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<edgarSubmission xmlns:com="http://www.sec.gov/edgar/common" xmlns="http://www.sec.gov/edgar/ncen">
  <schemaVersion>X0201</schemaVersion>
  <headerData>
    <submissionType>N-CEN</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0000919020</cik>
          <ccc>XXXXXXXX</ccc>
        </issuerCredentials>
      </filer>
      <flags>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
      </flags>
      <investmentCompanyType>N-6</investmentCompanyType>
    </filerInfo>
    <seriesClass>
      <reportClass>
        <classInfo>
          <classId>C000031852</classId>
        </classInfo>
      </reportClass>
    </seriesClass>
  </headerData>
  <formData>
    <generalInfo reportEndingPeriod="2018-12-31" isReportPeriodLt12="N"/>
    <registrantInfo>
      <registrantFullName>American Separate Account No 3</registrantFullName>
      <investmentCompFileNo>811-08368</investmentCompFileNo>
      <registrantCik>0000919020</registrantCik>
      <registrantLei>254900PAWXJJRPDDPV03</registrantLei>
      <registrantstreet1>c/o Mutual of America Life Insurance Co</registrantstreet1>
      <registrantstreet2>320 Park Avenue</registrantstreet2>
      <registrantcity>New York</registrantcity>
      <registrantzipCode>100226839</registrantzipCode>
      <registrantstate>US-NY</registrantstate>
      <registrantcountry>US</registrantcountry>
      <registrantphoneNumber>2122241600</registrantphoneNumber>
      <websites>
        <website webpage="N/A"/>
      </websites>
      <locationBooksRecords>
        <locationBooksRecord>
          <officeName>Christopher M. Miseo</officeName>
          <officeAddress1>320 Park Avenue</officeAddress1>
          <officeCity>New York</officeCity>
          <officeStateCountry officeState="US-NY" officeCountry="US"/>
          <officeRecordsZipCode>100226839</officeRecordsZipCode>
          <officePhone>2122241879</officePhone>
          <booksRecordsDesc>Trade records, accounting and custodial</booksRecordsDesc>
        </locationBooksRecord>
      </locationBooksRecords>
      <isRegistrantFirstFiling>Y</isRegistrantFirstFiling>
      <isRegistrantLastFiling>N</isRegistrantLastFiling>
      <isRegistrantFamilyInvComp>N</isRegistrantFamilyInvComp>
      <registrantClassificationType>N-6</registrantClassificationType>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>Kathryn A. Lu</ccoName>
          <crdNumber>005605579</crdNumber>
          <ccoStreet1>c/o Mutual of America Life Insurance Co</ccoStreet1>
          <ccoStreet2>320 Park Avenue</ccoStreet2>
          <ccoCity>New York</ccoCity>
          <ccoStateCountry ccoState="US-NY" ccoCountry="US"/>
          <ccoZipCode>100226839</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>N</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <isRegistrantSubmittedMatter>N</isRegistrantSubmittedMatter>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <isExemptionFromAct>N</isExemptionFromAct>
      <principalUnderwriters>
        <principalUnderwriter>
          <principalUnderwriterName>Wilton Reassurance Life Company of New York</principalUnderwriterName>
          <principalUnderwriterFileNumber>8-32139</principalUnderwriterFileNumber>
          <principalUnderwriterCrdNumber>N/A</principalUnderwriterCrdNumber>
          <principalUnderwriterLei>549300S00NZ0PZGT0369</principalUnderwriterLei>
          <principalUnderWriterStateCountry principalUnderWriterState="US-NY" principalUnderWriterCountry="US"/>
          <isPrincipalUnderwriterAffiliatedWithRegistrant>Y</isPrincipalUnderwriterAffiliatedWithRegistrant>
        </principalUnderwriter>
      </principalUnderwriters>
      <isUnderwriterHiredOrTerminated>N</isUnderwriterHiredOrTerminated>
      <publicAccountants>
        <publicAccountant>
          <publicAccountantName>KPMG LLP</publicAccountantName>
          <pcaobNumber>00185</pcaobNumber>
          <publicAccountantLei>5493003PVCIGA21K0K42</publicAccountantLei>
          <publicAccountantStateCountry publicAccountantState="US-NY" publicAccountantCountry="US"/>
        </publicAccountant>
      </publicAccountants>
      <isPublicAccountantChanged>N</isPublicAccountantChanged>
      <isOpinionOffered>N</isOpinionOffered>
      <isMaterialChange>N</isMaterialChange>
      <isAccountingPrincipleChange>N</isAccountingPrincipleChange>
    </registrantInfo>
    <unitInvestmentTrust>
      <depositors>
        <depositor>
          <depositorName>Wilton Reassurance Life Company of New York</depositorName>
          <depositorCrdNo>N/A</depositorCrdNo>
          <depositorLei>549300S00NZ0PZGT0369</depositorLei>
          <depositorStateCountry depositorState="US-NY" depositorCountry="US"/>
          <depositorUltimateParentname>Wilton Reassurance Life Company of New York</depositorUltimateParentname>
        </depositor>
      </depositors>
      <isUitAdminHiredTerminated>N</isUitAdminHiredTerminated>
      <registrantSeparateInsuranceAccount isRegistrantSeparateInsuranceAccount="Y" separateAccountSeriesId="S000011563"/>
      <numOfContracts>187</numOfContracts>
      <contractSecurities>
        <contractSecurity separateAccountSecurityName="Variable Universal Life Insurance Policy" separateAccountContractId="C000031852" separateAccountTotalAsset="415799.000000000000" numContractsSold="0" grossPremiumReceived="14582.000000000000" grossPremiumReceivedSection1035="0.000000000000" numContractsAffected="0" contractValueRedeemed="3550.000000000000" contractValueRedeemedSection1035="0.000000000000" numContractsAffectedRedeemed="0"/>
      </contractSecurities>
      <isRule6C7Reliance>N</isRule6C7Reliance>
      <isRule11A2Reliance>N</isRule11A2Reliance>
    </unitInvestmentTrust>
    <signature registrantSignedName="American Separate Account No 3" signedDate="2019-03-15" signature="Christopher M. Miseo" title="Sr Vice President &amp; Director, Accounting &amp; Financial Reporting"/>
  </formData>
</edgarSubmission>
