Total Bank CD Rate - 3 Year
Total Bank's 3 Year CD pays 4.50% APY as of October 20, 2026, checked 3 days ago. Since RateBrain began tracking it in 2023, this 3 Year CD has paid as much as 4.50% (Sep 2026) and as little as 3.56% (May 2023). It is currently above the median 3 Year CD rate we track (3.41% across 119 banks).
4.50% APY
up from 3.76% on Sep 30
- Last checked
- Oct 20 · 3 days ago
- Minimum deposit
- None
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See the full Total Bank 3 Year CD rate history »
Total Bank CD Rate - 3 Year CD - Rate History
Now 4.50% APY
- All-time high 4.50% (Sep 2026)
- Low 3.56% (May 2023)
- 1-year change +0.94
- 3 changes
- Tracked since May 2023
- Full rate history »
The gray line is the median 3 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| September 30, 2026 | 4.50% | +0.74 |
| September 20, 2026 | 3.76% | +0.20 |
| May 10, 2023 | 3.56% | first tracked |
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ShareOther Total Bank rates
- 3 Month CD4.00%
- 6 Month CD4.25%
- 1 Year CD4.45%
- 2 Year CD4.50%
- 5 Year CD4.50%
- Savings4.01%
- Money Market Account4.17%
Other 3 Year CD rates
- Raymond James Bank5.05%
- State Bank of India5.04%
- Quorum Federal Credit Union4.90%
- BTG Pactual US4.85%
- Popular Direct4.85%
- Bread Financial4.60%
Common questions
What is the Total Bank 3 Year CD rate today?
The Total Bank 3 Year CD pays 4.50% APY as of October 20, 2026, checked 3 days ago.
How does the Total Bank 3 Year CD compare with other 3 Year CDs?
It pays 4.50% APY. The median across the 119 3 Year CD rates RateBrain tracks is 3.41%, so it is 1.09 percentage points above the median.
What has the Total Bank 3 Year CD paid over time?
Since RateBrain began tracking it in 2023, it has paid as much as 4.50% (Sep 2026) and as little as 3.56% (May 2023).
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.