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 721–735 results
- 3.75%APY$1,168 over 36 months on $10,000intro rate
Requirements
Offer: Standard rate. 180 day interest early withdrawal penalty applies.
Promotional rate
Rate checked
More details - Wave Federal Credit UnionShare 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: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.69% interest rate · Effective Oct 7, 2026
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 36 months · $500 min · 3.75%–3.80% by balance
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: 3 Year (36 Month) CD. Interest paid annually. Early withdrawal penalty may apply.
3.75% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 3.75% Over $99,999 3.80% Rate checked
More details - Scott Associates Credit Union IncShare 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: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.
Offer: Second Qtr Dividend Rates. Rate subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.
3.82% interest rate
Rate checked
More details - Wellby FinancialWellby 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: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
Offer: Bump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 270 days dividends.
Qualified rate · 3.68% interest rate · Effective Oct 1, 2026
Rate checked
More details - BRAZOS VALLEY SCHOOLS CREDIT UNIONCertificate AccountCD · 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: Compounded and credited quarterly. Average Daily Balance Method used to calculate interest. Dividends accrue on business day funds are deposited. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: up to 180 days dividends. Additional deposits at maturity.
3.70% interest rate · Effective Sep 26, 2026
Rate checked
More details - Spirit Financial CUShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,0003.69% interest rate · Effective Oct 6, 2026
Rate checked
More details - Riverfront Federal Credit UnionNonpreferred CertificatesCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Available to members who live, work, worship, or attend school in Berks County, PA, or eligible family/legal entities with a $5.00 savings deposit. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Fixed to maturity. Subject to early withdrawal penalty.
Effective Oct 1, 2026
Rate checked
More details - Journey BankCertificates of DepositCD · 36 months · $500 min · 2.75%–4.00% by balance
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: $500 minimum deposit to open. Term options from 3 months to 5 years. Interest compounded quarterly. Early withdrawal penalty may apply.
Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $2,000 2.75% $2,000 – $10,000 3.25% $10,000 – $50,000Your amount 3.75% $50,000 and up 4.00% Rate checked
More details - SRI Federal Credit UnionRegular 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: Dividends paid monthly. Early withdrawal penalties apply.
Effective Oct 1, 2026
Rate checked
More details - Aerospace Federal Credit UnionShare Certificate AccountCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000intro rateRequirements
Product: Dividends post monthly and at maturity. Funds from an existing AFCU account (share or loan) or an external account can be used to fund the account (except for 9-month certificate which requires new money). Early withdrawal penalties apply.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - ServU Credit UnionShare CertificateCD · 36 months · $1,000 min · 3.75%–3.96% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000intro rateRequirements
Product: $1000 minimum balance required. Early withdrawal penalty may be imposed. Dividends posted quarterly. Jumbo Share Certificate = $100,000 or more.
Offer: Early withdrawal penalty may be imposed. $1000 minimum balance required.
Promotional rate · 3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.75% $100,000 and up 3.96% Rate checked
More details - G.P.O. Federal Credit UnionTerm 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 $10,000intro rateRequirements
Product: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: Fixed dividend rate; 150 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed.
Promotional rate · 3.69% interest rate · Effective Aug 3, 2026
Rate checked
More details - Peoples State BankCertificates of Deposit (CDs)CD · 36 months · $250 min · 3.65%–3.85% by balance
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: 1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.
3.60% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $250 – $10,000 3.65% $10,000 – $35,000Your amount 3.75% $35,000 and up 3.85% Rate checked
More details - PrimebankCertificates of DepositCD · 36 months · $1,000 min · 3.00%–3.75% by balance
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.00% $10,000 and upYour amount 3.75% Rate checked
More details
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank