Best 3 Year CD Rates in 2026

Name: Best 3 Year CD Rates in 2026
Creator: RateBrain

In 2026, the median 3 Year CD rate RateBrain tracked was 3.45% across 123 products. The highest was 5.10% APY from Raymond James Bank. That median was down from 3.58% in 2025.

« 2025 All years

Every 3 Year CD rate we tracked in 2026

Bank	High	Year end
Raymond James Bank	5.10%	5.05%
State Bank of India	5.04%	5.04%
Merrick Bank	4.90%	4.90%
Quorum Federal Credit Union	4.90%	4.90%
BTG Pactual US	4.85%	4.85%
Popular Direct	4.85%	4.85%
CFG Bank	4.82%	4.82%
NASA Federal Credit Union	4.70%	4.70%
Synchrony Bank	4.65%	4.65%
Bread Financial	4.60%	4.60%
Sallie Mae	4.60%	4.60%
SmartyPig	4.60%	4.60%
E*TRADE Bank	4.80%	4.55%
Accordia Bank	4.50%	4.50%
Barclays Bank	4.50%	4.50%
First National Bank of America	4.50%	4.50%
KS StateBank	4.50%	4.50%
Total Bank	4.50%	4.50%
Availa Bank	4.40%	4.40%
Langley Federal Credit Union	4.40%	4.40%
Marcus	4.40%	4.40%
Prime Alliance Bank	4.40%	4.40%
Sun Canyon Bank	4.40%	4.40%
Leader Bank	4.35%	4.35%
Ally Bank	4.25%	4.25%
Finworth	4.25%	4.25%
Hanscom Federal Credit Union	4.25%	4.25%
Nelnet Bank	4.25%	4.25%
Skyla Credit Union	4.25%	4.25%
TAB Bank	4.25%	4.20%
Self Help Credit Union	4.18%	4.18%
Colorado Federal Savings Bank	4.40%	4.15%
Navy Federal Credit Union	4.10%	4.10%
RBC Bank	4.10%	4.10%
Genisys Credit Union	4.08%	4.08%
All In Credit Union	4.07%	4.07%
Andrews Federal Credit Union	4.00%	4.00%
First Internet Bank	4.00%	4.00%
Signature Federal Credit Union	3.99%	3.99%
USALLIANCE Financial	3.95%	3.95%
Bank of Utah	3.90%	3.90%
InTouch Credit Union	3.85%	3.85%
Latino Community Credit Union	3.85%	3.85%
Newtek Bank	4.50%	3.80%
Apple Federal Credit Union	4.00%	3.75%
EagleBank	3.75%	3.75%
Lafayette Federal Credit Union	3.66%	3.66%
Riverland Credit Union	4.00%	3.65%
Alliant Credit Union	3.60%	3.60%
Northpointe Bank	3.60%	3.60%
Space Coast Credit Union	3.55%	3.55%
American State Bank	3.54%	3.54%
Academy Bank	3.51%	3.51%
Capital One	3.50%	3.50%
Capital One 360	4.00%	3.50%
CFBank	3.50%	3.50%
Discover Bank	3.60%	3.50%
Southeast Financial CU	3.50%	3.50%
ValorFI Heroes	3.50%	3.50%
Vio Bank	3.50%	3.50%
BAC Florida	3.98%	3.45%
Quaint Oak Bank	4.00%	3.45%
Virtual Bank	3.77%	3.41%
EverBank	3.40%	3.40%
PenFed Credit Union	4.30%	3.40%
Ridgewood Savings Bank	3.30%	3.30%
Connexus Credit Union	3.25%	3.25%
Digital Federal Credit Union	3.25%	3.25%
First Tech Federal Credit Union	3.25%	3.25%
Forbright Bank	3.25%	3.25%
Ponce Bank	3.25%	3.25%
WECU	3.25%	3.25%
Justice Federal Credit Union	3.21%	3.21%
Provident Credit Union	3.20%	3.20%
Truliant Federal Credit Union	3.19%	3.19%
Carver Federal Savings Bank	3.17%	3.17%
BMO Alto	4.50%	3.15%
First Bank of the Lake	3.15%	3.15%
Peak Bank	3.14%	3.14%
Delta Community Credit Union	3.10%	3.10%
Able Banking	3.50%	3.00%
Abound Credit Union	3.25%	3.00%
Goldwater Bank	3.75%	3.00%
TFCU	3.00%	3.00%
United Republic Bank	3.00%	3.00%
HOPE Credit Union	2.96%	2.96%
Amalgamated Bank	2.95%	2.95%
Merchants Bank of Indiana	3.48%	2.95%
Global Credit Union	2.90%	2.90%
Quontic Bank	3.25%	2.85%
City First Bank	2.75%	2.75%
First Mid Bank & Trust	2.75%	2.75%
Ivy Bank	3.25%	2.75%
Nat'l Bank of Kansas City	3.25%	2.75%
UNCLE Credit Union	2.64%	2.64%
Rising Bank	2.55%	2.55%
GiantBank	2.53%	2.53%
Atlantic Union Bank	2.50%	2.50%
Dollar Savings Direct	2.50%	2.50%
HAB Bank	2.50%	2.50%
Service Credit Union	2.35%	2.35%
American Express	3.00%	2.25%
Elements Financial	2.25%	2.25%
Mountain One Bank	2.25%	2.25%
Sharonview Federal Credit Union	2.25%	2.25%
Androscoggin Bank	3.56%	2.00%
Chase Bank	2.00%	2.00%
Citibank	2.00%	2.00%
Live Oak Bank	2.00%	2.00%
Salem Five	2.00%	2.00%
Harborstone Credit Union	1.89%	1.89%
Davis Trust Company	2.88%	1.41%
USAA	2.75%	1.30%
FourLeaf Federal Credit Union	1.25%	1.25%
First Command Bank	1.10%	0.95%
Bank5 Connect	0.85%	0.85%
OMB Bank	0.70%	0.70%
Provident NJ	0.50%	0.50%
CIT Bank	0.40%	0.40%
MidFirst Direct	0.30%	0.30%
OceanFirst Bank	0.20%	0.20%
US Bank	0.10%	0.10%
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.