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 991–1005 of 4,153 results
- ACCESS Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: With initial $5.00 deposit into savings account and a one-time Membership Fee of $1.00, eligible for all Access Credit Union products and services. Dividends paid quarterly. Penalties apply for early withdrawals.
Effective Oct 16, 2026
Rate checked
More details - South Bend Firefighters Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: A minimum of $1000 is required to open a share certificate. 3 to 48 month terms. Dividends can be compounded monthly and are available monthly or at maturity depending on the member's desire. Share Certificate Rates are subject to change. Share Certificates subject to early withdrawal penalty: forfeit 180 days dividend.
Offer: Early Withdrawal Penalty: forfeit 180 days dividend. Rates subject to change.
3.50% interest rate · Compounded monthly · Effective Jan 29, 2026
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More details - Maine Highlands Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Rates quoted monthly (rate fixed for the term of the certificate). Dividends pay monthly, calculated at simple interest and compounded monthly.
Offer: A penalty may be imposed for early withdrawal.
3.50% interest rate · Compounded monthly · Effective Oct 15, 2026
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More details - Picatinny Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: The minimum balance required to open a Certificate is $500.00. Must open a savings account with a minimum deposit of $5.00 to qualify for membership. Early withdrawal penalties apply.
Offer: Early withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly.
3.50% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - White Sands Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000with conditionsRequirements
Product: Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
Offer: Requires a Platinum or Silver Debit Account
Qualified rate · 3.50% interest rate
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More details - Kirtland Credit UnionShare CertificateCD · 36 months · $500 min · 3.45%–3.71% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.
3.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $4,999 3.45% $5,000 – $9,999 3.51% $10,000 – $49,999Your amount 3.56% $50,000 – $99,999 3.61% $100,000 – $199,999 3.66% $200,000 and up 3.71% Rate checked
More details - Treasury Department FCUCertificate AccountsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: A Share Savings Account is required to be a member of TDFCU. Compounded daily and credited monthly. Penalty imposed for early withdrawal before maturity.
Offer: Compounded daily, credited monthly. Early withdrawal penalty applies.
3.50% interest rate · Compounded daily · Effective Oct 1, 2025
Rate checked
More details - SESLOC Credit UnionTraditional Share CertificateCD · 36 months · $1,000 min · 3.56%–3.71% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Dividends compound monthly. Early withdrawal penalties apply. Partial early withdrawal reducing principal below tier minimum results in account closure. Minimum opening deposit $1,000.
3.50% interest rate
Rate by balance
Rate by balance for Traditional Share Certificate Balance APY $1,000 – $50,000Your amount 3.56% $50,000 – $100,000 3.61% $100,000 – $200,000 3.66% $200,000 and up 3.71% Rate checked
More details - Quest Federal Credit UnionShare CertificateCD · 36 months · $1,000 min · 3.30%–3.82% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: The minimum balance to open a Share Certificate is $1000.00 ($500.00 for minors age 18 and under). A higher rate is paid on share certificates $10,000.00 and over. Dividends on share certificates are paid monthly and can be posted to the share certificates balance, deposited into a Share or Share Draft Account or mailed to the member in a check. No additional funds may be added to the share certificates until the maturity date. Withdraws before the maturity date will incur an early withdraw penalty. share certificates will automatically renew for the same term at maturity, at the current rate. There is a 10 day grace period after maturity in which you the member may make changes or redeem the share certificates.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.30% $10,000 and upYour amount 3.56% $75,000 and up 3.82% Rate checked
More details - Lufthansa Employee Federal Credit UnionCertificate AccountCD · 36 months · $5,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000intro ratePromotional rate · 3.50% interest rate · Effective Oct 1, 2026
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More details - Lake Huron Credit UnionCertificates of DepositCD · 36 months
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,0003.50% interest rate
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More details - River Valley Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Fixed rates in effect for the term of the account. Dividends compounded and credited monthly. Dividends calculated using Average Daily Balance method. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less; 180 days' dividends for terms of more than 12 months. Automatically renews upon maturity with a 10-day grace period. After account is started, additional deposits may not be made.
3.50% interest rate · Effective Apr 22, 2026
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More details - First National Bank of Eastern Arkansas3 Year CDCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal (3 Year CD: 182 days). Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Fees may reduce earnings.
Offer: Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Early withdrawal penalty: 182 days.
3.50% interest rate · Effective Aug 9, 2023
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More details - Peake Federal Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,0003.50% interest rate
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More details - Lafayette Federal Credit UnionVariable-Rate Certificate AccountsCD · 36 months · $50 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Dividends compounded and credited monthly. Must establish membership with Lafayette Federal Credit Union, or be an existing member. Can make additional deposits at any time.
3.50% interest rate · Effective Sep 23, 2026
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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
4,153 CDs at 3,660 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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