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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 16–30 results

  1. Top Carrot, Carrot Score 87
    National Police FCUShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.71%APY$1,481 over 36 months on $10,000
  2. BrightStar Credit UnionCertificatesCD · 36–47 months

    Credit union · Add a location to see nearby branches

    4.70%APYwith conditions
  3. Top Carrot, Carrot Score 98
    BTG Pactual Bank, National AssociationOnline CDCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.70%APY$1,477 over 36 months on $10,000intro rate
  4. Top Carrot, Carrot Score 94
    Fremont Federal Credit UnionFreedom CertificateCD · 36 months · $5,000 min

    Credit union · Add a location to see nearby branches

    4.70%APY$1,477 over 36 months on $10,000
  5. Top Carrot, Carrot Score 94
    Fremont Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.70%APY$1,477 over 36 months on $10,000
  6. Top Carrot, Carrot Score 92
    Grant County BankCertificates of Deposit (CDs)CD · 36 months · $100 min · 4.63%–4.73% by balance

    Bank · Add a location to see nearby branches

    4.63%APY$1,454 over 36 months on $10,000
  7. BrightStar Credit UnionCertificatesCD · 24–36 months

    Credit union · Add a location to see nearby branches

    4.60%APYwith conditions
  8. Top Carrot, Carrot Score 97
    Sallie MaeSallie Mae Certificates of DepositCD · 36 months · $2,500 min

    Bank · Add a location to see nearby branches

    4.60%APY$1,444 over 36 months on $10,000
  9. Top Carrot, Carrot Score 99
    7 17 Credit UnionCertificateCD · 36 months · $500 min · 4.60%–4.85% by balance

    Credit union · Add a location to see nearby branches

    4.60%APY$1,444 over 36 months on $10,000
  10. Top Carrot, Carrot Score 99
    Comenity Capital BankCertificate of DepositCD · 36 months · $1,500 min

    Bank · Add a location to see nearby branches

    4.60%APY$1,444 over 36 months on $10,000
  11. Nicolet National BankCertificate of DepositCD · 36 months · $2,500 min

    Bank · Add a location to see nearby branches

    4.60%APY$1,444 over 36 months on $10,000
  12. Top Carrot, Carrot Score 94
    Georgia Heritage Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.60%APY$1,444 over 36 months on $10,000
  13. Federal Employees CUCertificates of Deposit "Regular"CD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.60%APY$1,444 over 36 months on $10,000
  14. Top Carrot, Carrot Score 94
    Whiting Refinery Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.59%APY$1,441 over 36 months on $10,000
  15. Top Carrot, Carrot Score 93
    Members 1st Credit Union75th Anniversary CD SpecialCD · 36 months · $7,500 min

    Credit union · Add a location to see nearby branches

    4.58%APY$1,439 over 36 months on $10,000intro rate

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