
| Academy Bank | 3.03% | 3.03% |
| Able Banking | 3.50% | 3.00% |
| Abound Credit Union | 3.25% | 3.00% |
| TFCU | 3.00% | 3.00% |
| Merchants Bank of Indiana | 3.48% | 2.95% |
| Quontic Bank | 3.25% | 2.85% |
| BMO Alto | 4.50% | 2.80% |
| Ivy Bank | 3.25% | 2.75% |
| American Express | 3.00% | 2.25% |
| Mountain One Bank | 2.25% | 2.25% |
| First Command Bank | 1.10% | 0.95% |
| Bank5 Connect | 0.85% | 0.85% |
| CIT Bank | 0.40% | 0.40% |
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.