Where to get the best 3-year CD rate Right now, the highest rate available on a 3-year CD is 4.10% APY, offered by United Fidelity Bank, fsb through their 36-month online CD special. Good To Know A CD usually pays a higher interest rate than a traditional savings account or checking account, because when you buy a CD, you agree to leave your money for a fixed period. CD rates have declined slightly, but they’re still among the highest seen in the last 20 years when you look at historical CD rates.