Best 3-year CD rates

Requirements

Product: Rates are subject to change at any time without notice. Available with a compounding or non-compounding option. Early withdrawal penalty: 3 months and 6 months: all dividends accrued penalty; 1 to 2.5 years: 6 months of dividends accrued penalty; 3-5 years: 9 months of dividends accrued penalty.

Offer: Term: 36 Months. Early withdrawal penalty: 9 months of dividends accrued penalty.

Requirements

Product: For individual depositors. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.

Offer: Early withdrawal penalty: 365 Days.

Requirements

Product: $1,000 minimum balance to maintain. Deposits are only allowed at time of opening and maturity. Penalty for early withdrawal. Membership conditions may apply.

Offer: Dividends compounded and paid monthly. Early withdrawal penalty applies. Automatic renewal at maturity for the same term with new available rate if no instructions given.

Requirements

Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 19, 2026.

Offer: Minimum average daily balance to earn APY is $500.

Requirements

Product: Dividends compounded and credited quarterly. Minimum $500 deposit per certificate. Fixed rate for the term of the account. Penalty may be imposed for early withdrawal. Automatically renewable with a 7-day grace period. No additional deposits permitted after opening.

Requirements

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: Non-compounding option. Dividend rate is 3.65%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.

Requirements

Product: Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.

Offer: Dividends are compounded and credited quarterly and at maturity.

Requirements

Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.

Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)

Requirements

Product: Membership is required. Low minimum deposit of $500. A penalty may be imposed for early withdrawal.

Offer: A penalty may be imposed for early withdrawal equal to 365 days' dividends. Minimum balance $500. Opening deposit minimum $500.

Requirements

Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.

Requirements

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.

Requirements

Product: Minimum balance to open is $500. Early withdrawal penalties apply.

Requirements

Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.

Requirements

Product: *APY on Savings accounts and CD's are based on quarterly compounding of interest except for 3 and 6 month which are paid at maturity. *A service fee will be charged if balance falls below minimum balance. Seniors and students may be exempt from the monthly service fees. A penalty may apply for early withdrawal on Time Certificates of Deposit.

Offer: Quarterly compounding of interest.

Requirements

Product: Early withdrawal penalties may apply to certificates. Fees may reduce earnings. Minimum to open is $500. Add-on deposit option is not available.