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 1171–1185 of 4,164 results
- Beacon Federal Credit UnionCertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Compounding monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Early withdrawal penalty applies. Minimum balance for kids/Youth Certificates is $500.00. Jumbo Certificates: $90,000 minimum; rates vary.
3.45% interest rate · Effective Oct 6, 2026
Rate checked
More details - Wellby FinancialWellby CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000with conditionsRequirements
Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
Offer: Standard rate. Fixed rate until maturity. Early withdrawal penalty of 270 days dividends.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - City Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Minimum balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
Effective 2026-09
Rate checked
More details - FAST Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Dividends paid monthly. APY based on minimum balance and other qualifications met. Fixed rate type, additional deposits not allowed, renewable automatically with 10 day grace period. Early withdrawal penalty may apply.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - PSFCUTerm Share AccountCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Offer: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply.
3.44% interest rate
Rate checked
More details - Associated Healthcare Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - Co-op Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
3.45% interest rate · Effective Sep 29, 2026
Rate checked
More details - Mid Minnesota Federal Credit UnionTraditional Term Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000intro rateRequirements
Product: Minimum deposit of $500. Terms vary from 3 to 48 months.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Green Belt Bank & TrustCertificates of Deposit (CDs)CD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal. 6-month CDs: semi-annual compounding. 12–60 month CDs: annual compounding.
Offer: Annual compounding. Penalty for early withdrawal.
Rate checked
More details - Wexford Community Credit UnionCertificate of Deposit (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Membership required (established Regular Share Account). Dividend rate and APY will remain at the rate at which opened. Kept to maturity to gain full APY; early withdrawal penalties and fees may reduce earnings.
Effective Apr 17, 2026
Rate checked
More details - Heartland Credit UnionCertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000intro rateRequirements
Product: Certificates rates are fixed for the term when the account is opened. Early withdrawal penalties may apply. Fees may reduce earnings.
Promotional rate · 3.46% interest rate · Effective Oct 4, 2026
Rate checked
More details - Prospera Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates subject to change without notice.
Offer: Minimum Balance to Earn APY: $500.
3.45% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Union State BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: $1,000 minimum deposit. Penalty for early withdrawal. Fees may reduce earnings.
3.46% interest rate · Effective Sep 25, 2026
Rate checked
More details - Home Bank & Trust CompanyCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Interest compounding and payment frequency of interest varies depending on the product type.
Rate checked
More details - Credit Union of AmericaShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Membership required. Minimum $500 to open. Dividends paid monthly. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval.
3.45% interest rate · Effective Sep 29, 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
4,164 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank