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 946–960 results
- SalemVA Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
3.54% interest rate · Effective Oct 15, 2026
Rate checked
More details - Fidelis Catholic Credit UnionShare CertificatesCD · 36–47 months
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Membership eligibility applies. Fees or withdrawals may reduce earnings. APY and interest rates may change after account opening.
Offer: Compounded monthly.
3.54% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - Columbine FCUJumbo Share CertificatesCD · 36 months · 3.60%–3.65% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Exclusively for balances of $100,000.00 and greater. Early withdrawal penalties apply. Federally insured by NCUA.
Effective Feb 2, 2026
Rate by balance
Rate by balance for Jumbo Share Certificates Balance APY Any balanceYour amount 3.60% $100,000 and upEarly withdrawal penalty: 180 days dividends. 3.65% Rate checked
More details - Freedom Federal Credit UnionRegular Share CertificateCD · 36 months · $300 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 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: 36-Month Bump-Up; members have the option once during the term to elect in writing to receive the higher rate being offered on Bump-Up Share or IRA Certificates
Promotional rate · 3.55% interest rate · Effective Sep 25, 2026
Rate checked
More details - Lone Star Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Effective Oct 6, 2026
Rate checked
More details - Americo FCUShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000intro rateRequirements
Product: Rates fixed at time of purchase. Dividends do not compound on the share certificate; paid into primary share account. Early withdrawal penalty may apply. Current rates apply to new money deposited from outside Americo FCU only.
Offer: Applies to new money only.
Promotional rate · 3.60% interest rate · Effective Sep 30, 2026
Rate checked
More details - KEMBA Financial Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000with conditionsRequirements
Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
Offer: Everyday APY.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - Community SavingsCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,0003.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - First National Bank of Moose LakeCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000intro rateRequirements
Product: A Certificate of Deposit (CD) account is a time deposit account. Automatically renewable, unless you withdraw the funds at maturity. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Early withdrawal penalty: 1 year.
Promotional rate · 3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Health Advantage Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal. Automatically renewable with a 10-day grace period.
Offer: Early withdrawal penalty: 180-day dividend penalty for terms > 365 days.
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - Governmental Employees Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000intro rateRequirements
Product: Membership eligibility required. Early withdrawals are subject to penalty. No monthly maintenance fees or setup fees.
Offer: Early withdrawals are subject to penalty.
Promotional rate · 3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Family Federal Credit UnionCertificate of Deposit (CD)CD · 36 months · $1,000 min · 3.60%–3.90% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Accrues interest. A penalty for early withdrawal may be imposed (no less than 120 days dividends, whether earned or not earned).
Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and upYour amount 3.60% $100,000 and upJumbo CD 3.90% Rate checked
More details - Willis Knighton Federal Credit UnionShare CertificatesCD · 36 months
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Advertised rates are subject to change without notice. Early Withdrawal Penalties May Apply.
Offer: Early Withdrawal Penalties May Apply. Advertised Rates are subject to change without notice.
3.55% interest rate · Effective Sep 30, 2026
Rate checked
More details - Central One Federal Credit UnionPremium CertificatesCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000with conditionsRequirements
Product: Must open and maintain a Premium Checking account (requires member to be at least 18 years of age and have minimum monthly direct deposit of $1,500 into Premium Checking). Minimum balance of $10,000 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - Industrial Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Fixed dividend rate for the term of the account. Dividends compounded and paid quarterly. Substantial penalty for early withdrawal. Automatically renews for a term equal to the original at prevailing rate. No setup or maintenance fees.
3.55% interest rate · Effective Oct 2, 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
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank