A three-dimensional subgridding algorithm for the finite difference time domain (FDTD) method is proposed in this paper. The method is based on interpolation of electric and magnetic current densities. The coarse-fine mesh ratio can be either 1:2 or 1:3. Results of a test model utilizing a lossless cavity excited with a dipole show no tendency of instability after 500000 time steps. The reflection in time domain at the subgridding interface was calculated to test the accuracy of the subgridding algorithm