oh I would recommend Open RPG Maker, RPG Toolkit, or Game Maker 1.01.
Open RPG Maker is simple and much like the RPG Maker series by Enterbrain. It uses a nice database that lets you choose events you want to happen like fighting, characters talking, and other cool things. You can make some of the resources(character sprites, enemies, battle system, etc.) as well. Although you need to find or make much of the character sprites, enemies, tilesets, etc. because it is a recent beta and comes with little resources.
RPG Toolkit is harder to learn to use, but it does have allow for a lot of customization for character sprites, tilesets, backgrounds, items, battle system, and all that good stuff.
It uses RPG Code to set up events like fighting, npc's talking, and other things which means you have to learn it and code for events to happen. It is a lot like C++ and Java but also simple for others with no programming experience or knowledge. There are a lot of tutorials for this since it has been around for almost a decade.
Game Maker 1.01 seems promising and has a lot of choices for its event database. I haven't really tried it yet. It also lets you make other games that aren't RPG's. I don't think you need to know very much about coding for this one.
I would recommend playing with a trial version of RPG Maker XP by Enterbrain to get an idea of how the rpg makers work for Game Maker, Open RPG Maker, and RPG Tool Kit. They have a similar setup of how to set up the rpg games, but differ in how they do it.
Sorry for the long post. I was excited.
EditThese rpg makers use 2D graphics and rpg game system much like the the older final fantasies and super nintendo Legend of Zelda: A Link to the Past. I don't know of any 3D RPG Makers.