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Best 3-year CD rates today

Every 3-year CD we track, highest rate first, with what $10,000 would earn by the end of the term. APY = the yearly interest rate including compounding.

Best 3-year CD rate we track today

4.50%

at Barclays · median of 7 banks: 3.50%

1. Barclaysmin $0 · read 2026-10-12 · source
4.50%$1,412 on $10k
2. Marcusmin $500 · read 2026-10-12 · source
4.40%$1,379 on $10k
3. Allymin $0 · read 2026-10-12 · source
4.00%$1,249 on $10k
4. Capital One 360min $0 · read 2026-10-12 · source
3.50%$1,087 on $10k
5. EverBankmin $1,000 · read 2026-10-12 · source
3.40%$1,055 on $10k
6. American Expressmin $0 · read 2026-10-12 · source
2.25%$690 on $10k
7. CIT Bankmin $1,000 · read 2026-10-12 · source
0.40%$120 on $10k

Interest on $10k = APY compounded over the 3-year term, held to maturity. Early-withdrawal penalties apply.

Next step

Like the top rate? Confirm it on Barclays's own page before opening.
Might need the money sooner? Compare savings accounts (no lock-up).
Already have a CD or savings account? Check if you're earning too little.

Not found today: Synchrony, Citizens Access (bank page blocked automated reads or rates didn't load). No CDs offered/found: SoFi, Wealthfront, Betterment, UFB Direct, Varo, Chime, Openbank.

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FAQ

What is the best 3-year CD rate?

4.50% APY at Barclays (as of 2026-10-12), among banks we track.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.