As interest rates rise, investors are looking for better ways to grow their money. One popular choice is certificate of deposit (CD) accounts, which offer a fixed interest rate for a predetermined amount of time. In this article, we’ll take a look at the 15 best 3-year CD rates currently available.

1. SmartBank – 1.35% APY

SmartBank offers a competitive 3-year CD account with a 1.35% annual percentage yield (APY), making it an attractive option for those seeking higher returns.

2. Comenity Direct – 1.30% APY

Comenity Direct is an online bank providing a 3-year CD option with an impressive 1.30% APY, great for investors looking to maximize their interest income.

3. CIT Bank – 1.27% APY

CIT Bank offers a solid 3-year CD rate of 1.27%, providing investors with stability and good returns on their investments.

4. Synchrony Bank – 1.25% APY

A popular online bank, Synchrony Bank offers a competitive 3-year CD rate at an attractive 1.25% APY.

5. TIAA Bank – 1.25% APY

TIAA Bank provides another excellent option for a 3-year CD with its generous interest rate of 1.25%.

6. Popular Direct – 1.20% APY

Popular Direct offers its clients an appealing 1.20% APY on its three-year certificate of deposit.

7. Marcus by Goldman Sachs – 1.15% APY

An online bank led by investment giant Goldman Sachs, Marcus offers its customers a highly competitive rate of 1.15% APY on its three-year CDs.

8. Discover Bank – 1.10% APY

Discover Bank’s three-year CD offers a decent 1.10% APY, great for those looking to grow their investments in a relatively short amount of time.

9. Capital One – 1.00% APY

Capital One provides a respectable 1.00% APY for its 3-year CD, making it worthy of consideration for investors.

10. Barclays Bank – 0.95% APY

A reputable international bank, Barclays offers customers a solid return on investment with its 0.95% APY for the three-year CD.

11. Ally Bank – 0.85% APY

Ally Bank is another strong choice, offering an appealing 0.85% APY on its three-year CD account.

12. American Express National Bank – 0.80% APY

The well-known financial institution offers an attractive 0.80% APY for its three-year CD.

13. Citizens Access – 0.75% APY

Citizens Access provides a reasonable rate of return on investment through its three-year CD option with a 0.75% APY.

14. PNC Bank – 0.65% APY

PNC Bank offers a relatively competitive rate with its three-year CD at a 0.65% APY.

15. Wells Fargo – 0.50% APY

A major US bank, Wells Fargo offers a lower, yet still decent, return on investment with its three-year CD rate at a 0.50% APY.
These are just some of the top 3-year CD rates currently available to investors seeking better returns on their money without risking it in the stock market or other higher-risk investments. Keep in mind that individual investor experiences and returns may