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 466–480 results
- Phelps County BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$1,236 over 36 months on $10,0003.90% interest rate · Effective Oct 1, 2026
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More details - Tarrant County's Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: $1,000 minimum to open and obtain disclosed annual percentage yield. Interest compounds monthly and is paid monthly. Early or partial withdrawal of certificate may result in a penalty.
3.88% interest rate · Balance cap $49,999.99 · Effective Oct 19, 2026
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More details - Sharefax Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Offer: Gold relationship tier
Qualified rate · 3.87% interest rate · Compounded monthly · Effective Oct 5, 2026
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More details - Sharefax Credit UnionBump Share CertificatesCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 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: Gold relationship tier
Qualified rate · 3.87% interest rate · Effective Oct 5, 2026
Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000with conditionsRequirements
Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
Offer: Family Advantage Gold tier.
Qualified rate · 3.89% interest rate · Effective Oct 23, 2026
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More details - Abbey Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: Early withdrawal penalty of 90 days of interest. Minimum $500 required to earn dividends.
Offer: Rate on /cd is 3.95% APY (3.88% interest rate); rate on /rates is 3.90% APY (3.83% interest rate).
3.88% interest rate · Effective Sep 22, 2026
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More details - HEFCUShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.
3.88% interest rate · Effective Sep 18, 2026
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More details - Michigan One Community Credit UnionRegular CDsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.
3.88% interest rate · Effective Oct 15, 2026
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More details - La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000with conditionsRequirements
Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
Offer: APY 3.95% with $500 minimum opening.
Qualified rate · Effective Oct 9, 2026
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More details - POLAM Federal Credit UnionSavings CertificateCD · 36 months · $2,500 min · 3.95%–4.25% by balance
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: Lock funds for terms ranging from 6 months to 5 years. Minimum to open is $2,500 ($500 for members under 18 years of age). Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
Offer: Assumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
3.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Certificate Balance APY $2,500 and upYour amount 3.95% $25,000 and up 4.05% $50,000 and up 4.15% $100,000 and up 4.25% Rate checked
More details - River Valley Credit UnionCertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: Dividends are compounded monthly on Certificates. Early withdrawal penalties apply. Membership eligibility required (live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties).
3.88% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - USALLIANCE FinancialFixed Rate Certificate AccountsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000intro rateRequirements
Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
Offer: Promotional rate special. Rollover rate upon automatic renewal is 3.95% APY.
Promotional rate · 3.87% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Parks Heritage Federal Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: Membership eligibility required: open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in New York state, as well as immediate family members of. A $5 deposit into a Share Savings Account is required for membership. No monthly maintenance fees. Early withdrawal penalties may apply. Dividends compounded and paid monthly on the last day of each month.
Offer: Fixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month.
Rate checked
More details - The First National Bank Of Nevada, MissouriBasic CDsCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: All CDs listed are fixed rate CDs. A penalty may be imposed for early withdrawal of principal during the term of a CD. Interest is accrued on the full daily balance.
3.95% interest rate · Effective Sep 22, 2026
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More details - Essential Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000Requirements
Product: Membership required ($5 minimum share). Minimum opening deposit of $500 must be maintained throughout the term. Fixed rate for the term of the certificate. Dividends paid monthly or quarterly. Early withdrawal penalties apply.
Offer: Fixed rate for 36-month term. Early withdrawal penalty may apply.
3.89% interest rate · Effective Oct 5, 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
4,160 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