Highest 3-Year CD Rates
Compare 36-Month CD rates from 99 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:4.15-4.50% APYFDIC or NCUA Insured

146 active 36-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 3-Year CD Rates

Ordered by highest APY. Showing the top 50 of 146 36-month cd products tracked across 99 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 34 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Popular Direct 36 Months Term: 36 months	4.50%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#2	Grant County Bank 36-Month CD Term: 36 months	4.37%APY Verified: Aug 20, 2026 Access: Branch access	$100
#3	E*TRADE from Morgan Stanley 36-Month Certificates of Deposit Term: 36 months	4.35%APY Verified: Aug 21, 2026 Access: Online only	$0
#4	Sallie Mae Bank 36-Month Certificates of deposit CDs Term: 36 months	4.35%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#5	Synchrony Bank 36 Month CD Term: 36 months	4.30%APY Verified: Aug 21, 2026 Access: Online only	$0
#6	Synchrony Bank 36 Month IRA CD Term: 36 months	4.30%APY Verified: Aug 21, 2026 Access: Online only	$0
#7	Bread Savings 3-Year CD Term: 36 months	4.25%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#8	TAB Bank 36-Month CD Term: 36 months	4.20%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#9	First Federal Bank of Kansas City 36-Month CD Term: 36 months	4.15%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#10	First Federal Savings and Loan Association of Lakewood 36-Month CD Special Term: 36 months	4.15%APY Verified: Aug 21, 2026 Access: Branch access	$500
#11	Marcus by Goldman Sachs 3 Year CD Term: 36 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$500
#12	Poppy Bank 36-Month IRA CD Term: 36 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#13	Colorado Federal Savings Bank 36-Month CD Term: 36 months	3.95%APY Verified: Aug 20, 2026 Access: Online only	$5,000
#14	Farmers and Merchants Union Bank 36 Month IRA CD Term: 36 months	3.94%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#15	Farmers and Merchants Union Bank 36 Month CD Term: 36 months	3.89%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#16	Farmers and Merchants Union Bank 36 Month HSA CD Term: 36 months	3.89%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#17	FinWise Bank 36-Month Certificate Term: 36 months	3.84%APY Verified: Aug 16, 2026 Access: Branch access	$500
#18	Newtek Bank 36-Month CD Term: 36 months	3.80%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#19	Global Bank 36-Month Certificate of Deposit Term: 36 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#20	Gate City Bank 3 Year Relationship CD Term: 36 months	3.60%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#21	FirstBank of Nebraska 36 Month CD Term: 36 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#22	FirstBank of Nebraska 36 Month IRA CD Term: 36 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#23	Garden Plain State Bank 3 Year CD Term: 36 months	3.55%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#24	Ally Bank 3 Yr IRA CD Term: 36 months	3.50%APY Verified: Aug 21, 2026 Access: Online only	$0
#25	Ally Bank 3 Yr CD Term: 36 months	3.50%APY Verified: Aug 21, 2026 Access: Online only	$0
#26	Capital One 36-Month CD Term: 36 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$0
#27	Farmers & Merchants State Bank 36 Month Reverse CD Term: 36 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$500
#28	Garden Plain State Bank 3 Year IRA CD Term: 36 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#29	Global Bank 36-Month Traditional IRA CD Term: 36 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#30	Global Bank 36-Month Roth IRA CD Term: 36 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#31	Newtek Bank 36-Month CD Term: 36 months	3.50%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#32	Vio Bank 36-Month Online Certificate of Deposit CD Term: 36 months	3.50%APY Verified: Aug 20, 2026 Access: Online only	$500
#33	Peoples State Bank of Plainview 36-Month CD Term: 36 months	3.44%APY Verified: Aug 19, 2026 Access: Branch access	$250
#34	EverBank 36-Month CD Term: 36 months	3.40%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#35	Farm Bureau Bank FSB 3 Year CD Term: 36 months	3.35%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#36	Farmers State Bank 3 Year CD Term: 36 months	3.30%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#37	Farmers State Bank 3 Year IRA Term: 36 months	3.30%APY Verified: Aug 19, 2026 Access: Branch access	$500
#38	First County Bank 36 Month CD Term: 36 months	3.25%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#39	Forbright Bank 36-Month Growth CD Term: 36 months	3.25%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#40	Forbright Bank 36-47 Month CD Term: 36-47 months	3.25%APY Verified: Aug 20, 2026 Access: Branch access	$1,000
#41	StonehamBank, A Co-operative Bank 36-Month CD Term: 36 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#42	StonehamBank, A Co-operative Bank IRA 36-Month CD Term: 36 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#43	EverBank 3 year CDAR Term: 36 months	3.22%APY Verified: Aug 20, 2026 Access: Branch access	$10,000
#44	Bonanza Valley State Bank 36-Month CD Term: 36 months	3.20%APY Verified: Aug 19, 2026 Access: Branch access	$500
#45	Carver Bank 36 Month CD Term: 36 months	3.17%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#46	Peak Bank 36-Month CD Term: 36 months	3.14%APY Verified: Aug 21, 2026 Access: Online only	$500
#47	Farm Bureau Bank FSB 3 Year CD with Step-Up Option Term: 36 months	3.10%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#48	Gate City Bank 3 Year CD Term: 36 months	3.10%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#49	First Bank Elk River 3 Year CD Term: 36 months	3.08%APY Verified: Aug 15, 2026 Access: Branch access	$500
#50	First Bank Elk River 3 Year IRA CD Term: 36 months	3.08%APY Verified: Aug 15, 2026 Access: Branch access	$500

Popular Direct

36 Months

Term: 36 months

4.50%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

Grant County Bank

36-Month CD

Term: 36 months

4.37%

APY

Verified: Aug 20, 2026

Min Deposit

$100

Access

Branch access

E*TRADE from Morgan Stanley

36-Month Certificates of Deposit

Term: 36 months

4.35%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Sallie Mae Bank

36-Month Certificates of deposit CDs

Term: 36 months

4.35%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

Synchrony Bank

36 Month CD

Term: 36 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Synchrony Bank

36 Month IRA CD

Term: 36 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Bread Savings

3-Year CD

Term: 36 months

4.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

TAB Bank

36-Month CD

Term: 36 months

4.20%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

First Federal Bank of Kansas City

36-Month CD

Term: 36 months

4.15%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#10

First Federal Savings and Loan Association of Lakewood

36-Month CD Special

Term: 36 months

4.15%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#11

Marcus by Goldman Sachs

3 Year CD

Term: 36 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#12

Poppy Bank

36-Month IRA CD

Term: 36 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#13

Colorado Federal Savings Bank

36-Month CD

Term: 36 months

3.95%

APY

Verified: Aug 20, 2026

Min Deposit

$5,000

Access

Online only

#14

Farmers and Merchants Union Bank

36 Month IRA CD

Term: 36 months

3.94%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#15

Farmers and Merchants Union Bank

36 Month CD

Term: 36 months

3.89%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#16

Farmers and Merchants Union Bank

36 Month HSA CD

Term: 36 months

3.89%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#17

FinWise Bank

36-Month Certificate

Term: 36 months

3.84%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#18

Newtek Bank

36-Month CD

Term: 36 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#19

Global Bank

36-Month Certificate of Deposit

Term: 36 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#20

Gate City Bank

3 Year Relationship CD

Term: 36 months

3.60%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#21

FirstBank of Nebraska

36 Month CD

Term: 36 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#22

FirstBank of Nebraska

36 Month IRA CD

Term: 36 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#23

Garden Plain State Bank

3 Year CD

Term: 36 months

3.55%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#24

Ally Bank

3 Yr IRA CD

Term: 36 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#25

Ally Bank

3 Yr CD

Term: 36 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#26

Capital One

36-Month CD

Term: 36 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Branch access

#27

Farmers & Merchants State Bank

36 Month Reverse CD

Term: 36 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#28

Garden Plain State Bank

3 Year IRA CD

Term: 36 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#29

Global Bank

36-Month Traditional IRA CD

Term: 36 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#30

Global Bank

36-Month Roth IRA CD

Term: 36 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#31

Newtek Bank

36-Month CD

Term: 36 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#32

Vio Bank

36-Month Online Certificate of Deposit CD

Term: 36 months

3.50%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

#33

Peoples State Bank of Plainview

36-Month CD

Term: 36 months

3.44%

APY

Verified: Aug 19, 2026

Min Deposit

$250

Access

Branch access

#34

EverBank

36-Month CD

Term: 36 months

3.40%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#35

Farm Bureau Bank FSB

3 Year CD

Term: 36 months

3.35%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#36

Farmers State Bank

3 Year CD

Term: 36 months

3.30%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#37

Farmers State Bank

3 Year IRA

Term: 36 months

3.30%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#38

First County Bank

36 Month CD

Term: 36 months

3.25%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#39

Forbright Bank

36-Month Growth CD

Term: 36 months

3.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#40

Forbright Bank

36-47 Month CD

Term: 36-47 months

3.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Branch access

#41

StonehamBank, A Co-operative Bank

36-Month CD

Term: 36 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#42

StonehamBank, A Co-operative Bank

IRA 36-Month CD

Term: 36 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#43

EverBank

3 year CDAR

Term: 36 months

3.22%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Branch access

#44

Bonanza Valley State Bank

36-Month CD

Term: 36 months

3.20%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#45

Carver Bank

36 Month CD

Term: 36 months

3.17%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#46

Peak Bank

36-Month CD

Term: 36 months

3.14%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#47

Farm Bureau Bank FSB

3 Year CD with Step-Up Option

Term: 36 months

3.10%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#48

Gate City Bank

3 Year CD

Term: 36 months

3.10%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#49

First Bank Elk River

3 Year CD

Term: 36 months

3.08%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#50

First Bank Elk River

3 Year IRA CD

Term: 36 months

3.08%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access