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Highest Bank CD Rates and Certificate of Deposit explainedDiscover the best 3-year CD rates and maximize your savings potential. The top 3-year CD rate for November pays % APY. Current 3-Year CD Rates. The current national average rate for a month CD is % as of October 21, , according to the FDIC. Rates. With BMO Alto, you can access CD terms ranging from six months to 60 months, earning up to % APY. There's no minimum balance or minimum.