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 286–300 results
- North Central Area Credit UnionCertificate of DepositCD · 36 months · $500 min · 4.10%–4.20% by balance
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.10% $50,000 – $250,000 4.20% Rate checked
More details - Mutual Savings AssociationCAP Member and Special CDsCD · 36 months · $2,000 min
Bank · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Eligibility Requirements Apply: CAP Member (Client Appreciation Program Member in good standing) OR Non-CAP Member with New Dollars (foreign funds/dollars from outside Mutual Savings). For maturing CDs, client must add 50% of maturing balance or $2,000, whichever is less (foreign funds outside Mutual Savings). Early withdrawal penalty applies.
Offer: 3 Year Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies.
4.04% interest rate
Rate checked
More details - Welcome Federal Credit UnionCertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000intro rateRequirements
Product: Fixed interest rate. Available for a limited time. Dividends compounded and credited quarterly. Penalty may be imposed for early withdrawal. Certificates are not subject to auto-renewal, except the 6-month and 12-month certificate, which will auto-renew. No monthly service charges.
Offer: Not subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply.
Promotional rate · 4.10% interest rate · Effective Oct 14, 2026
Rate checked
More details - Trademark Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,0004.02% interest rate · Effective Oct 7, 2026
Rate checked
More details - Ciera BankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
Offer: Interest compounded: Quarterly. Interest credited: Quarterly.
4.04% interest rate · Effective Oct 10, 2026
Rate checked
More details - IH Mississippi Valley Credit UnionCDsCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: $250 deposit required to open this account. $250 min. average daily balance required to earn dividends. There may be a penalty for early withdrawal. Dividends compounded monthly. Insured up to $250,000 by NCUA.
4.02% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 4.10%APY$1,281 over 36 months on $10,000intro rate
Requirements
Product: Rates subject to change at any time.
Promotional rate · Effective Jul 1, 2026
Rate checked
More details - Grove City Area Federal Credit UnionShare CertificatesCD · 36 months · $2,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: All Share Certificates require a minimum deposit of $2,000.00. Dividends are calculated monthly and posted to your share savings account on the 1st of each month. A penalty may be imposed for early withdrawals.
Offer: Special rate. A penalty may be imposed for early withdrawals.
4.10% interest rate · Effective Sep 29, 2026
Rate checked
More details - Pennstar Federal Credit UnionCertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: To open any account, you must deposit or already have on deposit at least the par value of one full share ($5.00). Dividends are calculated by the daily balance method. Fixed rate for initial term. Early withdrawal penalty applies (180 days dividend). Accounts automatically renew for another term upon maturity.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bridge Credit UnionSecond Chance CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Option to bump up rate (one time for certificates under 24 months and twice for certificate over 24 months) requires contacting Bridge before the original certificate maturity date. Bump rate must be of the equal term of the original certificate.
Offer: To receive ConnectMORE APY, member must be in the ConnectMORE Royal Rewards program.
Rate checked
More details - KEMBA Financial Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000with conditionsRequirements
Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
Offer: KEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - Superior Credit UnionRegular Share CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 180-day penalty for early withdrawal.
4.04% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Bank of UticaCertificates of Deposit (CD)CD · 36–48 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APYRequirements
Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
Offer: Under $100,000 tier; 3 years up to 4 years term; compounded quarterly.
4.04% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
Rate checked
More details - Stoneham Municipal Employees Federal Credit UnionTerm Share CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Substantial penalties for early withdrawals may apply. If applicable, fees could reduce earnings.
4.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - AllCom Credit UnionCertificatesCD · 36 months · $500 min · 4.10%–4.20% by balance
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: AllCom membership is required. Early withdrawal penalty may apply. Dividends paid monthly or at maturity to CD, another account, or by check.
Offer: Regular CD
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 4.10% $50,000 and upJumbo CD 4.20% Rate checked
More details
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