How much interest can a $100,000 3-year CD account earn savers at today's rates?

A $100,000 three-year certificate of deposit could earn between about $13,626 and $14,117 at current leading rates, assuming the account remains untouched and no fees or penalties apply.

At an annual rate of 4.35%, the account would reach $113,625.91 at maturity. At 4.40%, it would reach $113,789.32, while a 4.50% rate would produce $114,116.61.

Three-year CDs rank among the strongest available rates for savers this September, including when compared with high-yield savings and money market accounts. They allow depositors to lock in a fixed return for several years, protecting the principal from stock-market volatility and future changes in interest rates.

The trade-off is access. Savers who need to withdraw part of the money before the term ends could face an early-withdrawal penalty, which may be substantial on a $100,000 account. The article says savers should understand that restriction before transferring funds.