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 871–885 results
- Smart Financial Credit UnionCertificates of DepositCD · 36 months · $1,000 min · 3.65%–3.85% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.
Offer: Standard Certificate tier. Daily balance method.
3.59% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 3.65% $50,000 and upMini Jumbo Certificate tier. 3.85% $100,000 and upJumbo Certificate tier. 3.75% Rate checked
More details - Texas DPS Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Membership share account required for all savings, checking, Certificates, and IRA accounts. Early penalty may be assessed for early withdrawal. Open with a minimum deposit of $500.00 to earn APY. All Certificate rates and information are subject to change without prior notice. Restrictions do apply, minimum initial deposit is $500.00. Penalty for early withdrawal may reduce earnings.
Offer: Dividends compounded monthly. Minimum deposit of $500.00 to earn APY. Penalty for early withdrawal may reduce earnings.
3.59% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Amplify Credit UnionPersonal Certificate of Deposit (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.
Offer: Minimum balance of $500 required to obtain advertised APY. Amount is locked once transferred.
3.60% interest rate · Effective Oct 6, 2026
Rate checked
More details - United Heritage Credit UnionCertificate of Deposit (CD)CD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Membership/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.
Offer: Dividends paid and compounded quarterly.
3.60% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate checked
More details - Velocity Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 3 years (36 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 2026
Rate checked
More details - InvesTex Credit UnionCertificate of DepositCD · 36 months · $1,000 min · 3.65%–3.95% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,0003.59% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.65% $50,000 and upJumbo ($50K plus) 3.95% Rate checked
More details - Citizens Bank & Trust Co.CertificatesCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.60% interest rate · Effective Oct 5, 2026
Rate checked
More details - Earlham BankCertificates of DepositCD · 36 months · $1,000 min · 3.65%–3.80% by balance
Bank · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Terms range from 91 days to 60 months. Early withdrawal penalties may apply.
Offer: Term: 36 Months. Interest Paid: Quarterly. Automatically Renewable: Yes.
3.60% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $15,000Your amount 3.65% $15,000 and up 3.80% Rate checked
More details - North Star Community Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.
3.60% interest rate · Effective Sep 30, 2026
Rate checked
More details - CFCCUShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000intro rateRequirements
Product: Compounded quarterly. Dividend rates fixed when opened. Penalty for early withdrawal. $1,000 minimum deposit.
Promotional rate · 3.60% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Veridian Credit UnionStandard CDCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
3.60% interest rate · Effective Sep 25, 2026
Rate checked
More details - Cloverbelt Credit UnionCertificatesCD · 36 months · $1,000 min · 1.75%–3.65% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Certificates may have penalty imposed for early withdrawal. Rates subject to change without notice. Minimum balance requirements vary by term and tier.
1.74% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 1.75% $5,000 and upYour amount 3.65% Rate checked
More details - Isabella Community Credit UnionCertificates of DepositCD · 36 months · $500 min · 3.45%–3.65% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 3.45% $10,000 and upYour amount 3.65% Rate checked
More details - Arbor Financial Credit UnionCertificate of Deposit (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100). Rate remains the same throughout the term. Automatically renews unless different option selected.
Offer: Explorer's Club members have a minimum of $100.
Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Dow Credit UnionStandard CDsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,135 over 36 months on $10,000Requirements
Product: Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in account until maturity. Early withdrawal penalty may apply.
3.59% interest rate · Effective Oct 1, 2026
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%
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Top Carrot institutions
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- Synchrony BankBank