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.
  • 1.76%
    2.12%
    2.31%
  • 1.78%
    2.14%
    2.34%
  • $0
    $0
    $0
    • Get our best rate with the Ally Ten Day Best Rate Guarantee.


  • 2 Yr.
    3 Yr.
    5 Yr.
  • 1.69%
    2.03%
    2.62%
  • 1.70%
    2.05%
    2.65%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


TermRateAPYMin. To Earn APYDetails
3 year2.97%3.00%$500Membership is open to employeess and students of school districts in the Michigan counties of Wayne and Monroe, as well as select businesses, family members and retirees. See site for details.
3 year2.57%2.60%$500Relationship 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. Rate collected within 10025
3 year2.40%$500Membership is available, but not limited to select employer groups or those who live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria.
3 year2.32%2.35%$500Regular CD, rates vary by geographic location. Rate collected within 10025
3 year2.29%2.31%$500
3 year2.27%2.30%$1,000
3 year2.27%2.30%$3,000Fixed Rate CD
3 year2.28%2.30%$1,000
3 year2.25%2.27%$5,000Share Certificate - contact Melrose CU for opening paperwork
3 year2.25%2.26%$500Account must be opened in person in Effingham, IL
3 year2.23%2.25%$500Fixed Rate
3 year2.23%2.25%$1,000Renewable CD
3 year2.25%$100,000
3 year2.23%2.25%$500
3 year2.23%2.25%$1,0003 Year Standard CD Tier $1,000 - $94,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details.
3 year2.23%2.25%$500Rates effective 08/30/2010
3 year2.23%2.25%$1,000
3 year2.23%2.25%$1,000Eureka serves customers in the metropolitan New Orleans, Louisiana area
3 year2.20%2.22%$1,000
3 year2.20%2.22%$1,000
3 year2.18%2.20%$5,000Located in Arizona
3 year2.18%2.20%$1,000
3 year2.20%$500
3 year2.16%2.18%$1,000Term 36 to 47 months
3 year2.13%2.15%$100,000Jumbo CD
3 year2.13%2.15%$100
3 year2.13%2.15%$5,000Online CD
3 year2.13%2.15%$1,00036 month CD
3 year2.12%2.14%$1High-Yield CD
3 year2.10%2.11%$2,500
3 year2.09%2.11%$1,000Located in Bristow, OK
3 year2.98%2.10%$2,500
3 year2.08%2.10%$2,500
3 year2.05%2.10%$1,000Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
3 year2.08%2.10%$500
3 year2.06%2.08%$1,000Rates effective on balances up to $4,999
3 year2.05%2.07%$10,000eCD rates for online account only
3 year2.06%2.07%$5,000CD Special
3 year2.05%2.06%$50,000
3 year2.03%2.05%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
3 year2.05%2.05%$1,000
3 year2.03%2.05%$500Central New York market area only
3 year2.03%2.05%$1,000
3 year2.00%2.02%$500Membership is limited to employees of the Air Transportation Industry, as well as those who live or work in select counties of the Minneapolis/St. Paul, MN, metro area
3 year2.00%2.02%$2,500Rate for balances up to $99,999
3 year2.00%2.02%$2,500Limited to local Nebraska market area
3 year2.00%2.02%$1,000
3 year1.98%2.00%$1Personal CD 36 - 47 Month - open online, $5,000 to open
3 year1.98%2.00%$25,0003 Year Callable CD - 6 Month Rate Guarantee
3 year1.98%2.00%$250
3 year2.00%$1,00036 Month CD Special - Ohio market area - Open at branch
3 year2.00%2.00%$500
3 year1.99%2.00%$1,00036 - 47 month CD
3 year1.99%2.00%$500
3 year1.98%2.00%$300
3 year2.00%2.00%$1,000Collected within Oklahoma
3 year1.98%2.00%$500
3 year1.99%2.00%$1,000
3 year1.98%2.00%$1,00036 month CD
3 year1.98%2.00%$500
3 year1.98%2.00%$1,00036 Month CD Tier $1,000 - $9,999 - Located in New York
3 year1.98%2.00%$500
3 year2.17%2.00%$10,00036 Month Relationship CD - Gold Star Checking Account Required
3 year2.00%$1,000Money Market CD-membership is open to U.S. military
3 year1.94%$50036 - 47 Month CD - Rate collected within: 49201 (MI)
3 year1.90%1.92%$500Rate effective for balances up to $10,000 - tiered rates apply
3 year1.90%1.91%$2,50036 month CD
3 year1.89%1.91%$1,000
3 year1.88%1.90%$5,000
3 year1.88%1.90%$1,00036 month CD - tier $1,000
3 year1.89%1.90%$250Located in MN
3 year1.90%1.90%$1,000Regular CD - Rate collected within: Fargo ND
3 year1.90%$25,000APY for balances up to $49,999
3 year1.89%1.90%$1,000
3 year1.85%1.86%$500Enter a new noteRate effective for balances up to $9,999.99 - tiered rates apply
3 year1.83%1.85%$500
3 year1.84%1.85%$1,000iCertificate of Deposit
3 year1.80%1.81%$500
3 year1.79%1.80%$1,000
3 year1.78%1.80%$1,000
3 year1.79%1.80%$1,000
3 year1.75%1.76%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account. Located in CA.
3 year1.76%$5,000
3 year1.71%1.75%$500Rate collected within: NY
3 year1.73%1.75%$50036 Month CD
3 year1.75%$15,000APY for balances up to $24,999
3 year1.74%1.75%$1,000Located in Tennessee
3 year1.74%1.75%$1,000Online CD
3 year1.74%1.75%$500
3 year1.75%$500
3 year1.75%$5003 Year CD - Rate collected within: 60625 (IL)
3 year1.74%1.75%$500Available in Rhode Island and Massachusetts
3 year1.75%1.75%$1,000
3 year1.75%$500
3 year1.74%1.75%$10,000
3 year1.74%1.75%$1,000Rates and terms specific to accounts opened online
3 year1.73%1.75%$1,000
3 year1.75%$500Membership limited to those working in healthcare fields in the Saginaw, MI area, see website for details.
3 year1.74%1.75%$50036-47 month CD
3 year1.74%1.75%$1,000Branch and Call Center CD Rates/Southern CA residents only
3 year1.73%1.75%$1,000
3 year1.69%1.70%$1,00036 - 47 Month CD
3 year1.70%$1,00036-47 month CD
3 year1.65%1.66%$50036 Month Special CD - Located in Vermont
3 year1.65%1.66%$1,00036 Month CD Tier $1,000 - $9,999 - Apply online or at branch
3 year1.65%1.65%$500
3 year1.64%1.65%$1,000
3 year1.60%1.62%$1,000
3 year1.59%1.60%$1,500Yield Pledge CD
3 year1.59%1.60%$1,000
3 year1.55%1.56%$2,50036-47 month term. $24,999 maximum deposit
3 year1.55%1.56%$500
3 year1.54%1.55%$500
3 year1.55%$500
3 year1.50%1.53%$1,00036 month CD - tier $1,000 to $4,999
3 year1.50%1.51%$10,000from CentennialBank.com
3 year1.50%1.51%$1,000
3 year1.50%1.51%$1,000
3 year1.50%$2,000APY for balances up to $14,999
3 year1.49%1.50%$500Regular CD - Limited to New York market area
3 year1.49%1.50%$1,00036-47 Month CD - Accounts under $100,000 - Rate collected within Chicago, IL
3 year1.49%1.50%$50036 - 47 Month Fixed Rate CD Tier $500 - $49,999
3 year1.49%1.50%$5,000CD Special, must open in person at branch.
3 year1.50%1.50%$1,000
3 year1.49%1.50%$1,0003 Year CD Tier $1,000 - $2,499
3 year1.47%1.48%$10,000
3 year1.47%1.48%$50036 Month CD - Less than $100,000 - Rate collected within: 94115 (CA)
3 year1.47%1.48%$50036 Month CD - Less than $100,000 - Rate collected within: 60625 (IL)
3 year1.47%1.48%$50036 Month CD - Less than$100,000 - Rate collected within: 10025 (NY)
3 year1.45%$1,000Time Deposit Tier $1,000 - $9,999 - Receive an added .25% to the quoted APY when you open a checking account with direct deposit, bonus also available to existing direct deposit checking customers - Located in CA
3 year1.45%$500Online Banking
3 year1.39%1.40%$1,00036 - 47 Month CD - Accounts under $100,000 - Rate collected within Philadelphia, PA
3 year1.37%1.38%$1,000
3 year1.35%1.36%$1,000Rate effective for balances up to $99,999.99 - tiered rates apply thereafter.
3 year1.35%1.36%$1,00036 Month CD Tier $1,000 - $4,999
3 year1.34%1.35%$1,000Located in Massachusetts
3 year1.35%$0APY for balances up to $999
3 year1.35%$500Rate collected within Whatcom County
3 year1.29%1.30%$1,000Regular CD - Under $100,000
3 year1.29%1.30%$1,000Accounts can be opened with an Allstate agent or by online application
3 year1.26%$1,000
3 year1.25%1.26%$500For deposits of less than $5,000.00, interest is paid quarterly. For deposits of $5,000.00 or more, interest is paid at maturity
3 year1.24%1.25%$1,000Regular CD - Can open Online - Bank Located in PA
3 year1.24%1.25%$500
3 year1.25%$1,000Select Promo 36 Month CD - Open with new money - Requires M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY)
3 year1.24%1.25%$500
3 year1.24%1.25%$50036 - 47 Month CD - Rate collected within: 63102 (MO)
3 year1.24%1.25%$35036 - 47 Month CD, Tier $350 - $999
3 year1.25%$1Orange CD
3 year1.25%$1,00036 month CD
3 year1.24%1.25%$1,00036 Month CD with Bump Up Option
3 year1.19%1.20%$500Rate collected within Jacksonville, FL
3 year1.19%1.20%$50036 Month CD - Rate collected within Birmingham, AL
3 year1.19%1.20%$50036-47 month CD - tier $500 to $9,999
3 year1.19%1.20%$500Month CD - Rate collected within Northern CA
3 year1.19%1.20%$50036 Month CD - Rate collected within: Northern CA
3 year1.14%1.15%$5003 Year CD Tier Below $10,000 - Online account only
3 year1.13%1.15%$50036 Month Base CD - Higher rates available for checking customers
3 year1.15%1.15%$500
3 year1.10%1.11%$1,000Standard 36-47 Month CD - Tier Less than $10,000 - Rate collected within: IL
3 year1.10%1.11%$1,000Standard 36-47 Month CD - Tier Less than $10,000 - Rate collected within: NY
3 year1.09%1.10%$100,000Jumbo CD - Rate collected within: 60625 (IL)
3 year1.09%1.10%$5,000Non-jumbo CD - Rate collected within: 60625 (IL)
3 year1.09%1.10%$100,000Jumbo CD - Rate collected within: 10025 (NY)
3 year1.09%1.10%$100,000Jumbo CD - Rate collected within: 94115 (CA)
3 year1.09%1.10%$5,000Non-jumbo CD - Rate collected within: 10025 (NY)
3 year1.09%1.10%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
3 year1.09%1.10%$1,000Standard 3 Year to 47 Month CD - Rate collected within: CA
3 year1.08%$250Step Rate 3 Year CD - Rate increases over time - Rate collected within: New York NY
3 year1.07%1.08%$1,000
3 year1.08%$250Step Rate 3 Year CD - Rate increases over time - Rate collected within: Washington DC
3 year1.08%$250Step Rate 3 Year CD - Rate increases over time - Rate collected within: Florida (FL)
3 year1.05%1.05%$1,000Rate collected within: IL
3 year1.05%1.05%$1,00036 Month Fixed Rate CD Only - Rate collected within: 10025 (NY)
3 year1.05%$500Tiered rates - Stated rate applies to balances $500 - $9,999
3 year1.00%$1,0003 year Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
3 year1.00%$1,000Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
3 year1.00%$1,000With Premier Checking - special bonus rate is for First Tennessee checking customers - open in branch - minimum opening deposit varies by market and term
3 year1.00%1.00%$1,00036 Month CD
3 year0.95%0.95%$50,000
3 year0.95%0.95%$1,0003 Year CD - Less than $100,000
3 year0.95%0.95%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
3 year0.90%0.90%$036 - 48 Month Standard CD - Tier Less than $5,000 - Rate collected within: 60625 (IL)
3 year0.90%$1,0003 year Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 60625 (IL)
3 year0.90%$1,000Standard CD - Rate collected within: 02144 (MA)
3 year0.90%$1,000Standard CD - Rate collected within: 19140 (PA)
3 year0.90%$1,0003 year Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 10025 (NY)
3 year0.90%$1,000Standard CD - Market area NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT - Rate collected within: 10025 (NY)
3 year0.85%0.85%$1,0003 Year CD Tier - Up to $9,999 - Rate collected within: 94115 (CA)
3 year0.85%0.85%$1,0003 Year CD Tier - Up to $9,999 - Rate collected within: 60625 (IL)
3 year0.85%0.85%$1,0003 Year CD Tier - Up to $9,999 - Rate collected within 10025 (NY)
3 year0.79%0.80%$1,00036 Month CD - Rate collected within: 60625 (IL)
3 year0.79%0.80%$1,00036 Month CD - Rate collected within: 10025 (NY)
3 year0.79%0.80%$1,00036 Month CD - Rate collected within: 94115 (CA)
3 year0.75%0.75%$1,00036 Month CD Tier $1,000 - $9,999 - Rate collected within: 43215 (OH)
3 year0.75%0.75%$1,00036 - 47 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 (IL)
3 year0.75%$10Online only
3 year0.75%0.75%$1,00036 - 47 Month Standard CD - Non Relationship Rate - Rate collected within: 10025 (NY)
3 year0.75%0.75%$1,00036 - 47 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA)
3 year0.70%$1,000Regular 36 Month CD - Open online
3 year0.55%0.55%$1,000Regular CD
3 year0.50%0.50%$2,50036 Month CD Tier $2,500 - $9,999 - Without Relationship - Rate collected within: 10025 (NY)
3 year0.40%0.40%$1,000Regular CD - Located in MA