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 796–810 results
- Security BankUSACertificate of DepositCD · 36 months · $500 min · 3.44%–3.80% by balance
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Rates current as of October 23, 2026. Interest rate is paid on the entire balance. Interest Rate and APY may change after account is opened. Fees may reduce earnings certificate. Early withdrawals are subject to penalty. 36, 48, & 60 Month Certificate of Deposit are option CDs, which allows you to change the rate once during the term of the certificate.
Offer: Option CD: allows changing the rate once during the term of the certificate.
3.40% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $10,000 3.44% $10,000 – $25,000Your amount 3.70% $25,000 – $1,000,000,000 3.80% Rate checked
More details - Conservation Employees Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Quarterly compounding. Subject to a 90-day early withdrawal penalty.
3.65% interest rate · Effective Oct 20, 2026
Rate checked
More details - Members First Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
Offer: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Early withdrawal penalty may apply.
3.64% interest rate · Effective Oct 23, 2026
Rate checked
More details - B&V CUShare CertificateCD · 36 months · $2,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: $2,000 minimum for terms from 6 months to 48 months. $10,000 minimum for 60-month certificate. Early withdrawal penalties apply. Federally insured up to $250,000 by NCUA.
Offer: $2,000 minimum for terms from 6 months to 48 months.
Rate checked
More details - National Grand BankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,0003.64% interest rate · Effective Oct 21, 2026
Rate checked
More details - Redstone Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Compounding option. Dividend rate is 3.65%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
3.65% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Andrews Federal Credit UnionFixed Rate Share CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Must open and maintain a minimum $1,000 balance to earn advertised 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 $1,000 balance to earn advertised APY. Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - Andrews Federal Credit UnionRaise Your Rate Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Offers up to a maximum of 3 opportunities to request a rate raise to the current Fixed Rate Share Certificate rate of the same term. Account must be opened for at least 6 months before first rate raise, and at least 6 months between raises. Minimum $1,000 deposit and balance. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - Utilities Employees Credit UnionAdvantages Certificate of DepositCD · 36 months · $500 min · 3.60%–3.80% by balance
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Opening balance and minimum balance of $500 for all certificates. APY assumes dividends remain in the account until maturity and minimum balance is maintained. After opening, additional deposits cannot be made during the term. Penalty imposed for early withdrawal.
3.54% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Advantages Certificate of Deposit Balance APY $500 – $10,000 3.60% $10,000 – $75,000Your amount 3.70% $75,000 and up 3.80% Rate checked
More details - Logix Federal Credit UnionRegular CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Platinum Tier APY. 36-Month term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 36 months · $1,000 min · 3.60%–3.70% by balance
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Check Plan (Interest via check); balance less than $10,000. Convertible at half term without penalty.
3.60% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.60% $10,000 and upYour amount 3.70% Rate checked
More details - Alliance Credit UnionCertificates of DepositCD · 36 months · $0 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
3.65% interest rate · Compounded quarterly
Rate checked
More details - Dairy State BankCertificates of DepositCD · 36 months · $1,000 min · 3.60%–3.80% by balance
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Rates, terms and conditions are subject to change. Fees and withdrawals could reduce earnings. A penalty may be charged for early withdrawal on CDs, IRAs, and Christmas Clubs. Certificates of Deposits and IRAs automatically renew.
3.60% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.60% $10,000 and upYour amount 3.70% $30,000 and up 3.80% Rate checked
More details - Bank of ZacharyCertificates of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: No monthly service charge. Automatic renewals. Fixed interest rate for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
3.65% interest rate · Effective Oct 16, 2026
Rate checked
More details - ANB BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Minimum opening deposit is $1,000. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
Offer: 36 Month term. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
3.65% interest rate · Effective Oct 13, 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