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.
Top CD rates
Showing 166–180 results
- Garrett State BankCertificate of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Certificate terms from 91 days to 60 months. Fixed rates and rate bump options available. Early withdrawal penalty may apply.
Offer: 36 Month Advantage. Early withdrawal penalty may be imposed. Must have Garrett State Bank deposit account with a direct deposit. Allows for two (2) changes (bumps) in the interest rate during the 36 month term.
4.18% interest rate
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 36–47 months
Credit union · Add a location to see nearby branches
4.25%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 3 years (1096-1459 days). Standard rate.
Qualified rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - The Commercial BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: May have an early withdrawal penalty. Can be set to automatically renew.
Offer: Early withdrawal penalty: 9 Months.
Effective Oct 15, 2026
Rate checked
More details - Skyla Credit UnionRegular Certificate AccountCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,0004.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - WestStar Credit UnionTerm CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000intro rateRequirements
Product: Share Savings with a minimum balance and membership eligibility is required. Early withdrawals are subject to penalty. No setup or monthly maintenance fees.
Offer: Penalty may be imposed for withdrawals prior to maturity.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - San Diego Firefighters Federal Credit UnionShare CertificateCD · 36 months · $2,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department located within San Diego County, immediate family, and employees/members of Firefighter Related Organizations. Automatic renewal at maturity with a 7-day grace period.
4.18% interest rate
Rate checked
More details - Cornerstone Capital BankConsumer 36 Month CDCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - Community Resource Credit UnionCertificates of DepositCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: CRCU membership required. Penalty for early withdrawal. Fees may reduce earnings. Jumbo rates are no longer offered. You may add on to your certificate at any time during the term not to exceed $10,000.00 (does not apply to IRA and HSA Certificates). Non-transferable and non-negotiable.
4.16% interest rate · Effective Sep 30, 2026
Rate checked
More details - F&A Credit UnionCertificatesCD · 36 months · $1,000 min · 4.25%–4.35% by balance
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Must agree to receive paperless eStatements for premium rate. Early withdrawal penalty applies. Automatic renewal available. Federally insured up to $250,000.
Offer: $1,000 Minimum Deposit tier. Dividend rate 4.16%. Must agree to receive paperless eStatements.
4.16% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 4.25% $50,000 and upDividend rate 4.26%. 4.35% Rate checked
More details - OceanAir Federal Credit UnionTerm Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply.
4.17% interest rate
Rate checked
More details - Ontario Shores FCUShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,0004.17% interest rate
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More details - VisionBankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Minimum deposit amount of $1,000.00. A penalty may be imposed for early withdrawal. Daily balance method: the amount of the principal in the account each day. No monthly fees.
Offer: Early withdrawal penalty may apply. Daily balance.
4.18% interest rate · Effective Sep 24, 2026
Rate checked
More details - Gerber Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,0004.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Barksdale Federal Credit UnionPlus Point CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: To open Plus Point Certificate accounts, you must open one certificate of each term with equal balances in each certificate. Not automatically renewable.
Offer: Fixed rate. Must open one certificate in each term (1, 2, 3, 4, and 5 Year) with equal balances in each certificate ($1,000 minimum per each term). Additional deposits not allowed. Early withdrawal penalty applies (terms of more than 12 months: 180 days' dividends). Not automatic renewal.
4.17% interest rate · Effective Sep 29, 2026
Rate checked
More details - Barksdale Federal Credit UnionCertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Account automatically renews.
Offer: Fixed rate. Additional deposits not allowed. Early withdrawal penalty applies (terms of longer than 12 months: 180 days' dividends). Automatic renewal with 10-day grace period.
4.17% interest rate · Effective Sep 29, 2026
Rate checked
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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
4,164 CDs at 3,673 banks and credit unions · checked Oct 16–23
- 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
- Synchrony BankBank