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 1336–1350 of 4,164 results
- Polish-American FCUCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.
Offer: Standard APY. Rates may increase .2% (APY as high as 3.60%) when a member qualifies for loyalty benefits.
Effective Oct 15, 2026
Rate checked
More details - American Heritage BankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Penalty with early withdrawal of CD. Fees may reduce the Annual Percentage Yield.
3.34% interest rate · Effective Oct 5, 2026
Rate checked
More details - PenFed Credit UnionMoney Market CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.35% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.40%APY$1,055 over 36 months on $10,000
Requirements
Product: Dividends are compounded on a quarterly basis. Early withdrawal penalties may apply.
3.36% interest rate · Effective Oct 1, 2026
Rate checked
More details - Pacific Crest BankCertificates of DepositCD · 36 months · $2,000 min
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.
Offer: Interest compounded daily; early withdrawal penalties apply.
3.34% interest rate · Compounded daily · Effective Sep 10, 2026
Rate checked
More details - Pyramid Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: A minimum of $500 is required to establish a share certificate. Penalty for early withdrawal. Dividends are compounded and paid quarterly.
Offer: Penalty for early withdrawal. Dividends are compounded and paid quarterly.
3.36% interest rate · Effective Aug 1, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Edwards Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: No fees to open or maintain your account. Dividends earned daily and compounded quarterly. Early withdrawal penalties apply.
Offer: APY paid at maturity only. Early withdrawal penalty applies.
Compounded quarterly · Effective Jul 1, 2026
Rate checked
More details - EverenceCertificatesCD · 36 months · $500 min · 3.40%–3.45% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Must be a member of Everence Federal Credit Union. Compounding quarterly. Penalty for early withdrawal: $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not. Auto-renews at maturity for the same term at the then-current rate with a 10-day grace period.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.40% $100,000 and up 3.45% Rate checked
More details - BluCurrent Credit UnionCertificates of Deposit (Personal)CD · 36 months · $1,000 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: The minimum amount required to open a Regular Certificate is $1000. Penalty may apply for early withdrawal.
Offer: Penalty may apply for early withdrawal.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (Personal) Balance APY $1,000 – $25,000Your amount 3.40% $25,000 – $50,000 3.50% $50,000 – $100,000 3.55% $100,000 and up 3.60% Rate checked
More details - Journey Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: $500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Offer: Early withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months.
3.34% interest rate · Effective Oct 5, 2026
Rate checked
More details - Ascend Federal Credit UnionHome Purchase Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Variable-rate certificate. Additional deposits allowed at any time in any increment. Withdrawals made in conjunction with the purchase of a home are penalty-free upon receiving appropriate documentation. When financing is secured through Ascend, mortgage loan processing fee is waived during the loan process.
Offer: Variable rate. Additional deposits accepted at any time. Penalty-free early withdrawal for home purchase.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank of the ValleyCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000with conditionsRequirements
Product: Interest compounds quarterly. Substantial penalty for early withdrawal. Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an additional .25% APY on New Certificates of Deposit (special terms excluded).
Qualified rate · 3.36% interest rate · Effective Oct 4, 2026
Rate checked
More details - MainStreet BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fees may reduce earnings. Funds can be withdrawn beginning 7 days after deposit. Automatic rollover at maturity. Fixed rate and term. FDIC insured.
Offer: 3 Year term. Minimum to open and obtain APY is $500.
3.35% interest rate · Effective Oct 4, 2026
Rate checked
More details - Credit Union of DenverCertificates - TraditionalCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.
Offer: Compounds monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
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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