Best 3 years CD Rates

Compare 3 years certificate of deposit rates from FDIC-insured banks. Lock in a guaranteed return with no risk.

Last updated: March 2, 2026

BankAPYMin. DepositEarly Withdrawal Penalty
BestUnited Fidelity Bank, fsb
4.10%$0VariesVisit →

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Frequently Asked Questions

What is the best 3 years CD rate right now?

The best 3 years CD rate is currently 4.10% from United Fidelity Bank, fsb. Rates are verified and updated regularly.

Is a 3 years CD a good investment?

A 3 years CD is a safe, FDIC-insured investment that locks in a guaranteed rate. Longer-term CDs may offer higher rates but lock your money for a longer period.

What happens when my CD matures?

When your CD matures, you can withdraw your principal plus earned interest penalty-free. Most banks will auto-renew into a new CD at current rates if you take no action, so set a reminder.