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 181–195 results
- Hanscom Federal Credit UnionTerm CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
4.17% interest rate · Effective Oct 5, 2026
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More details - Suncoast Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.
Compounded daily · Effective Sep 1, 2026
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More details - Freedom Credit UnionTerm Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
4.18% interest rate · Effective Sep 24, 2026
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More details - EUCCUShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Effective Oct 1, 2026
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More details - Nelnet BankPersonal Certificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Must be a U.S. citizen or permanent resident, at least 18 years of age, currently residing in the United States with a physical address in the U.S. Interest compounds daily using a 365/366-day basis and pays monthly.
Offer: Early withdrawal penalty applies (for terms more than 2 years and up to 5 years, penalty is 365 days' simple interest). $1000 minimum balance required to open and obtain advertised APY.
Effective Oct 1, 2026
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More details - Poppy BankPersonal Certificate of Deposit AccountsCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Offer: APY accurate as of September 24, 2026. Rate may change after account is opened. Minimum balance requirement must be maintained in the account each day to obtain the disclosed APY. Grace period of seven calendar days after maturity to withdraw funds without penalty. Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.
4.16% interest rate · Effective Sep 24, 2026
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More details - Leaders Credit Union36-Month Certificate SpecialCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000intro rateRequirements
Product: Limited time only. Applies to new money only (funds not on deposit within the last 30 days). Existing members without a checking account become eligible by opening a new checking account. Automatically renews as a 36 Month Certificate at prevailing rate.
Offer: Dividends earned and compounded monthly.
Promotional rate · 4.17% interest rate · Compounded monthly · Effective Jul 1, 2026
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More details - TruWest Credit UnionSavings CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000intro rateRequirements
Product: Must be a TruWest member with a minimum $5 deposit and continuing balance. Minimum certificate balance of $500.
Offer: Effective as of 2026-09-23. Subject to change.
Promotional rate · 4.16% interest rate · Effective Sep 23, 2026
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More details - Blue Eagle Credit UnionRegular CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Membership eligibility and credit qualification requirements may apply. Initial savings account deposit of $5 or more required for membership. Dividends compounded and credited quarterly based on average daily balance. Penalty may be imposed for early withdrawal. Service charges may reduce earnings.
4.18% interest rate · Effective Jun 1, 2026
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More details - Chiphone Federal Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.16% interest rate · Compounded daily · Effective Sep 24, 2024
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More details - Pryority BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawal subject to penalty (12 months interest). APY assumes monthly compounding.
Offer: Monthly compounding; early withdrawal penalty applies.
4.17% interest rate · Effective Jul 29, 2026
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More details - First National BankCertificate of DepositCD · 36 months · $10,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000Requirements
Product: $2,000 minimum to open for standard terms ranging from 30 days to 5 years. Not available to financial institutions or public funds. Early withdrawal penalties may apply.
Offer: You may exercise a one-time rate bump during the CD term; the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term.
Effective Aug 18, 2026
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More details - Envista Federal Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,330 over 36 months on $10,000intro rateRequirements
Product: Fixed rates; longer terms earn higher rates. No setup or maintenance fees. Early withdrawals are subject to penalty.
Promotional rate · 4.18% interest rate · Effective Apr 9, 2026
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More details - Union Square Credit UnionShare Certificates (CDs)CD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.24%APY$1,325 over 36 months on $10,000Requirements
Product: Minimum balance requirements to open - Share Certificates (CDs) - $1,000. Early withdrawal penalties amounting to 3% of the total withdrawal amount. Withdrawal of dividends prior to maturity reduces earnings.
Offer: Term: 3 Years.
4.15% interest rate · Effective Oct 15, 2026
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More details - Gratiot Community Credit UnionTimed CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.23%APY$1,323 over 36 months on $10,0004.15% interest rate · Effective Oct 7, 2026
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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 3,673 banks and credit unions · checked Oct 16–23
- 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
- Synchrony BankBank