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Best 3-year CD rates for February 2025

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A certificate of deposit typically pays a higher yield the longer its term, which can vary from weeks to years. A three-year CD, for example, frequently pays a higher rate than a three-month CD, making it a good investment for mid-term financial obligations, such as a down payment on a car.

Current 3-year CD trends Caret Up Icon Caret Down Icon

Bankrate Partner average
3.64% APY
National average
1.54% APY
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Bankrate's picks for best 3-year CD rates

SchoolsFirst Federal Credit Union

Rating: 4.5 stars out of 5
4.5 Bankrate CD score
  • Annual percentage yield

    4.15%
  • Min. deposit to open

    $500

Why SchoolsFirst Federal Credit Union?

SchoolsFirst serves the education community in California. Certain school employees, certain retired school employees and immediate family members of SchoolsFirst Federal Credit Union members are eligible to join. SchoolsFirst offers CDs ranging from 30 days to five years. To open a CD, a $500 minimum deposit is required. If you put in more money you may be rewarded with a higher APY, as SchoolsFirst has five rate tiers: $500, $20,000, $50,000, $100,000 and $250,000.

America First Credit Union

Rating: 5 stars out of 5
5.0 Bankrate CD score
  • Annual percentage yield

    4.15%
  • Min. deposit to open

    $500

Why America First Credit Union?

America First Credit Union was founded in 1939 in Salt Lake City. It has CDs with terms ranging from three months to five years. The minimum opening deposit for CDs is $500. It also offers a variety of checking and savings accounts.

Popular Direct

Rating: 4 stars out of 5
4.0 Bankrate CD score
  • Annual percentage yield

    4.10%
  • Min. deposit to open

    $10,000

Why Popular Direct?

Popular Direct CDs require a minimum $10,000 deposit, making them best suited to established savers. The CDs come in terms ranging from three months to five years. Popular Direct’s Select Savings account offers a competitive yield and requires a $100 minimum deposit.

Synchrony Bank

Rating: 4.9 stars out of 5
4.9 Bankrate CD score
  • Annual percentage yield

    4.00%
  • Min. deposit to open

    $0

Why Synchrony Bank?

Synchrony Bank offers competitive CD yields across nine terms, including five terms that are less than two years. An 11-month no-penalty CD and a two-year bump-up CD are also available. The bank also offers a savings account and a money market account. The savings account features a competitive APY and has no minimum balance requirement.

Marcus by Goldman Sachs

Rating: 4.9 stars out of 5
4.9 Bankrate CD score
  • Annual percentage yield

    4.00%
  • Min. deposit to open

    $500

Why Marcus by Goldman Sachs?

Marcus by Goldman Sachs is an online bank known for offering CDs and a savings account. It also used to be known for its personal loans, but it no longer offers those. Not many banks can match the number of CDs that Marcus offers. It has nine terms of regular CDs — ranging from six months to six years — three no-penalty CDs and a rate bump CD. All of these CDs have a $500 minimum deposit requirement.

Bread Savings

Rating: 3.5 stars out of 5
3.5 Bankrate CD score
  • Annual percentage yield

    4.00%
  • Min. deposit to open

    $1,500

Why Bread Savings?

Bread Financial, formerly Comenity Direct, is an online bank that offers a high-yield savings account and five terms of CDs ranging from one year to five years. Bread Financial is part of Comenity Capital Bank, which is a unit of Bread Financial.

TAB Bank

Rating: 4.1 stars out of 5
4.1 Bankrate CD score
  • Annual percentage yield

    3.91%
  • Min. deposit to open

    $1,000

Why TAB Bank?

TAB Bank was established in 1998 in Ogden, Utah, as a banking service inside truck stops. TAB (Transportation Alliance Bank) serves businesses and individual customers. It offers several checking accounts, a savings account, a money market account and CDs in six terms, from 12 months to five years.

First Internet Bank of Indiana

Rating: 4.1 stars out of 5
4.1 Bankrate CD score
  • Annual percentage yield

    3.77%
  • Min. deposit to open

    $1,000

Why First Internet Bank of Indiana?

First Internet Bank of Indiana is an FDIC-insured financial institution that operates online and has no branches. It opened in 1999 and offers products in all 50 states. First Internet Bank offers eight terms of CDs, a money market savings account with a competitive yield, a savings account and two checking accounts.

Limelight Bank

Rating: 4.4 stars out of 5
4.4 Bankrate CD score
  • Annual percentage yield

    3.75%
  • Min. deposit to open

    $1,000

Why Limelight Bank?

Limelight Bank is an online-only bank that’s a division of Capital Community Bank. It’s known for supporting eco-friendly causes such as solar initiatives. The bank offers four CD terms ranging from six months to three years. A minimum deposit of $1,000 is required. Limelight doesn’t offer any types of bank accounts other than CDs.

Randolph-Brooks Federal Credit Union

Rating: 4.3 stars out of 5
4.3 Bankrate CD score
  • Annual percentage yield

    3.71%
  • Min. deposit to open

    $1,000

Why Randolph-Brooks Federal Credit Union?

Randolph-Brooks Federal Credit Union is headquartered in Live Oak, Texas, and operates more than 60 branches serving four major markets in the state: Austin, Corpus Christi, Dallas-Fort Worth and San Antonio. It has more than 1 million members. Randolph-Brooks Federal Credit Union has CDs with terms ranging from six months to seven years. It also offers a Really Free Checking account that requires no minimum balance and charges no monthly fee.

What is a 3-year CD?

How to find the best 3-year CD rates