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 616–630 results
- Freedom Credit UnionCertificate AccountCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.81%APY$1,187 over 36 months on $10,000Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
3.75% interest rate · Effective Oct 7, 2026
Rate checked
More details - First Eagle Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.81%APY$1,187 over 36 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Mountain Heritage Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.81%APY$1,187 over 36 months on $10,0003.75% interest rate
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More details - Members 1st Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,185 over 36 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time. Dividends can be re-invested into the certificate, deposited into account, or paid by monthly check.
Effective Oct 1, 2026
Rate checked
More details - Latah Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,185 over 36 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
Offer: Compounded/paid quarterly
3.75% interest rate · Effective Sep 24, 2026
Rate checked
More details - Moonlight FCUCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,185 over 36 months on $10,000Requirements
Product: CDs require a $500.00 minimum investment/deposit. Terms range from 6 months to 4 years.
3.75% interest rate · Effective Mar 24, 2026
Rate checked
More details - Century Credit UnionCertificate of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000with conditionsRequirements
Product: Without a Century checking account, subtract 0.10% APY. Early withdrawal penalties apply. Maximum deposit amounts may apply. Eligible for individuals who live or work in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.
Offer: Without a Century checking account, subtract .10%. Interest is paid quarterly (on CD anniversary date), with a choice of payment to the account or CD. Penalty for early withdrawal.
Qualified rate · 3.75% interest rate · Effective Oct 1, 2026
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More details - Capitol Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000intro rateRequirements
Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest, 12 months to less than 36 months lose 180 days' interest, 36 months or longer lose 270 days' interest.
Offer: Only new money eligible for promotional rate. Early withdrawal penalty of 270 days' interest.
Promotional rate · Effective Dec 16, 2025
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More details - IBEW Local 56 Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Rates are guaranteed for the life of the certificate. Penalty for early withdrawal: 6 month and 12 month certificates have 30 days loss of interest; 24 month and 36 month certificates have 90 days loss of interest. APY may be lower if funds are withdrawn before maturity. Dividends will be deposited into Regular Share Account. Rates subject to change without notice.
Offer: Dividends are paid monthly into Regular Share Account. Early withdrawal penalty: 90 days loss of interest.
3.75% interest rate · Effective Oct 9, 2026
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More details - Falls Catholic Credit UnionTerm Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Minimum deposit $500. Automatic renewal at maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if closed before credited.
Offer: Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if account is closed before accrued dividends have been credited.
Effective Oct 1, 2026
Rate checked
More details - Telhio Credit UnionCertificate of Deposit (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio. Early withdrawal penalty may reduce earnings. Interest is compounded and paid quarterly.
Offer: Fees such as a penalty for early withdrawal on Share CDs may reduce earnings.
3.74% interest rate · Effective Oct 13, 2026
Rate checked
More details - Mission City Federal Credit UnionCertificatesCD · 36 months · $2,500 min · 3.80%–3.85% by balance
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Penalties may be applied for early withdrawals. Contact one of our member service representatives for more details.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificates Balance APY $2,500 and upYour amount 3.80% $100,000 and up 3.85% Rate checked
More details - Peshtigo National BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: $500.00 minimum opening deposit required to open and obtain the APY. Early withdrawal penalty. 12 month add-on requires a minimum deposit of $500.00 to open ($10,000 maximum); additional funds may be deposited at a minimum of $100.00 per deposit. Simple interest calculation based on a 365 day basis. Long term relationship pricing available upon contacting the bank.
Offer: Early withdrawal penalty. Simple interest calculation based on a 365 day basis.
3.80% interest rate · Effective Oct 1, 2026
Rate checked
More details - Miami Firefighters Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,0003.73% interest rate · Effective Oct 22, 2026
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More details - Newtek BankCertificate of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.
3.73% interest rate · Balance cap $250,000 · Effective Oct 22, 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