Compare Best 3-year CD Rates
Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like certificate of deposits (CDs), savings and money market accounts.GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best 3-year CD rates and display them in the table below for free. Click on our featured bank rates for more information.
| Institution | Term | Rate | APY | Min. To Earn APY | Details |

- 2 Yr.
3 Yr.
4 Yr. - 2.18%
2.52%
2.71% - 2.20%
2.55%
2.75% - $0
$0
$0 -
Competitive rates. No monthly fees. Member FDIC.
-
- Rates as of 11/20/09
- See More Accounts
- FDIC insured

- 2.5 Yr.
3 Yr.
4 Yr. - 2.23%
2.57%
2.71% - 2.25%
2.60%
2.75% - $2,500
$2,500
$2,500 -
Discover Bank offers great rates, security & convenience.
-
- Rates as of 11/20/09
- See More Accounts
- FDIC insured

- 2 Yr.
3 Yr.
5 Yr. - 2.18%
2.47%
3.00% - 2.20%
2.50%
3.05% - $2,500
$2,500
$2,500 -
FDIC insured with no market risk. Open an account online or by phone!
-
- Rates as of 11/20/09
- See More Accounts
- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| DimeDirect.com Rates as of Nov. 20th | 3 year | 2.75% | $500 | ||
| Acacia Federal Savings Bank Online Rates as of Nov. 20th | 3 year | 2.71% | 2.75% | $500 | |
| Dime Savings Bank Rates as of Nov. 20th | 3 year | 2.71% | 2.75% | $500 | |
| National Bank of Kansas City Rates as of Nov. 20th | 3 year | 2.71% | 2.75% | $1 | Personal CD 36 - 47 Month - open online, $5,000 to open |
| Alliance Bank Rates as of Nov. 20th | 3 year | 2.72% | 2.75% | $1,000 | APY for balances up to $9,999 |
| Intervest National Bank Rates as of Nov. 20th | 3 year | 2.65% | 2.68% | $2,500 | |
| First Internet Bank Rates as of Nov. 20th | 3 year | 2.62% | 2.65% | $1,000 | |
| State Bank of India Rates as of Nov. 20th | 3 year | 2.63% | $5,000 | ||
| Discover Bank Rates as of Nov. 20th | 3 year | 2.57% | 2.60% | $2,500 | |
| New Dominion Bank Rates as of Nov. 20th | 3 year | 2.52% | 2.56% | $3,000 | |
| Ally Bank Rates as of Nov. 20th | 3 year | 2.52% | 2.55% | $1 | High-Yield CD |
| Virtual Bank Rates as of Nov. 20th | 3 year | 2.50% | 2.53% | $10,000 | eCD rates for online account only |
| Broadway Federal (CA) Rates as of Nov. 20th | 3 year | 2.50% | 2.53% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| Centennial Bank Rates as of Nov. 20th | 3 year | 2.50% | 2.53% | $10,000 | from CentennialBank.com |
| Imperial Capital Bank Rates as of Nov. 20th | 3 year | 2.48% | 2.51% | $2,000 | iCD |
| E-Loan Rates as of Nov. 20th | 3 year | 2.48% | 2.51% | $10,000 | |
| TriState Capital Bank Rates as of Nov. 20th | 3 year | 2.48% | 2.50% | $100,000 | Jumbo CD |
| Colorado Federal Savings Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $5,000 | Online CD |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $500 | Rate effective 11/23/2009 |
| Fulton Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $500 | Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location |
| AIG Bank Rates as of Nov. 20th | 3 year | 2.47% | 2.50% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| H&R Block Bank Rates as of Nov. 20th | 3 year | 2.48% | 2.50% | $250 | |
| Nationwide Bank Rates as of Nov. 20th | 3 year | 2.45% | $100,000 | ||
| Umbrella Bank Rates as of Nov. 20th | 3 year | 2.42% | 2.45% | $1,000 | |
| Heritage Bank Rates as of Nov. 20th | 3 year | 2.43% | 2.45% | $5,000 | Located in Arizona |
| La Jolla Bank Rates as of Nov. 20th | 3 year | 2.42% | 2.45% | $10,000 | Online account |
| Nationwide Bank Rates as of Nov. 20th | 3 year | 2.40% | $500 | ||
| Stonebridge Bank Rates as of Nov. 20th | 3 year | 2.40% | $500 | ||
| Hyde Park Savings Bank Rates as of Nov. 20th | 3 year | 2.32% | 2.35% | $500 | |
| First Trade Union Bank Rates as of Nov. 20th | 3 year | 2.33% | 2.35% | $500 | |
| Tennessee Commerce Bank Rates as of Nov. 20th | 3 year | 2.28% | 2.30% | $2,500 | |
| Third Federal S&L Rates as of Nov. 20th | 3 year | 2.25% | $500 | ||
| Bank of Internet Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $1,000 | Term 36 to 47 months |
| OneWest Bank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $1,000 | Branch and Call Center CD Rates |
| MetLife Bank Rates as of Nov. 20th | 3 year | 2.25% | $25,000 | ||
| EverBank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $1,500 | Yield Pledge CD |
| Fulton Bank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $500 | Regular CD, rates vary by geographic location |
| OneWest Bank Rates as of Nov. 20th | 3 year | 2.23% | 2.25% | $5,000 | Online CD |
| Greystone Bank Rates as of Nov. 20th | 3 year | 2.20% | $50,000 | ||
| Pacific Mercantile Bank Rates as of Nov. 20th | 3 year | 2.12% | 2.14% | $10,000 | |
| Citizens Bank Rates as of Nov. 20th | 3 year | 2.00% | $1,000 | Circle Gold Banking - relationship CD must have checking and savings for higher rate - contact bank for combined balance requirement. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT. | |
| MetLife Bank Rates as of Nov. 20th | 3 year | 2.00% | $15,000 | ||
| Capital One Direct Banking Rates as of Nov. 20th | 3 year | 1.98% | 2.00% | $100,000 | Jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 3 year | 1.98% | 2.00% | $5,000 | Non-jumbo CD |
| Salem Five Bank Rates as of Nov. 20th | 3 year | 1.98% | 2.00% | $25,000 | 3 Year Callable CD - 6 Month Rate Guarantee |
| Transportation Alliance Bank Rates as of Nov. 20th | 3 year | 1.93% | 1.95% | $1,000 | |
| California First National Bank Rates as of Nov. 20th | 3 year | 1.88% | 1.90% | $5,000 | |
| Valley Community Bank (IL) Rates as of Nov. 20th | 3 year | 1.79% | 1.80% | $1,000 | |
| Citizens Bank Rates as of Nov. 20th | 3 year | 1.75% | $1,000 | Circle Banking - relationship CD must have checking and savings for higher rate - contact bank for combined balance requirement. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT. | |
| ING Direct Rates as of Nov. 20th | 3 year | 1.50% | $1 | ||
| Citizens Bank Rates as of Nov. 20th | 3 year | 1.50% | $1,000 | Standard CD - rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT | |
| Waterfield Bank Rates as of Nov. 20th | 3 year | 1.34% | 1.35% | $1,000 | |
| Advanta Bank Corp Rates as of Nov. 20th | 3 year | 1.34% | 1.35% | $2,500 | If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500. |
| 1st Source Bank Rates as of Nov. 20th | 3 year | 1.35% | $500 | Online Banking | |
| Zions Bank Rates as of Nov. 20th | 3 year | 1.20% | 1.21% | $1,000 | Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. |


