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 811–825 results
- Freedom Federal Credit UnionRegular Share CertificateCD · 36 months · $300 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.
Offer: $300 minimum opening deposit ($5 for youth club members under 18)
Promotional rate · 3.65% interest rate · Effective Sep 25, 2026
Rate checked
More details - Vantage West Credit UnionCertificates (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000with conditionsRequirements
Product: Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
Offer: Standard rate. Monthly fee waived with eStatements.
Qualified rate · Effective Oct 2, 2026
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More details - NorthCountry Federal Credit UnionCertificatesCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.
Rate checked
More details - State Savings BankCertificate of DepositCD · 36 months · $2,000 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: Deposit accounts are only available to residents of Iowa in Polk, Jasper, and surrounding counties. Substantial penalty for early withdrawal. Interest compounds quarterly. CD Rate Advantage: Once during the term, you may exchange your interest rate for the current 48-month CD rate. The new rate will equal the rate of the applicable tier based on your CD balance.
3.55% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $2,000 – $10,000 3.60% $10,000 – $50,000Your amount 3.70% $50,000 – $245,000 3.80% Over $245,000 3.70% Rate checked
More details - Openland Credit UnionTerm 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: Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
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More details - Washington Savings BankCertificates 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: Must be opened in person by the primary account holder with proper identification. After opening, deposits or withdrawals are not permitted until maturity without penalty. Auto-renews at maturity; 10 calendar days grace period. Current rates effective as of September 29, 2026.
Offer: 36 Month Bump Rate CD. Interest compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest. Rate paid until maturity unless bump option is exercised in person in writing; bump does not extend maturity date; new rate paid from bump date to end of original term; allowed one time during each term/renewal period.
3.65% interest rate · Effective Sep 29, 2026
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More details - Great Meadow Federal Credit UnionShared CertificatesCD · 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: Membership eligibility required. Dividends compounded at maturity. Early withdrawal forfeits earned dividends while principal balance remains intact.
Offer: Dividends compounded at maturity. Early withdrawal forfeits earned dividend.
Effective Sep 1, 2026
Rate checked
More details - Drake BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.
3.70% interest rate · Effective Oct 5, 2026
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More details - Dort Financial Credit UnionTerm 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: Subject to penalty for early withdrawal. Rates subject to change.
3.65% interest rate
Rate checked
More details - Madison Fire Department Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Offer: 36 Month term. Requires $500 minimum balance.
3.64% interest rate · Effective Sep 14, 2026
Rate checked
More details - TTCU Federal Credit UnionCertificatesCD · 36 months · $1,000 min · 3.70%–4.10% by balance
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Higher dividend rates earned by locking in deposits for a specified period of time. Minimum deposits: $1,000 for standard certificates, $50,000 for jumbo rates, $200,000 for super jumbo rates. 45-day to 60-month terms available. Penalty may be imposed for early withdrawal depending on term and amount; fees could reduce earnings.
Offer: Early withdrawal penalty applies.
3.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.70% $50,000 and upJumbo rate tier. 3.90% $200,000 and upSuper jumbo rate tier. 4.10% Rate checked
More details - Indiana Members Credit UnionCertificatesCD · 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 savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
Offer: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal.
3.64% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - Commerce Bank & TrustCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 36 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.63% interest rate · Effective Oct 5, 2026
Rate checked
More details - ABNB Federal Credit UnionCertificatesCD · 36 months · $1,000 min · 3.70%–3.75% by balance
Credit union · Add a location to see nearby branches
3.70%APY$1,152 over 36 months on $10,000Requirements
Product: ABNB Certificates require a minimum deposit of $1,000. Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn.
3.64% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.70% $100,000 and up 3.75% Rate checked
More details - Latino Community Credit UnionShare Term Certificates RegularCD · 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: Must be a Latino Community Credit Union member. Interest accrues daily, but is not compounded. Dividends paid out to a separate LCCU account.
3.70% interest rate · Effective Oct 1, 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