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 1306–1320 of 4,164 results
- Westminster Federal Credit UnionShare CertificatesCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Dividends compounded daily and credited quarterly. Additional deposits are not allowed on Share Certificates. Early withdrawal penalty is 180 days.
3.39% interest rate · Compounded daily
Rate checked
More details - Cabrillo Credit UnionShare CertificatesCD · 36 months · $2,000 min · 3.40%–3.50% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,0003.35% interest rate · Effective Jun 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $2,000 – $9,999 3.40% $10,000 – $49,999Your amount 3.45% $50,000 and up 3.50% Rate checked
More details - Missouri Central Credit UnionShare CertificatesCD · 36 months · $500 min · 3.20%–3.45% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,070 over 36 months on $10,000Requirements
Product: Interest is paid quarterly on the average daily balance. Penalty for early withdrawal. Rates subject to change weekly. May be used as collateral for a loan.
Offer: Interest is paid quarterly. Rates are subject to change weekly. Penalty for early withdrawal will decrease the yield.
Effective Jul 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.20% $10,000 and upYour amount 3.45% Rate checked
More details - Sunflower Community Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.44%APY$1,069 over 36 months on $10,000Requirements
Product: Dividends paid quarterly. Early withdrawal penalties will apply. A share account must be opened and maintain a balance of $5.00 before other services are offered.
Offer: Dividends paid quarterly. Early withdrawal penalties will apply.
3.40% interest rate
Rate checked
More details - Michigan United Credit UnionCertificateCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.44%APY$1,068 over 36 months on $10,000Requirements
Product: Early withdrawals are subject to a penalty equal to 90 days' interest, which may reduce the principal. APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, interest will not compound and APY will not apply; only the stated interest rate will apply.
Offer: Early withdrawals are subject to a penalty equal to 90 days' interest. APY assumes interest remains in the certificate and is compounded.
3.40% interest rate · Effective Oct 23, 2026
Rate checked
More details - Freedom BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.44%APY$1,068 over 36 months on $10,000Requirements
Product: Available with terms from seven days to five years. Fixed and variable rate CDs are available. Penalty may or will be imposed for early withdrawal. Fees or other conditions could reduce earnings.
Offer: Early withdrawal penalty may apply.
3.40% interest rate · Effective Oct 5, 2026
Rate checked
More details - Publix Employees Federal Credit UnionRegular CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.44%APY$1,068 over 36 months on $10,000intro rateRequirements
Product: Membership qualification required. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
Promotional rate · 3.40% interest rate · Effective Oct 15, 2026
Rate checked
More details - Federal Employees NewarkShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.44%APY$1,068 over 36 months on $10,000Requirements
Product: One thousand dollar minimum. FENFCU penalty for early withdrawal will be 25 basis points (1/4 %) per quarter or portion of a quarter on the balance in the certificate.
3.40% interest rate
Rate checked
More details - The Dolores State BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.44%APY$1,068 over 36 months on $10,000Requirements
Product: Quarterly compounding. Early withdrawal penalty may apply.
Offer: Quarterly compounding. No minimum balance required to earn APY. Early withdrawal penalty.
3.40% interest rate · Effective Sep 1, 2026
Rate checked
More details - RECUTerm Share AccountsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.44%APY$1,068 over 36 months on $10,0003.40% interest rate
Rate checked
More details - Fibre FCUShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.43%APY$1,065 over 36 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. Membership eligibility required. Fixed rate and term. Penalty applies for early withdrawal. 10-day grace period at maturity for penalty-free renewals and additional deposits. Dividends compounded and credited monthly based on daily balance method. Dividends can be paid and transferred monthly to another account (reduces APY).
Offer: Early withdrawal penalty: dividends since issuance/renewal or 180 days dividends, whichever is smaller. Dividends compounded and credited monthly. Daily balance method.
3.37% interest rate · Effective Oct 22, 2026
Rate checked
More details - STAR Financial Credit UnionSpecial CertificateCD · 36 months · $5,000 min
Credit union · Add a location to see nearby branches
3.43%APY$1,065 over 36 months on $10,000intro rateRequirements
Product: Special conditions: New deposits only, no internal transfers, limited time offer.
Offer: New deposits only; no internal transfers; limited time; dividends compounded and credited monthly; additional deposits and withdrawals not allowed.
Promotional rate · 3.37% interest rate · Effective Sep 23, 2026
Rate checked
More details - Beaumont Community CUShare CertificateCD · 36 months · $1,000 min · 3.43%–3.55% by balance
Credit union · Add a location to see nearby branches
3.43%APY$1,065 over 36 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Minimum deposit to purchase a CD is $1,000.00.
Offer: Under $50,000; dividends compounded daily and paid monthly
3.40% interest rate · Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY Up to $50,000Your amount 3.43% $50,000 and upOver $50,000; 3.55% Rate checked
More details - Assemblies of God Credit UnionCertificate of Deposit (CD)CD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.42%APY$1,061 over 36 months on $10,000Requirements
Product: Certificate dividends are paid monthly. Penalty may apply for early withdrawal. Rates subject to change.
Offer: Certificate dividends paid monthly. Penalty may apply for early withdrawal.
3.37% interest rate · Effective Aug 1, 2026
Rate checked
More details - West Michigan Postal Service FCUShare Certificates of DepositCD · 36 months
Credit union · Add a location to see nearby branches
3.42%APY$1,061 over 36 months on $10,000Requirements
Product: All Certificates of Deposit receive a 0.15% Renewal Bonus upon expiration (added to rate not APY). Rates are subject to change without notice.
Offer: 0.15% Renewal Bonus upon expiration (added to rate not APY)
Effective Oct 8, 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%
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