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Best 3-year CD rates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

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Top CD rates

Showing 301–315 results

  1. Top Carrot, Carrot Score 88
    PriorityONE Credit UnionCertificate of DepositCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  2. RBC BankCertificate of Deposit (CD)CD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  3. Top Carrot, Carrot Score 89
    Ascendia BankCertificates of DepositCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  4. Top Carrot, Carrot Score 89
    On Tap Credit UnionTerm CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  5. First Financial Federal Credit UnionShare CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000with conditions
  6. Top Carrot, Carrot Score 87
    Coast360 Federal Credit UnionTerm SharesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  7. BankIowaCertificates of DepositCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000intro rate
  8. IBEW Federal Credit UnionRegular CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  9. Millyard BankCertificates of Deposit (CD)CD · 36 months

    Bank · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  10. Monroe FederalCertificate of DepositCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  11. NDBTCertificate of Deposit (CD)CD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.10%APY$1,281 over 36 months on $10,000
  12. Gunnison Savings & LoanCertificates of DepositCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.09%APY$1,278 over 36 months on $10,000
  13. Top Carrot, Carrot Score 92
    Genisys Credit UnionTerm CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.08%APY$1,275 over 36 months on $10,000
  14. Top Carrot, Carrot Score 89
    Desco Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.08%APY$1,275 over 36 months on $10,000
  15. Metz Banking CompanyCertificates of DepositCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.08%APY$1,275 over 36 months on $10,000

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

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions
Best 3-Year CD Rates of October 2026 | Carrot Rate