3-year deposit

Deposits of exactly 36 months: the middle between short and long, for money you can do without for a few years.

This week 70 rates up, 4 down all changes →

How much do you want to save?

3.03%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks

Highest effective annual rate for €50,000, after promotions and fees

55 offers · 3 years deposits

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Deposit guarantee

Renault Bank
Termijndeposito· Deposit · 3 years· via Raisin
3 years
no early withdrawal
compounded yearly · min. €5,000 · max. €100,000
- 3 years fixed · no early withdrawal
Effective annual rate
3.50%▲

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News and background

All articles →

30 Oct 2026Saving for your child: in your child's name or in your own?
Do you save for your child in an account in their name or in yours? Who owns the money, what happens on their eighteenth birthday, how the deposit guarantee works and what to check when you compare.
23 Oct 2026Savings rate fixed or variable: what suits your money?
A variable savings rate can change any day, a fixed rate is set for the whole term. What makes savings rates move, why nobody can predict them and how you as a saver can deal with that uncertainty.
16 Oct 2026How much savings do you need as a buffer?
A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.

Frequently asked questions

Why three years and not five?

Three years often gives most of the extra interest of a long term, while your money is released two years earlier. The rate per term above the list shows how large the difference is now.

How is the interest paid over three years?

That differs: yearly to your linked account, credited yearly, or all at once at the end. Credited interest earns compound interest. The effective annual rate makes those forms comparable.

Does three years fit in a deposit ladder?

Yes. With deposits of 1, 2 and 3 years a part is released every year. The deposit ladder works that out for your amount.