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 271–285 results
- Foresight BankCertificate of DepositCD · 36 months · $500 min · 4.06%–4.22% by balance
Bank · Add a location to see nearby branches
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.
4.00% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 4.06% $10,000 and upYour amount 4.11% $40,000 and up 4.16% $100,000 and up 4.22% Rate checked
More details - Austin Telco Federal Credit UnionShare CertificateCD · 36 months · $1,000 min · 4.11%–4.32% by balance
Credit union · Add a location to see nearby branches
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
4.05% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $94,999Your amount 4.11% $95,000 – $224,999 4.22% $225,000 and up 4.32% Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$1,284 over 36 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.10% interest rate · Compounded daily · Effective Jan 25, 2024
Rate checked
More details - Nicolet National BankCertificate of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
4.04% interest rate · Effective Sep 23, 2026
Rate checked
More details - Knoxville TVA Employees Credit UnionCertificate AccountsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Paper statement fee $2.00/month unless enrolled in eStatements. Early withdrawal penalty: 90 days dividends for terms 17 months or less; 180 days for 18 months or more. Add 0.25% APY to dividend rate for $10,000+ new money OR direct deposit. Not applicable to 12-month term.
4.02% interest rate · $2 monthly fee · Effective Oct 22, 2026
Rate checked
More details - Summit Choice Credit UnionCertificatesCD · 36 months · $300 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000intro rateRequirements
Product: Minimum investment of $300. Early withdrawal penalties may apply. Rates valid October 1 - October 31, 2026. Membership requires purchase and maintenance of 1 share ($25.00 par value).
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 36 months · $1,000 min · 4.10%–4.15% by balance
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - Henrico Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty applies. Minimum deposit to open is $1,000. Funds compounded monthly.
Offer: Early withdrawal penalty will or may be imposed. Dividends earned on entire account balance once minimum balance is met. Membership eligibility required.
4.02% interest rate · Compounded monthly · Effective Sep 29, 2026
Rate checked
More details - Ridgeline Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Requires membership with a $25.00 share deposit in Regular Shares and membership eligibility. Early withdrawal penalty applies for early withdrawals/early maturity.
Offer: Rate is fixed for the full term. Early withdrawal penalty applies.
4.02% interest rate · Effective Sep 18, 2026
Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates of DepositCD · 36 months · $1,000 min · 4.10%–4.20% by balance
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
Offer: Regular certificate. Compounded daily, paid quarterly.
4.02% interest rate · Compounded daily · Effective Jul 1, 2026
Rate by balance
Rate by balance for Term Share Certificates/Certificates of Deposit Balance APY $1,000 and upYour amount 4.10% $95,000 and upJumbo certificate. 4.20% Rate checked
More details - Armstrong County Building and LoanCertificates of DepositCD · 36–48 months · $500 min
Bank · Add a location to see nearby branches
4.10%APYRequirements
Product: Daily compounding. Penalties for early withdrawals.
Offer: Early withdrawal penalty of 6 months interest; 1 Bump-Up option to current rate for remaining term while keeping original maturity date
3.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Armstrong County Building and LoanCD SpecialsCD · 36–48 months · $500 min
Bank · Add a location to see nearby branches
4.10%APYRequirements
Product: Daily Compounding. Penalties for early withdrawals.
3.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Sun Federal Credit UnionRegular CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
4.02% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - Cinfed Credit UnionStandard CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
4.02% interest rate
Rate checked
More details - Midwest BankCertificates of Deposit (CDs)CD · 36 months · $500 min · 4.10%–4.25% by balance
Bank · Add a location to see nearby branches
4.10%APY$1,281 over 36 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fixed rate that will not change for the term. Automatic renewal when certificate meets maturity. No setup or maintenance fees.
Offer: Term: 36 Month. Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance.
4.04% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 and upYour amount 4.10% $25,000 and upTerm: 36 Month ($25,000 or more). 4.25% 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 3,673 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