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. - 2.00%
2.41%
2.65% - 2.02%
2.44%
2.69% - $0
$0
$0 -
Competitive rates. No monthly fees. Member FDIC.
-
- Rates as of 03/12/10
- See More Accounts
- FDIC insured
- 2.5 Yr.
3 Yr.
4 Yr. - 2.18%
2.37%
2.52% - 2.20%
2.40%
2.55% - $2,500
$2,500
$2,500 -
Discover Bank offers great rates, security & convenience.
-
- Rates as of 03/12/10
- See More Accounts
- FDIC insured
- 2 Yr.
3 Yr.
5 Yr. - 1.99%
2.38%
3.00% - 2.01%
2.41%
3.05% - $2,500
$2,500
$2,500 -
FDIC insured with no market risk. Open an account online or by phone!
-
- Rates as of 03/12/10
- See More Accounts
- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Bank United Rates as of Mar. 12th | 3 year | 2.71% | 2.75% | $5,000 | CD Special |
| Alliance Bank Rates as of Mar. 12th | 3 year | 2.72% | 2.75% | $1,000 | APY for balances up to $9,999 |
| Atlantic Coast Bank Rates as of Mar. 12th | 3 year | 2.62% | 2.65% | $1,000 | iCertificate of Deposit |
| Acacia Federal Savings Bank Online Rates as of Mar. 12th | 3 year | 2.62% | 2.65% | $500 | |
| Hudson City Rates as of Mar. 12th | 3 year | 2.58% | 2.65% | $500 | Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT. |
| Broadway Federal (CA) Rates as of Mar. 12th | 3 year | 2.50% | 2.53% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| State Bank of India Rates as of Mar. 12th | 3 year | 2.52% | $5,000 | ||
| New Dominion Bank Rates as of Mar. 12th | 3 year | 2.47% | 2.51% | $3,000 | Fixed Rate CD |
| Acacia Federal Savings Bank Rates as of Mar. 12th | 3 year | 2.47% | 2.50% | $500 | Rates effective 03/15/2010 |
| Golf Savings Bank Rates as of Mar. 12th | 3 year | 2.47% | 2.50% | $10,000 | Rate for balances up to $90,000 |
| Stonebridge Bank Rates as of Mar. 12th | 3 year | 2.50% | $500 | ||
| TriState Capital Bank Rates as of Mar. 12th | 3 year | 2.48% | 2.50% | $100,000 | Jumbo CD |
| Salem Five Bank Rates as of Mar. 12th | 3 year | 2.50% | $10,000 | 36 Month Relationship CD - Gold Star Checking Account Required | |
| National Bank of Kansas City Rates as of Mar. 12th | 3 year | 2.42% | 2.45% | $1 | Personal CD 36 - 47 Month - open online, $5,000 to open |
| Nationwide Bank Rates as of Mar. 12th | 3 year | 2.45% | $100,000 | ||
| AmTrust Direct Rates as of Mar. 12th | 3 year | 2.42% | 2.45% | $1,000 | |
| Ally Bank Rates as of Mar. 12th | 3 year | 2.41% | 2.44% | $1 | High-Yield CD |
| AIG Bank Rates as of Mar. 12th | 3 year | 2.38% | 2.41% | $2,500 | High Yield CD - FDIC insured with no market risk. Open an account online or by phone! |
| Tennessee Commerce Bank Rates as of Mar. 12th | 3 year | 2.37% | 2.40% | $2,500 | |
| Fulton Bank Rates as of Mar. 12th | 3 year | 2.37% | 2.40% | $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 |
| The Jacksonville Bank Rates as of Mar. 12th | 3 year | 2.37% | 2.40% | $1,000 | Rates and terms specific to accounts opened online |
| Discover Bank Rates as of Mar. 12th | 3 year | 2.37% | 2.40% | $2,500 | |
| Nationwide Bank Rates as of Mar. 12th | 3 year | 2.40% | $500 | ||
| Aurora Bank FSB Rates as of Mar. 12th | 3 year | 2.35% | 2.38% | $1,000 | Rates effective on balances up to $4,999 |
| NOVA Bank Rates as of Mar. 12th | 3 year | 2.32% | 2.35% | $500 | Fixed Rate |
| Goldwater Bank Rates as of Mar. 12th | 3 year | 2.34% | 2.35% | $50,000 | |
| Equity Bank Rates as of Mar. 12th | 3 year | 2.33% | 2.35% | $1,000 | |
| Valley Community Bank (IL) Rates as of Mar. 12th | 3 year | 2.33% | 2.35% | $1,000 | |
| Intervest National Bank Rates as of Mar. 12th | 3 year | 2.32% | 2.34% | $2,500 | |
| Heritage Bank Rates as of Mar. 12th | 3 year | 2.31% | 2.33% | $5,000 | Located in Arizona |
| Silvergate Bank Rates as of Mar. 12th | 3 year | 2.30% | 2.32% | $2,500 | Rate for balances up to $99,999 |
| OneWest Bank Rates as of Mar. 12th | 3 year | 2.27% | 2.30% | $5,000 | Online CD |
| Colorado Federal Savings Bank Rates as of Mar. 12th | 3 year | 2.27% | 2.30% | $5,000 | Online CD |
| OneWest Bank Rates as of Mar. 12th | 3 year | 2.27% | 2.30% | $1,000 | Branch and Call Center CD Rates |
| Wedbush Bank Rates as of Mar. 12th | 3 year | 2.25% | 2.27% | $2,500 | 36-47 month term. $24,999 maximum deposit |
| Third Federal S&L Rates as of Mar. 12th | 3 year | 2.25% | $500 | ||
| Dime Savings Bank Rates as of Mar. 12th | 3 year | 2.23% | 2.25% | $500 | |
| DimeDirect.com Rates as of Mar. 12th | 3 year | 2.25% | $500 | ||
| Hillcrest Bank Rates as of Mar. 12th | 3 year | 2.20% | 2.20% | $1,000 | |
| Bank of Internet Rates as of Mar. 12th | 3 year | 2.14% | 2.16% | $1,000 | Term 36 to 47 months |
| Hyde Park Savings Bank Rates as of Mar. 12th | 3 year | 2.13% | 2.15% | $500 | |
| Fulton Bank Rates as of Mar. 12th | 3 year | 2.13% | 2.15% | $500 | Regular CD, rates vary by geographic location |
| First Internet Bank Rates as of Mar. 12th | 3 year | 2.13% | 2.15% | $1,000 | |
| American Bank Online Rates as of Mar. 12th | 3 year | 2.08% | 2.10% | $500 | |
| Centennial Bank Rates as of Mar. 12th | 3 year | 2.05% | 2.07% | $10,000 | from CentennialBank.com |
| Sterling Bank Rates as of Mar. 12th | 3 year | 2.03% | 2.05% | $500 | Standard 3 Yr CD (www.sterlingnj.com) |
| Virtual Bank Rates as of Mar. 12th | 3 year | 2.00% | 2.02% | $10,000 | eCD rates for online account only |
| Citizens Bank Rates as of Mar. 12th | 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. | |
| H&R Block Bank Rates as of Mar. 12th | 3 year | 1.98% | 2.00% | $250 | |
| Salem Five Bank Rates as of Mar. 12th | 3 year | 1.98% | 2.00% | $25,000 | 3 Year Callable CD - 6 Month Rate Guarantee |
| First Trade Union Bank Rates as of Mar. 12th | 3 year | 1.98% | 2.00% | $500 | |
| EverBank Rates as of Mar. 12th | 3 year | 1.97% | 1.99% | $1,500 | Yield Pledge CD |
| Transportation Alliance Bank Rates as of Mar. 12th | 3 year | 1.93% | 1.95% | $1,000 | |
| Capital One Direct Banking Rates as of Mar. 12th | 3 year | 1.88% | 1.90% | $5,000 | Non-jumbo CD |
| California First National Bank Rates as of Mar. 12th | 3 year | 1.88% | 1.90% | $5,000 | |
| Capital One Direct Banking Rates as of Mar. 12th | 3 year | 1.88% | 1.90% | $100,000 | Jumbo CD |
| MetLife Bank Rates as of Mar. 12th | 3 year | 1.90% | $25,000 | ||
| Pacific Mercantile Bank Rates as of Mar. 12th | 3 year | 1.77% | 1.79% | $10,000 | |
| E-Loan Rates as of Mar. 12th | 3 year | 1.74% | 1.75% | $10,000 | |
| MetLife Bank Rates as of Mar. 12th | 3 year | 1.75% | $15,000 | ||
| Citizens Bank Rates as of Mar. 12th | 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. | |
| Allied First Bank Rates as of Mar. 12th | 3 year | 1.74% | 1.75% | $500 | |
| Allstate Bank Rates as of Mar. 12th | 3 year | 1.69% | 1.70% | $1,000 | Accounts can be opened with an Allstate agent or by online application |
| Citizens Bank Rates as of Mar. 12th | 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 | |
| Advanta Bank Corp Rates as of Mar. 12th | 3 year | 1.49% | 1.50% | $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. |
| Greystone Bank Rates as of Mar. 12th | 3 year | 1.49% | $50,000 | ||
| Zions Bank Rates as of Mar. 12th | 3 year | 1.35% | 1.36% | $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. |
| ING Direct Rates as of Mar. 12th | 3 year | 1.25% | $1 | Orange CD | |
| 1st Source Bank Rates as of Mar. 12th | 3 year | 1.20% | $500 | Online Banking |
