In this study, a three-dimensional thermo-elastic model that considers the interaction of mechanical and thermal deformation is developed using a semi-analytic method for steady-state rolling contact. Creepage types in all directions are considered in this model. For verification, the numerical analysis results of shear traction and temperature increase are compared separately with existing numerical results, and the consistency is confirmed. The analysis results include heat flux, temperature increase, contact pressure, and shear traction. Under severe rolling conditions, the thermal effect changes the behavior of the contact interface significantly. Furthermore, the effects of creepage, rolling speed, and conformity under different rolling and creep conditions are investigated.