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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.

Term
Type a ZIP code, city, county, metro area or state, then choose a suggestion with the arrow keys and Enter.

Top CD rates

Showing 106–120 results

  1. Signal FinancialShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000
  2. AMOCO Federal Credit UnionBump-Up CertificatesCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000
  3. Top Carrot, Carrot Score 92
    Home Bank of CaliforniaCertificates of DepositCD · 36–47 months · $10,000 min

    Bank · Add a location to see nearby branches

    4.35%APY
  4. TEG Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000
  5. Top Carrot, Carrot Score 91
    Bank of WashingtonCertificate of DepositCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000
  6. Top Carrot, Carrot Score 88
    KS StateBankChoose your Term CDCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000
  7. Top Carrot, Carrot Score 95
    GFA FCUTerm Share CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000
  8. Top Carrot, Carrot Score 88
    Elevate Credit UnionTraditional CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000
  9. New Heights Federal Credit UnionShare Certificate of DepositCD · 36 months · $5,000 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,363 over 36 months on $10,000intro rate
  10. Top Carrot, Carrot Score 92
    Duke Credit UnionShare CertificateCD · 25–36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.34%APY
  11. Top Carrot, Carrot Score 87
    WEE Federal Credit UnionCertificates of DepositCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.34%APY$1,359 over 36 months on $10,000
  12. Top Carrot, Carrot Score 92
    Connecticut State Police Credit UnionCertificates of DepositCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.33%APY$1,357 over 36 months on $10,000
  13. HFS Federal Credit UnionShare CertificatesCD · 36 months · $2,500 min

    Credit union · Add a location to see nearby branches

    4.33%APY$1,356 over 36 months on $10,000
  14. Top Carrot, Carrot Score 89
    DeWitt Savings BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.33%APY$1,356 over 36 months on $10,000
  15. The Seymour BankCertificates of DepositCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.32%APY$1,353 over 36 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.

What 3-year CDs pay nationwide

4,162 CDs at 3,674 banks and credit unions · checked Oct 15–22

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

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions
Best 3-Year CD Rates of October 2026 | Carrot Rate