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 1096–1110 of 4,164 results
- Great North BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.53%APY$1,096 over 36 months on $10,000Requirements
Product: Interest compounded and credited monthly. Assumes interest remains on deposit until maturity; withdrawal or paying interest out reduces earnings. Closing account before interest is credited forfeits accrued interest.
Effective May 20, 2026
Rate checked
More details - Peoples Trust & Savings BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.52%APY$1,094 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum opening deposit of $500.00. Rates are subject to change without notice.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Effective Jul 14, 2026
Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 36 months · $1,000 min · 3.51%–3.71% by balance
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
Offer: Tier 1
3.45% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $50,000Your amount 3.51% $50,000 – $99,000Tier 2 3.61% $99,000 and upTier 3 3.71% Rate checked
More details - Academy BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/23/2026 and subject to change.
Offer: 36-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 183 - <60 Months: 1 year loss of interest.
Effective Oct 23, 2026
Rate checked
More details - Muskogee Federal Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.45% interest rate · Effective Jun 17, 2026
Rate checked
More details - Sunlight Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply.
Offer: Dividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest.
3.45% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - Illinois Educators CUCertificate RatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Offer: Minimum Deposit $1,000.00.
3.45% interest rate · Effective Oct 16, 2026
Rate checked
More details - Greylock Federal Credit UnionTerm Share CertificateCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Dividend Rate and APY are fixed for the term. Fixed APY assumes dividends remain on deposit until maturity. Compounded daily, credited monthly. Additional deposits not permitted after opening. Automatically renewable with a 7-day grace period. Early withdrawal penalty applies.
Offer: 36-Month term. Early withdrawal penalty is 6 months' dividends.
3.45% interest rate · Compounded daily · Effective Aug 17, 2026
Rate checked
More details - Credit Union For AllCertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: $500 minimum balance. Dividends paid monthly. Effective December 1, 2025. *APY = Annual Percentage Yield. Dividends paid monthly. A penalty will be assessed for early termination.
Offer: Term: 36 months
3.45% interest rate · Effective Dec 1, 2025
Rate checked
More details - Kings Federal Credit Union36 Month CertificateCD · 36 months · $1,000 min · 3.51%–3.61% by balance
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
3.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Certificate Balance APY $1,000 and up 3.51% $10,000 and upYour amount 3.51% $75,000 and up 3.61% Rate checked
More details - Impact Credit UnionShare Certificate AccountsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Dividends compounded and paid quarterly. $500.00 minimum daily balance required to earn dividends. Penalty for early withdrawal.
Offer: Dividends compounded and paid quarterly. $500.00 minimum daily balance required to earn dividends. Penalty for early withdrawal.
3.45% interest rate · Effective Oct 5, 2026
Rate checked
More details - Infuze Credit UnionShare CertificatesCD · 36 months · $500 min · 3.46%–3.56% by balance
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Personal accounts only. Minimum opening balance to earn APY is $500 for standard share certificates. Early withdrawal penalties apply. Rates not available on IRA certificates. Automatically renews at maturity with a 10-day grace period. Membership required.
3.41% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $9,999 3.46% $10,000 – $24,999Your amount 3.51% $25,000 and up 3.56% Rate checked
More details - Johns Hopkins Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
3.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - Empower Blue Credit UnionShare CertificatesCD · 36 months · $500 min · 3.51%–3.76% by balance
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000Requirements
Product: Open a certificate with as little as a $500 minimum deposit. Early withdrawal penalties may apply.
Offer: Average daily balance required to earn dividends: $500.
3.45% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.51% $50,000 and up$50,000+ Jumbo rate. 3.76% Rate checked
More details - American Spirit Federal Credit UnionTerm Certificate SpecialCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.51%APY$1,090 over 36 months on $10,000intro rateRequirements
Product: Membership eligibility required. Special rates are only available for new funds to American Spirit FCU.
Offer: Available for new funds to American Spirit FCU only. Membership eligibility required.
Promotional rate · 3.50% interest rate · Balance cap $250,000 · Effective Jan 1, 2024
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
4,164 CDs at 3,670 banks and credit unions · checked Oct 22–25
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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