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 436–450 results
- Finance FactorsLong Term CD SpecialsCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Available to Hawaii residents and businesses only. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal. Deposit must be drawn from a financial institution other than Finance Factors.
Offer: Assumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors.
Effective Sep 28, 2026
Rate checked
More details - Pima Federal Credit UnionTerm Share Certificate (CD)CD · 36 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Minimum deposit $250 with no maximum. Plus, enjoy a 0.25% APY increase on your new CD with a qualifying CareFREE Checking account (CareFREE Plus Checking with e-statements and at least $1,000 in monthly direct deposits).
Offer: Requires qualifying CareFREE / CareFREE Plus Checking account with e-statements and at least $1,000 in monthly direct deposits
Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000with conditions
Requirements
Product: Requires opening and funding an existing Walden deposit account (such as Spend Local). Auto-renews at maturity with a 10-day grace period. Early withdrawal penalties apply and may reduce earnings.
Offer: Interest is compounded daily and posted monthly. Early withdrawal penalty applies.
Qualified rate · Compounded daily
Rate checked
More details - VacationLand Federal Credit UnionCertificatesCD · 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: Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
Rate checked
More details - Clearwater Credit UnionCertificates of Deposit (CDs)CD · 36 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: $100 minimum opening deposit. $100 minimum balance requirement. Dividends paid monthly. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.
3.92% interest rate · Effective Sep 24, 2026
Rate checked
More details - Hawaii Community Federal Credit UnionShare CertificateCD · 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: Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - Hancock School Employees FCUCertificatesCD · 36 months
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000intro rateRequirements
Offer: Requires new money from an outside source
Promotional rate · 4.00% interest rate · Effective Sep 1, 2025
Rate checked
More details - Topeka Firemen's Credit UnionShare CertificatesCD · 36 months
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,0003.94% interest rate · Effective Dec 15, 2025
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More details - Illinois State Credit UnionShare CertificatesCD · 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: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.93% interest rate · Effective Jul 31, 2026
Rate checked
More details - United Consumers 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: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
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More details - Glendale Area Schools Credit UnionCertificate AccountsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000intro rateRequirements
Product: Must be a member of Glendale Area Schools Credit Union and maintain an active Share Savings Account or UTMA Account. A minimum deposit of $1,000 is required to open. Early withdrawal penalties apply.
Offer: America's 250th 4% CD Promotion. Offer good through October 31.
Promotional rate
Rate checked
More details - SF Fire Credit UnionTerm CertificatesCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly and at maturity. Active and retired Fire Department employees qualify for a 0.10% APY rate bump on Term Certificates.
3.92% interest rate · Compounded daily · Effective Sep 9, 2026
Rate checked
More details - American United Federal Credit UnionRegular CertificateCD · 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: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 36 months · $5 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - P&S Credit UnionShare One-Time Bump Certificates of DepositCD · 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: Minimum deposit $500. Terms 6 months to 5 years. One time dividend rate increase (bump) allowed during term upon request to the prevailing regular certificate rate of same term length. Not automatically renewed to bump option; at maturity renews to a Regular Certificate of same term length without bump option unless withdrawn during 10-day grace period. Early withdrawal penalty applies. Dividends compounded quarterly, paid at maturity.
Offer: One-time bump option; automatic renewal to regular certificate
Compounded quarterly
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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
4,160 CDs at 3,669 banks and credit unions · checked Oct 22–24
- 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