Best 3-year CD rates for May 2026

Today’s Best 3-Year CD Rates

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Best 3-year CD Rates :

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A 36-month (3-year) certificate of deposit (CD) can offer a higher yield in exchange for a longer lock period. In today’s market, top three-year CD rates often beat traditional savings by a wide margin. Before you choose, think about when you’ll need access to your funds—early withdrawals typically carry steeper penalties on longer terms. Compare today’s best 36-month CD rates below.
Rate Methodology
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APYs shown below are updated daily. We review offers from banks and credit unions across the U.S. to highlight the highest rates available for a 36-month CD. All institutions listed are FDIC- or NCUA-insured.
Current 3-year CD Trends
% APY*
CD Valet Partner Average
% APY*
National Average
FINANCIAL INSTITUTIONS 
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APY Info
Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.
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Frequently Asked Questions
How do I find and compare the best 3-year CD rates ?
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The fastest way is with CD Valet. We collect nationwide rates (updated daily) and let you filter by term, deposit amount, and promotions so you can quickly spot the top offers.
    When comparing CDs, focus on three things:
  • APY (Annual Percentage Yield): Your actual return after compounding.
  • Minimum deposit: Requirements vary by institution.
  • Early withdrawal penalties: Longer terms often mean higher penalties—know the cost before you commit.
What is a 3- year CD ?
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A 3-year (36-month) CD is a time deposit that locks your money for three years at a fixed interest rate. In return for keeping your funds on deposit, you typically earn a higher APY than standard savings. CDs are generally FDIC/NCUA insured up to applicable limits, offering a low-risk way to grow savings.
How much could I earn with this CD ?
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Use the calculator below to estimate earnings at today’s 36-month rates. Enter your deposit amount and the current rate to see your projected balance at maturity.
Explore More Rates by Term:
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  • CD Valet
  • The smart saver's trusted source for verified, high-yield CD rates from federally insured banks and credit unions.
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* Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.

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