澳洲幸运5官方开奖结果体彩网

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Best 3-Year CD Rates for June 2025: Up to 4.32%

By
澳洲幸运5官方开奖结果体彩网:Hilarey Gould
Hilarey Gould
澳洲幸运5官方开奖结果体彩网:Full Bio
Hilarey Gould has over a decade of journalism experience, with expertise in editing, content strategy, social media, and more. She is currently a full-time Senior Editorial Director of financial products and services at Investopedia. Hilarey has held editorial roles at Bankrate, SmartAsset, and realtor.com. She has a master's in journalism from the University of Missouri.
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Updated June 06, 2025
Fact checked by
Isaac Braun
Isaac Braun, Research Manager, Investopedia and Financial Products and Services
Fact checked by Isaac Braun
Full Bio
Isaac Braun is the Research Manager for Investopedia. He has analyzed data for over a decade, with over five years in the digital media landscape, and he holds a degree in communication and culture from The Media School at Indiana University - Bloomington. Isaac believes it is paramount to provide the most accurate data-driven product recommendations to help readers make educated decisions.
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The best 3-year CD rate right now is 4.32% APY. While it’s not as high as some shorter-term CDs, like the 澳洲幸运5官方开奖结果体彩网:best 6-month CD rate, you can rest assured that you’re locking in a decent rate for a longer period of time. Genisys Credit Union offers this CD with a minimum deposit of $500 for a term of 35 mo🌳nths. Other top nationwide 3-year CD rates start from 4.00% on terms of 30 to 41 months. All of Investopedia’s 3-year CD rates in this article were verified by a staff editor and are available to open as of June 6, 2025.

In the News

The Fed held rates steady for a third conse𝔍cutive time at its May 7 meeting. Three rate cuts from September through December last year lowered the 澳洲幸运5官方开奖结果体彩网:federal funds rate by a full percentage point to a range of 4.25%–4.50%, its lowest range since February 2023. CD rates closely follow the fed funds rate, which means CD rates are expected to come down if the Fed lowers rates.

Below are the top CD and annuity rates available from our partners, followed by the best CD rates that we've found from 澳洲幸运5官方开奖结果体彩网:our research that are available to U.S. cu𝔍stomers everywhere:

The Best 3-Year CD Rates Right Now

To be included in Investopedia’s ranking of the best 3-year CD rates, the CD must have a term of 30-41 months. When different banks or credit unions offer the same annual percentage yield (APY), we rank the shortest CD term first, then the CD with the smaller minimum deposit. If there’s still a tie,🧸 we rank the institutions alphabetically by name.

Why You Should Trust Us

Investopedia launched in 1999 and our staff editors, research analysts, and compliance managers have been collecting first-party CD rate data and ranking the best 3-year CD rates since 2020. Our team works hard every business day to keep this article up to date and accurate. We go directly to banks and credit union websites every weekday to check these rates and make changes to our content as needed. Our full-time team aims to be unbiased to ensure you’re getting the best CD rate recommendations.

澳洲幸运5官方开奖结果体彩网:Genisys Credit Union – 4.32% APY

  • Term: 30 months
  • Minimum deposit: $500
  • Early withdrawal penalty: 6 months of interest
  • Overview: Anyone can join Genisys by making a $5 donation to the Arthritis Foundation or the Paint Creek Center for the Arts and keeping at least $5 in a member savings account. Genisys Credit Union was chartered in 1964 and is headquartered in Auburn Hills, Michigan.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:L🥀afayette Federal Credit Union – 4.28% APY

  • Term (months): 36
  • Minimum deposit: $500
  • Early withdrawal penalty: 12 months of interest
  • Overview: Anyone can join Lafayette Federal with a $10 membership in the Home Ownership Financial Literacy Council and $50 or more held in a savings account. Lafayette was founded in 1935 and is headquartered in Rockville, Maryland.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体﷽彩网:Mountain America Credit 🐻Union - 4.15% APY

  • Term: 36 months
  • Minimum deposit: $500
  • Early withdrawal penalty: 6 months of interest
  • Overview: You can join Mountain America by signing up for a $15 lifetime membership with the American Consumer Council. You also must keep at least $1 in a savings account. Mountain America was founded in the 1930s and is headquartered in Sandy, Utah.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Popular Direct - 4.15% APY

  • Term: 36 months
  • Minimum deposit: $10,000
  • Early withdrawal penalty: 12 months of interest
  • Overview: Founded in 1893 and headquartered in New York, Popular Bank is the parent bank of Popular Direct, its online-only arm that serves banking customers in the U.S., Puerto Rico, and the Caribbean.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:KS State Bank - 4.10% APY

  • Term: 36 months
  • Minimum deposit: $500
  • Early withdrawal penalty: 12 months of interest
  • Overview: KS State Bank operates six branches in Kansas and one in Phoenix, while serving online customers nationwide. It was founded in 1969.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:NASA Federal Credit Unꦛion - 4.05% APY

  • Term: 36 months
  • Minimum deposit: $1,000
  • Early withdrawal penalty: 12 months of interest
  • Overview: NASA FCU is headquartered in Upper Marlboro, Maryland. The credit union dates back to 1949. You can join NASA FCU by signing up for a free membership in the National Space Society and holding $5 or more in a savings account. 
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Merrick Bank – 4.05% APY

  • Term (months): 36
  • Minimum deposit: $25,000
  • Early withdrawal penalty: 6 months of interest
  • Overview: Primarily a credit card issuer and consumer finance provider, Merrick Bank offers online-only certificates of deposit.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Credit Human - 4.00% APY

  • Term: 24–35 months
  • Minimum deposit: $500
  • Early withdrawal penalty: 9 months of interest ($50 minimum)
  • Overview: Anyone can join Credit Human by agreeing to a complimentary membership in the nonprofit American Consumer Council and keeping at least $5 in a member savings account. The credit union is headquartered in San Antonio and dates back to 1935.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:EFCU Financial - 4.00% APY

  • Term: 30 months
  • Minimum deposit: $500
  • Early withdrawal penalty: 6 months of interest
  • Membership: You can join EFCU by making a donation of any amount to the EFCU Financial Foundation. You also must keep at least $5 in a member savings account.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Synchrony Bank – 4.00% APY

  • Term (months): 36
  • Minimum deposit: Any amount
  • Early withdrawal penalty: 6 months of interest
  • Overview: In addition to being the largest U.S. provider of private-label credit cards, Synchrony Bank is an online-only bank offering consumer deposit accounts. Synchrony Bank was founded in 1932 and its headquarters are in Connecticut.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:INOVA Federal Credit Union - 4.00%🥂💫 APY

  • Term: 36 months
  • Minimum deposit: $200
  • Early withdrawal penalty: 6 months of interest
  • Overview: You can join INOVA with a $5 donation to the nonprofit Tru Direction or Elkhart River Restoration. INOVA was founded in 1942 to serve employees of Miles Laboratory in Elkhart, Indiana.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Prime Alliance Bank – 4.00% APY

  • Term (months): 36
  • Minimum deposit: $500
  • Early withdrawal penalty: 3 months of interest
  • Overview: Established in 2004, Prime Alliance operates one branch in metropolitan Salt Lake City, while also offering deposit products online to customers throughout the U.S.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:USAlliance Financial - 4.00% APY

  • Term: 36 months
  • Minimum deposit: $500
  • Early withdrawal penalty: 12 months of interest
  • Overview: You can join USAlliance by agreeing to a free membership with the American Consumer Council. You must keep at least $1 in a savings account. USAlliance was founded in 1966 to serve IBM employees. It’s headquartered in Rye, New York.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Greenwood Credit Union – 4.00% APY

  • Term (months): 36
  • Minimum deposit: $1,000
  • Early withdrawal penalty: 6 months of interest
  • Overview: Anyone can join Greenwood by simply keeping $5 or more in a savings account. Headquartered in Warwick, Rhode Island, Greenwood dates back to 1948.
  • Rate verified as of June 6, 2025

  • Term: 36 months
  • Minimum deposit: $1,000
  • Early withdrawal penalty: 6 months of interest
  • Overview: SkyOne dates back to 1949. It’s headquartered in Hawthorne, California and was originally chartered as the CAA Region 6 Federal Credit Union to serve employees of the Civil Aeronautics Administration. It has been known as SkyOne since 2010. You can join by getting an $8 membership with the American Consumer Council.
  • Rate verified as of June 6, 2025

  • Term (months): 36
  • Minimum deposit: $2,000
  • Early withdrawal penalty: All earned interest up to 6 months
  • Overview: Credit union membership is available to anyone who makes a $5 donation to join the Community Volunteers of Utah. Headquartered in Salt Lake City, Utah First Credit Union was founded in 1935.
  • Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:TotalBank – 4.00% APY

  • Term (months): 36
  • Minimum deposit: $25,000
  • Early withdrawal penalty: 6 months of interest
  • Overview: TotalBank is an online-only operation of City National Bank of Florida, established in Miami in 1946.
  • Rate verified as of June 6, 2025

Compare the Top 3-Year CD Rates

Institution Rate (APY) Term Minimum Deposit Early Withdrawal Penalty
澳洲幸运5官方开奖结果体彩网:Genisys Credit Union 4.32% 30 months $500 6 months of interest
澳洲幸运5官方开奖结果体彩网:Lafayette Federal Credit Union 4.28% 36 months $500 12 months of interest
澳洲幸运5官方开奖结果体彩网:Mountain America Credit Union 4.15% 36 months $500 6 months of interest
澳洲幸运5官方开奖结果体彩网:Popular Direct 4.15% 36 months $10,000 12 months of interest
澳洲幸运5官方开奖结果体彩网:KS State Bank 4.10% 36 months $500 12 months of interest
澳洲幸运5官方开奖结果体彩网:NASA Federal Credit Union 4.05% 36 months $1,000 All earned interest up to 12 months
澳洲幸运5官方开奖结果体彩网:Merrick Bank 4.05% 36 months $25,000 6 months of interest
澳洲幸运5官方开奖结果体彩网:Credit Human 4.00% 24–35 months $500 9 months of interest ($50 minimum)
澳洲幸运5官方开奖结果体彩网:EFCU Financial 4.00% 30 months $500 6 months of interest
澳洲幸运5官方开奖结果体彩网:Synchrony Bank 4.00% 36 months Any amount 6 months of interest
澳洲幸运5官方开奖结果体彩网:INOVA Federal Credit Union 4.00% 36 months $200 6 months of interest
澳洲幸运5官方开奖结果体彩网:Prime Alliance Bank 4.00% 36 months $500 3 months of interest
澳洲幸运5官方开奖结果体彩网:USAlliance Financial 4.00% 36 months $500 12 months of interest
澳洲幸运5官方开奖结果体彩网:Greenwood Credit Union 4.00% 36 months $1,000 6 months of interest
4.00% 36 months $1,000 6 months of interest
4.00% 36 months $2,000 All earned interest up to 6 months
澳洲幸运5官方开奖结果体彩网:TotalBank 4.00% 36 months $25,000 6 months of interest

Fast Fact

When asked in March where they would be most likely to put an extra $10,000, 澳洲幸运5官方开奖结果体彩网:10% of Investopedia readers said they would choose CDs, above high-yield savings accounts and paying down debt, but trailing individual stocks, ETFs, and money market funds.

How We Find the Best 3-Year CD Rates

꧂Every weekday for over four years, Investopedia’s team of full-time staff editors, research analysts, and compliance managers use tools to collect data on more than 200 banks and credit unions that offer CDs. We have a designated editor check all rates in articles once per day and double-check rates weekly. We also regularly add institutions as they expand their availability or we learn of new nationwide CD offerings.

All CDs in our database must be available nationwide to qualify for our rankings. We collect, track, and verify CD rates for terms ranging from 3 months to 10 years. All banks and credit unions in our articles must also be federally insured by the FDIC or NCUA. A CD’s minimum deposit must not be more than $25,00𒊎0, and the maximum deposit can’t be less than $5,000.

Banks must be available in at least 40 states to qualify for our best CD rates articles. Credit unions may require you to donate or join a nonprofit or association in order to become a member if you don’t meet its other membership requirements (like living in the state or working in an industry). A credit union that charges $40 or more for its donation or membership requirement is excluded from our article. Read more about 澳洲幸运5官方开奖结果体彩网:Investopedia’s CD and s🦋avings rates m♔ethodology to learn how our team 🌟of full-time staff developed this strategy for ranking the best rates.

Your Guide to CDs

*Disclosure: Annuity rates are subject to change at any time and the rate mentioned may no longer be current. Please visit  for current rates, full product disclosures, and disclaimer. Withdrawals above the 10 percent free withdrawal amount subject to a withdrawal charge and market value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity, instead, it is taxed annually.

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