Skip to content

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.

Term
Type a ZIP code, city, county, metro area or state, then choose a suggestion with the arrow keys and Enter.

Top CD rates

Showing 31–45 results

  1. Top Carrot, Carrot Score 95
    Global Bank NYPersonal Certificate of DepositCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.55%APY$1,428 over 36 months on $10,000
  2. Arkansas Federal Credit UnionRegular CertificateCD · 24–71 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY
  3. Top Carrot, Carrot Score 94
    First Community Credit UnionRegular Certificate of DepositCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  4. Top Carrot, Carrot Score 89
    Ukrainian Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  5. Top Carrot, Carrot Score 95
    CU SoCalCertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  6. Ixonia BankCertificate of DepositCD · 36 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  7. Farmers & Merchants State BankCertificates of DepositCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000intro rate
  8. Top Carrot, Carrot Score 88
    Energy Credit UnionCertificate of DepositCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  9. Omaha Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  10. Machias Savings BankMy MSB Certificate of DepositCD · 36 months · $500 min

    Bank · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  11. Top Carrot, Carrot Score 98
    Barclays Bank DelawareBarclays Online CDsCD · 36 months · $0 min

    Bank · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  12. Arkansas Federal Credit UnionRegular CertificateCD · 36–47 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY
  13. Top Carrot, Carrot Score 96
    Dirigo Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  14. Top Carrot, Carrot Score 92
    Pittsford Federal Credit UnionCertificatesCD · 36 months · $50 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 over 36 months on $10,000
  15. AMOCO Federal Credit UnionCertificateCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.50%APY$1,412 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

4,162 CDs at 3,674 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
4.00%
Banks, typical
2.50%
Credit unions, typical
3.15%

Is your bank paying you enough?

Find your bank or credit union to see all its rates and how they compare near you.

Suggestions appear after two characters. Use arrow keys and Enter to choose an institution, or submit to see all matches.

Nationwide

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