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


  • 2.5 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.


  • 2 Yr.
    3 Yr.
    5 Yr.
  • 2.23%
    2.52%
    3.05%
  • 2.25%
    2.55%
    3.10%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


TermRateAPYMin. To Earn APYDetails
3 year2.71%2.75%$500
3 year2.75%$500
3 year2.75%$500
3 year2.72%2.75%$1,000APY for balances up to $9,999
3 year2.67%2.71%$3,000
3 year2.65%2.68%$2,500
3 year2.62%2.65%$1,000
3 year2.63%$5,000
3 year2.57%2.60%$500
3 year2.57%2.60%$2,500
3 year2.52%2.55%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
3 year2.52%2.55%$1High-Yield CD
3 year2.50%2.53%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
3 year2.50%2.53%$10,000from CentennialBank.com
3 year2.50%2.53%$10,000eCD rates for online account only
3 year2.49%2.52%$2,000iCD
3 year2.48%2.51%$10,000
3 year2.47%2.50%$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
3 year2.48%2.50%$250
3 year2.48%2.50%$100,000Jumbo CD
3 year2.47%2.50%$1,000
3 year2.47%2.49%$5,000Located in Arizona
3 year2.45%$100,000
3 year2.42%2.45%$10,000Online account
3 year2.40%$500
3 year2.40%$500
3 year2.33%2.35%$500
3 year2.32%2.35%$500
3 year2.28%2.30%$2,500
3 year2.23%2.25%$5,000Online Fixed Rate CD
3 year2.25%$25,000
3 year2.23%2.25%$1,000Term 36 to 47 months
3 year2.25%$500
3 year2.23%2.25%$1,000Custom Term CD - Branch Rate
3 year2.23%2.25%$500Regular CD, rates vary by geographic location
3 year2.23%2.25%$1,500Yield Pledge CD
3 year2.12%2.14%$10,000
3 year1.98%2.00%$5,000Non-jumbo CD
3 year1.98%2.00%$25,0003 Year Callable CD - 6 Month Rate Guarantee
3 year1.98%2.00%$100,000Jumbo CD
3 year2.00%$50,000
3 year2.00%$15,000
3 year1.93%1.95%$1,000
3 year1.88%1.90%$5,000
3 year1.85%$1,000Circle 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.
3 year1.79%1.80%$1,000
3 year1.60%$1,000Circle 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.
3 year1.50%$1
3 year1.34%1.35%$1,000
3 year1.35%$1,000Standard CD - rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT
3 year1.34%1.35%$2,500If 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.
3 year1.35%$500Online Banking
3 year1.20%1.21%$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.