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Compare Bank & Credit Union Rates

Best 3-year CD rates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
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Top CD rates

Showing 1–15 results

  1. Top Carrot, Carrot Score 95
    Toyota Financial Savings BankCertificates of DepositCD · 36 months · $1 min

    Bank · Add a location to see nearby branches

    5.10%APY$1,609 over 36 months on $10,000
  2. Raymond James BankCertificates of Deposit (CDs)CD · 36 months · $2,000 min

    Bank · Add a location to see nearby branches

    5.10%APY$1,609 over 36 months on $10,000
  3. Raymond James BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    5.10%APY$1,609 over 36 months on $10,000
  4. Top Carrot, Carrot Score 95
    Mid Minnesota Federal Credit UnionFast Forward CertificateCD · 36 months · $10 min

    Credit union · Add a location to see nearby branches

    5.09%APY$1,606 over 36 months on $10,000
  5. Top Carrot, Carrot Score 94
    First Jackson BankCertificates of DepositCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    5.00%APY$1,576 over 36 months on $10,000intro rate
  6. Top Carrot, Carrot Score 92
    Sioux Valley Co-op Federal Credit UnionShare CertificatesCD · 36 months · $0 min

    Credit union · Add a location to see nearby branches

    5.00%APY$1,576 over 36 months on $10,000
  7. Top Carrot, Carrot Score 88
    Advantage Plus Federal Credit UnionTraditional CertificateCD · 36 months

    Credit union · Add a location to see nearby branches

    4.99%APY$1,573 over 36 months on $10,000
  8. Top Carrot, Carrot Score 88
    Gulf Capital BankStandard Certificate of DepositCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.91%APY$1,546 over 36 months on $10,000
  9. Massena Savings & Loan AssociationFixed Rate CertificatesCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.90%APY$1,543 over 36 months on $10,000
  10. Top Carrot, Carrot Score 93
    Scott Associates Credit Union IncShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.86%APY$1,528 over 36 months on $10,000
  11. Dakota Community Bank & TrustCertificate of Deposit (CD)CD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.80%APY$1,510 over 36 months on $10,000
  12. Top Carrot, Carrot Score 98
    Tower Federal Credit UnionRegular and Special Share CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.80%APY$1,510 over 36 months on $10,000intro rate
  13. Top Carrot, Carrot Score 89
    Arise FinancialShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.75%APY$1,494 over 36 months on $10,000
  14. Top Carrot, Carrot Score 88
    Advantage Plus Federal Credit UnionShare CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.73%APY$1,487 over 36 months on $10,000
  15. Top Carrot, Carrot Score 88
    Woodlands National BankStandard CD RatesCD · 36 months · $1,000 min · 4.73%–4.83% by balance

    Bank · Add a location to see nearby branches

    4.73%APY$1,487 over 36 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What 3-year CDs pay nationwide

4,162 CDs at 3,674 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
4.00%
Banks, typical
2.50%
Credit unions, typical
3.15%

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Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions