Best 3-Year CD Rates for August 2022

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If you’re looking for a way to earn interest on your money and don’t necessarily need access to it for a few years, a three-year contract certificate of deposit (CD) it might be worth a look. To help you find the highest possible rate, we continuously analyze rate data from over 200 banks and credit unions that accept customers nationwide and rank the highest-paying three-year CDs on the market today.


Since the highest rates are sometimes the product of special promotional certificates with odd terms, CDs with a term of 30-41 months are eligible for our 3-year ranking, with minimum deposit requirements of up to at $25,000.

In cases where multiple institutions pay the same maximum rate, we have prioritized the CDs by the shortest duration, then the CD requiring a smaller minimum deposit, and if still tied, by which the CD has a lighter penalty for early withdrawal.


Best CD prices over 3 years:

  • CFG Bank – 3.55% APY
  • Savings on bread – 3.55% APY
  • My eBanc – 3.51% APY
  • EFCU Financial – 3.50% APY
  • Limelight Bank – 3.30% APY
  • Connexus Credit Union – 3.26% ABS
  • US Alliance Federal Credit Union – 3.25% APY
  • PenFed Credit Union – 3.25% APY
  • Federal Credit Union Lafayette – 3.13% APY
  • Popular direct – 3.10% APY
  • MYSB Direct – 3.06% APY
  • Sallie Mae Bank – 3.05% APY
  • Prime Alliance Bank – 3.05% APY
  • Federal Hughes Credit Union – 3.05% APY
  • Rising bank – 3.05% APY
  • Bank TAB – 3.05% APY

Our full ranking of the highest paying 3-year CDs available nationwide is listed below, including details on minimum deposits and early withdrawal penalties. For Credit Union CDs, information is also provided on how to easily join the box.

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