The best 3-year CD rates are far higher than the average CD rate, which is 1.32% annual percentage yield for three-year terms. The highest 3-year CD rates are generally offered by online banks and ...

A 3-month CD is a short-term CD. Banks and credit unions don't offer it as frequently as 6-month or 1-year CD terms, so you might not find it at all financial institutions. To see how 3-month CDs ...