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 706–720 results
- Andrews Federal Credit UnionJumbo Fixed Rate Share CertificatesCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply.
3.70% interest rate
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More details - Aroostook Savings & LoanCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Interest is compounded continuously. A penalty may be imposed for early withdrawal. Rates subject to change prior to issuance; fixed after issuance. Automatic renewal at maturity.
Offer: Interest compounded continuously; early withdrawal penalty may apply. Rate fixed after issuance.
3.63% interest rate · Effective Oct 21, 2026
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More details - USE Credit UnionUSECU Certificates of DepositCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Federally insured up to $250,000 by NCUA. Penalties may be imposed for early withdrawal. Opening deposits range from $2,500 – $250,000. Option to have interest deposited directly into USECU checking or savings account.
3.69% interest rate · Effective Oct 1, 2026
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More details - InTouch Credit UnionHYRC CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000with conditionsRequirements
Product: High-Yield Rewards Checking Account required.
Offer: High-Yield Rewards Checking Account required.
Qualified rate · 3.69% interest rate · Effective Oct 13, 2026
Rate checked
More details - Philadelphia Federal Credit UnionJumbo CertificateCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.68% interest rate
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More details - Citadel Credit UnionCitadel Standard CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Minimum deposit to open and earn standard APY is $500. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). No deposits permitted after establishment. Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies. $10 closing service fee (if applicable).
3.69% interest rate
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More details - Sun Community Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Fixed rate. Interest is compounded and credited monthly.
Offer: Early withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more.
3.69% interest rate · Effective Oct 7, 2026
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More details - Firelands Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
3.68% interest rate · Effective May 1, 2026
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More details - Greater Community CUTerm Share CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. APY based on interest paid monthly and interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
3.69% interest rate · Effective Oct 13, 2026
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More details - Christian Financial Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.
Offer: 36-Month Certificate; Minimum Balance $500.
3.69% interest rate · Effective Oct 16, 2026
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More details - Shoreline Hometown Credit UnionBump-Up Flex CertificateCD · 36 months · $5,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000intro rateRequirements
Product: Allows continuous deposits anytime. Offers up to three rate bumps over the certificate term. $5,000 new money deposit. Penalty for early withdrawal is half of the interest earned over the term.
Offer: $5,000 new money deposit. Allows up to 3 rate bumps over term.
Promotional rate · 3.70% interest rate · Effective Oct 16, 2026
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More details - Community West Credit UnionCertificate of DepositCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Penalty may be imposed for early withdrawal. Add-on CDs available.
Offer: Penalty may be imposed for early withdrawal.
3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - Citizens BankCertificates of Deposit (CDs)CD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Effective Oct 1, 2026
Rate checked
More details - Workers Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.
Offer: Tier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly.
3.69% interest rate · Compounded daily · Effective Oct 15, 2026
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More details - Wings Credit UnionFlex CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.
3.69% interest rate · Effective Oct 15, 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