Rate checked November 1, 2026

E*TRADE 3-year CD rate: 4.80% APY

E*TRADE's 3-year CD pays 4.80% APY. That ranks 5th of the 65 banks we track for this term. The best is 4.90% at Merrick Bank.

What it earns on $25,000

At 4.80%, $25,000 earns about $1,200 in the first year.

The best 3-year CD earns about $1,225 on the same money. Choosing E*TRADE instead gives up about $25 a year.

The middle 3-year rate across 65 banks is 3.20%. Figures are first-year interest at the quoted APY, before taxes.

Banks that pay more for a 3-year CD

E*TRADE CD rates for other terms

6-month4.20%
12-month4.55%
2-year4.80%
5-year4.80%

Questions

What is E*TRADE's 3-year CD rate?

E*TRADE pays 4.80% APY on its 3-year CD, based on its own rate page when we last checked. That earns about $1,200 a year on $25,000.

Is E*TRADE's 3-year CD rate good?

It ranks 5th of the 65 banks we track for this term. The best rate for this term is 4.90% at Merrick Bank, and the middle rate is 3.20%. Choosing E*TRADE over the best costs about $25 a year on $25,000.

Which banks pay more than E*TRADE on a 3-year CD?

Merrick Bank (4.90%), Quorum Federal Credit Union (4.90%), Popular Direct (4.85%).

All E*TRADE CD rates Best 3-year CD rates CD rates today Early withdrawal cost

General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.