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 61–75 results
- Langley Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Requires $5 deposit to Langley savings account for membership. Early withdrawal penalties apply (90 days dividends for 3-6 months, 180 days dividends for 12 months or greater). Dividends compound monthly.
4.31% interest rate
Rate checked
More details - Mountain America Credit UnionStandard CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - Mountain America Credit UnionGrowth CertificateCD · 36 months · $5 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
4.31% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - Synchrony BankCertificate of Deposit (CD)CD · 36 months · $0 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.30% interest rate · Effective Oct 22, 2026
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APYRequirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.31% interest rate · Effective Oct 21, 2026
Rate checked
More details - Cyprus Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
4.31% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cyprus Credit UnionDream CertificateCD · 36 months · $20 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
Offer: Earns traditional certificate APY.
4.31% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
Rate checked
More details - Waukesha State BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Rates and terms apply to regular and jumbo CDs up to $1 million. Advance approval required over $1 million. Penalty for early withdrawal may apply. Fees could reduce earnings.
Offer: APY compounded monthly.
4.31% interest rate · Compounded monthly · Balance cap $1,000,000
Rate checked
More details - First National Bank of SteelevilleCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Guaranteed, fixed rates for the length of term. Minimum opening deposit varies based on term. A penalty may be imposed for early withdrawal.
Offer: 36 Month CD. A penalty may be imposed for early withdrawal.
Effective Oct 15, 2026
Rate checked
More details - Banterra BankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open and earn desired APY on all Banterra CDs. Online applicants must be 18 years old, a US citizen with a US address, and resident of AZ, CO, ID, IL, IN, KY, MO, or UT.
Offer: Promotional rate special. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - E*TRADE from Morgan StanleyCertificates of DepositCD · 36 months · $0 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000intro rateRequirements
Product: Fixed rates. Open minimum $0. Early withdrawal penalties apply.
Promotional rate · 4.31% interest rate · Effective Oct 16, 2026
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min · 4.30%–4.50% by balance
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 4.30% $10,000 – $24,999Your amount 4.40% $25,000 – $99,999 4.40% $100,000 – $250,000 4.45% Over $250,000 4.50% Rate checked
More details - Luana Savings BankCertificate of Deposit (CD)CD · 36 months · $2,000 min · 4.40%–4.55% by balance
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Requirements
Product: Open online nationwide or at any branch. $2,000 minimum opening deposit (excludes Kid's CD). No setup or maintenance fees.
4.35% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $2,000 – $100,000Your amount 4.40% $100,000 and up 4.55% Rate checked
More details - Farmers & Merchants State BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000intro rateRequirements
Product: Early withdrawal of funds is subject to penalty. Rate is based on term length.
Offer: 10 for 10 Specials. Compounded annually. No IRA or HSA.
Promotional rate · 4.40% interest rate · Compounded annually
Rate checked
More details - Utah First Credit UnionTraditional Term DepositCD · 36 months · $2,000 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000Rate 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
4,162 CDs at 3,674 banks and credit unions · checked Oct 15–22
- 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