Step 1: Define three-terminal devices.
- A three-terminal device has three terminals: one for input, one for output, and one for control.
- Zener diode and photodiode are two-terminal devices.
- Bipolar Junction Transistor (BJT) and Field Effect Transistor (FET) are both three-terminal devices. The three terminals are the collector, base, and emitter for BJTs, and the source, gate, and drain for FETs.
Step 2: Conclusion.
Thus, the three-terminal devices are BJT (C) and FET (D).
Final Answer:
\[
\boxed{\text{(C) and (D) only}}
\]