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 1366–1380 of 4,164 results
- First Southwest BankCertificate of Deposit (CD)CD · 36 months · $1,000 min · 3.40%–3.50% by balance
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Fixed interest rates. Early withdrawal penalties may apply. Interest is compounded monthly and paid monthly.
Offer: Standard tier
3.35% interest rate · Compounded monthly · Effective Feb 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $250,000Your amount 3.40% $250,000 and upJumbo tier 3.50% Rate checked
More details - Metro Credit UnionShare Certificates (CD)CD · 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: Federally insured up to $250,000 by the NCUA. Penalty may apply for early withdrawal. Features automatic renewal at maturity.
Offer: Minimum deposit is $500. Early withdrawal penalty may apply.
3.35% interest rate · Effective Feb 1, 2026
Rate checked
More details - Kansas City Credit UnionShare Certificates of Deposit (CDs)CD · 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: Certificate dividends are paid at maturity.
Offer: Certificate dividends are paid at maturity.
3.40% interest rate
Rate checked
More details - State Employees 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 $10,000with conditionsRequirements
Product: Quarterly dividends. Dividend transfer available on 24-60 month terms. Rising Rate Option available on 48 and 60 month terms allowing dividend rate and APY to change once during original term to current rate for same term. Bonus rate condition adds +0.10% each for active checking account, full direct deposit, active SECU credit card, active consumer loan, and current mortgage (+0.50% max).
Offer: Bonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 180 days interest.
Qualified rate
Rate checked
More details - Connections CUCertificate of DepositCD · 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: Insured up to $250,000 by NCUA. Early withdrawal penalties apply (30 days dividends for maturity of one year or less; 90 days dividends for maturity of more than one year).
Offer: One Jump Option: If rates increase within the certificate term, account holder can jump to the higher rate once for the remainder of the term (not including CD limited-time offers).
3.35% interest rate · Effective Jun 11, 2026
Rate checked
More details - UniBankCertificate 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: Minimum opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.
3.35% interest rate · Effective Feb 2, 2026
Rate checked
More details - Holyoke Community Federal Credit UnionCDsCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.39%APY$1,053 over 36 months on $10,000Requirements
Product: Rates are effective October 1, 2026.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - The Bank of Elk RiverCertificate of DepositCD · 36 months · $200 min
Bank · Add a location to see nearby branches
3.39%APY$1,052 over 36 months on $10,000intro rateRequirements
Product: FDIC-insured. Minimum deposit of $200 for regular CDs and $2,500 for Added Advantage CDs. Early withdrawal penalties apply. 7-day grace period after maturity date to cash CD.
Offer: Early withdrawal penalty of 365 days interest (minimum $25.00).
Promotional rate · 3.35% interest rate · Effective Oct 14, 2026
Rate checked
More details - Michigan United Credit UnionCertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.39%APY$1,052 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.
3.35% interest rate · Effective Oct 23, 2026
Rate checked
More details - Heritage SouthShare Certificate AccountsCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
3.39%APY$1,052 over 36 months on $10,000Requirements
Product: Dividends are compounded quarterly, except certificates with terms under one year which are paid at maturity. Substantial penalty for early withdrawal. Automatically renewed at maturity.
3.35% interest rate · Compounded quarterly
Rate checked
More details - First National Bank of WaterlooCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.39%APY$1,052 over 36 months on $10,000Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.
3.35% interest rate · Effective Oct 16, 2026
Rate checked
More details - 1NB BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.39%APY$1,052 over 36 months on $10,000Requirements
Product: Available to all individuals. Must deposit $1,000.00 to open. Additional deposits not permitted. Interest compounded quarterly and credited quarterly. Automatically renews for a term set by the bank. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for term. Compounded quarterly and credited quarterly.
3.35% interest rate · Compounded quarterly · Effective Jan 13, 2026
Rate checked
More details - CPM Federal Credit UnionShare CertificatesCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
3.39%APY$1,052 over 36 months on $10,000Requirements
Product: Requires Main Savings Account with $250 minimum deposit. No annual fees, no monthly service charge. Dividends compounded/paid quarterly. 10-day grace period at maturity. Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term.
Offer: Dividend rate is 3.35%. Dividends compounded quarterly.
3.35% interest rate · Compounded quarterly · Effective Feb 13, 2026
Rate checked
More details - CommonWealth OneShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.39%APY$1,052 over 36 months on $10,000Requirements
Product: Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Automatically renews at maturity with a 7-day grace period. Additional deposits not permitted except for the 15-month term.
3.35% interest rate
Rate checked
More details - Reliance State BankCertificates of DepositCD · 36 months · $2,500 min · 3.28%–3.53% by balance
Bank · Add a location to see nearby branches
3.38%APY$1,049 over 36 months on $10,0003.25% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $2,500 and up 3.28% $10,000 and upYour amount 3.38% $25,000 and up 3.53% 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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