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 316–330 results
- McCoy Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$1,273 over 36 months on $10,000Requirements
Product: $1,000 minimum deposit required to open. Early withdrawal penalty applies. Rates subject to change without notice.
4.00% interest rate · Effective Sep 23, 2026
Rate checked
More details - Noda Federal Credit UnionCD RatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$1,273 over 36 months on $10,0004.00% interest rate · Effective Jul 1, 2026
Rate checked
More details - 4.07%APY$1,271 over 36 months on $10,000
Requirements
Product: Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.
Offer: With 2,500 Co-op Points
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - All In Credit UnionShare CertificatesCD · 36 months · $1,000 min · 4.07%–4.13% by balance
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: When certificate matures, it can be cashed or automatically renewed based on investment goals.
4.00% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.07% $100,000 and upJumbo 4.13% Rate checked
More details - Malden Federal Credit UnionCertificate AccountCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.
Offer: Minimum amount $500.00.
4.00% interest rate · Compounded monthly · Effective Aug 28, 2026
Rate checked
More details - Weyco Community Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Minimum deposit $500. Early withdrawal penalties apply. 10-day grace period at maturity.
4.00% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - Eagle One Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: Dividends are posted monthly based on the average daily balance. Early withdrawal penalties apply. Insured up to $250,000 by NCUA.
4.00% interest rate · Effective Oct 8, 2026
Rate checked
More details - Capstone Federal Credit UnionCertificatesCD · 36 months · $1,000 min · 4.07%–4.28% by balance
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
Offer: Standard tier for balances up to $75,000.
4.00% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $75,000Your amount 4.07% Over $75,000 4.28% Rate checked
More details - Big Island Federal Credit UnionTerm Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: Dividends are compounded and credited monthly. Early withdrawal penalties may apply.
Offer: Dividends are compounded and credited monthly. Early withdrawal penalties may apply.
4.00% interest rate · Effective Oct 3, 2026
Rate checked
More details - Alliance Community BankCertificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
4.00% interest rate · Effective Sep 24, 2026
Rate checked
More details - US Community Credit UnionCertificateCD · 36 months · $500 min · 4.07%–4.13% by balance
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $100,000Your amount 4.07% $100,000 and up 4.13% Rate checked
More details - Finanta Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,0004.00% interest rate
Rate checked
More details - COSDEN FCUShare CertificateCD · 36 months · $1,000 min · 3.56%–4.33% by balance
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,000Requirements
Product: Minimum opening deposit $1000 required. Rates effective July 1, 2025. Dividend rate fixed for term. Penalty for early withdrawal.
Offer: Effective as of July 1, 2025.
3.50% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $5,000 3.56% $5,000 – $10,000 3.82% $10,000 – $50,000Your amount 4.07% $50,000 – $100,000 4.23% $100,000 and up 4.33% Rate checked
More details - KINGS PEAK CREDIT UNIONShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$1,271 over 36 months on $10,0003.99% interest rate
Rate checked
More details - Fort Community Credit UnionCertificateCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
4.06%APY$1,268 over 36 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Dividends compounded quarterly.
Promotional rate · 4.00% interest rate · Compounded quarterly · 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 3,673 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