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 361–375 results
- Iowa State BankCertificate of Deposit (CD)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.04%APY$1,262 over 36 months on $10,000Requirements
Product: A wide range of terms available (from 1 week to 5 years). Renews automatically upon maturity after a 10 day grace period for terms of 182 days or longer. Early withdrawals subject to penalty. No setup or maintenance fees.
4.00% interest rate
Rate checked
More details - First State BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.04%APY$1,262 over 36 months on $10,000Requirements
Product: Fees may reduce earnings. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.
Offer: Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate.
4.00% interest rate · Effective Oct 7, 2026
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More details - The Bank of ProtectionCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.04%APY$1,262 over 36 months on $10,0004.00% interest rate · Effective Sep 30, 2025
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More details - Advancial Federal Credit UnionSavings CertificatesCD · 36 months · $1,000 min · 4.03%–4.24% by balance
Credit union · Add a location to see nearby branches
4.03%APY$1,258 over 36 months on $10,000Requirements
Product: Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
3.96% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Savings Certificates Balance APY $1,000 and upYour amount 4.03% $25,000 and upJunior Jumbo tier 4.14% $50,000 and upJumbo tier 4.24% Rate checked
More details - Jack Daniel Employees' Credit UnionShare Certificate AccountCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.02%APY$1,256 over 36 months on $10,000Requirements
Product: Dividends paid monthly, transferred to designated account, or added to certificate.
3.95% interest rate · Effective Jan 27, 2026
Rate checked
More details - Coast Central Credit UnionSavings CertificatesCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
4.02%APYRequirements
Product: Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. No monthly service fee.
Offer: Term 36 to 47 months (7500).
3.95% interest rate · Effective Oct 21, 2026
Rate checked
More details - PALCO Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.01%APY$1,252 over 36 months on $10,000Requirements
Product: Fixed rate time deposits. Dividends paid only at maturity on 6-month certificates; may be paid at maturity on terms not exceeding one year; on 12 to 60 month certificates, dividends may be paid monthly or quarterly by being deposited into a share account, mailed, or compounded back into the certificate.
Offer: Early withdrawal penalty: 1 Year.
3.95% interest rate · Effective Sep 23, 2026
Rate checked
More details - American Heritage Credit UnionCertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$1,252 over 36 months on $10,000intro rateRequirements
Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Offer: Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Promotional rate · 3.94% interest rate · Effective Oct 23, 2026
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More details - TruNorth Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.01%APY$1,252 over 36 months on $10,000Requirements
Product: Membership requires living, working, worshipping, or attending school in Marquette, Iron, Dickinson, Baraga, or Alger counties in Michigan. $5.00 par value share required. Early withdrawal penalty equals 90 days interest/dividends. Automatically renewable with a 7-day grace period, though certificate specials are nonrenewal accounts and do not roll over. Dividends compounded daily and credited quarterly.
Offer: Early withdrawal penalty may be imposed. Certificate specials will not renew at end of term.
3.95% interest rate · Compounded daily
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More details - Affinity First Federal Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.01%APY$1,252 over 36 months on $10,000Requirements
Product: $500.00 minimum required. AFFCU membership required. Rates are subject to change.
Offer: 1 Bump
Effective Oct 1, 2026
Rate checked
More details - Millard County Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Payment of dividends is based on available current and undivided earnings of MCCU. Some share certificates may not be available for online opening.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - MERCO Credit UnionTerm CertificatesCD · 6–60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Offer: Flex Term Promotion (6-60 Months)
Promotional rate · 3.93% interest rate · Effective Oct 1, 2026
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More details - Bank of UticaCertificates of Deposit (CD)CD · 24–36 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%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; 2 years up to 3 years term; compounded quarterly.
3.94% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
Rate checked
More details - Auburn Community Federal Credit UnionCertificates of Deposit (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: $500.00 minimum balance. Substantial penalties for early withdrawal may apply.
Offer: Substantial penalties for early withdrawal may apply.
3.92% interest rate
Rate checked
More details - Sharefax Credit UnionBump Share CertificatesCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000with conditionsRequirements
Product: Business account holders do not qualify for Jump or Relationship Rates. IRA and HSA share certificates are not eligible for bumps. Rates are subject to change. Please check with a Member Service Representative.
Offer: Platinum relationship tier
Qualified rate · 3.92% interest rate · Effective Oct 5, 2026
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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
4,161 CDs at 3,669 banks and credit unions · checked Oct 22–23
- 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