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 481–495 results
- St. Cloud Financial Credit UnionDiamond CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000with conditionsRequirements
Product: Requires Diamond Membership: active Diamond Checking account (requires at least 15 SCFCU debit/credit card transactions per qualification cycle and electronic statements) AND a new or existing loan or SCFCU Credit Card. Minimum deposit $500. Not available for business or commercial members.
Offer: Requires Diamond Membership qualifications.
Qualified rate · 3.87% interest rate
Rate checked
More details - 3.95%APY$1,232 over 36 months on $10,000
Requirements
Product: Effective June 1, 2026
3.90% interest rate · Effective Jun 1, 2026
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More details - Toro FCUSTEP-UP CERTIFICATESCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000intro ratePromotional rate · 3.90% interest rate · Effective Jun 1, 2026
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More details - The Federal Savings BankSpecial CD PromotionCD · 36 months · $5,000 min
Bank · Add a location to see nearby branches
3.95%APY$1,232 over 36 months on $10,000intro rateRequirements
Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
Offer: Early withdrawal penalty is 365 days' worth of interest.
Promotional rate · 3.89% interest rate · Compounded monthly · Effective Jul 20, 2026
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More details - First Federal SavingsCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.94%APY$1,229 over 36 months on $10,000intro rateRequirements
Product: Rate subject to change daily. Interest may be paid by check or transferred to a First Federal checking or savings account. Minimum additions of $250.00 or more permitted for some terms. Penalty may be imposed for early withdrawal.
Offer: 36 Month CD++
3.89% interest rate · Effective Oct 7, 2026
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More details - Abbott Laboratories Employees Credit UnionRewards Checking Certificate Bonus RatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.93%APY$1,226 over 36 months on $10,000with conditionsRequirements
Product: Rewards Checking account holders can receive up to 0.05% bonus on certificate terms 12 to 60 months. New accounts only. Not valid on renewals. Not valid on HSA, IRA, or Variable Rate Certificates.
Offer: Requires Rewards Checking account. New accounts only; not valid on renewals.
Qualified rate · 3.86% interest rate · Effective Oct 1, 2026
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More details - MY CREDIT UNIONShare CertificatesCD · 36 months · $500 min · 3.88%–3.98% by balance
Credit union · Add a location to see nearby branches
3.93%APY$1,226 over 36 months on $10,000Requirements
Product: Must maintain $5 in Membership Share Account for credit union membership eligibility. Dividends paid quarterly. Early withdrawal penalty may apply.
3.81% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 3.88% $10,000 and upYour amount 3.93% $25,000 and up 3.98% Rate checked
More details - Journey Credit UnionCertificatesCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.92%APY$1,223 over 36 months on $10,0003.85% interest rate · Effective Oct 21, 2026
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More details - Ascend Federal Credit UnionRegular Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$1,223 over 36 months on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal.
3.85% interest rate · Effective Oct 1, 2026
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More details - Red River Federal Credit UnionCertificateCD · 36 months
Credit union · Add a location to see nearby branches
3.92%APY$1,223 over 36 months on $10,000 - Cumberland County Federal Credit UnionRegular Share Certificate AccountCD · 36 months · $1,000 min · 3.92%–4.13% by balance
Credit union · Add a location to see nearby branches
3.92%APY$1,223 over 36 months on $10,000Requirements
Product: A minimum daily balance of $1,000 is required to earn the annual percentage yield. Fixed rate through maturity. Early withdrawal penalties may apply.
3.85% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Account Balance APY $1,000 – $50,000Your amount 3.92% $50,000 – $150,000 4.02% $150,000 and up 4.13% Rate checked
More details - Switch Federal Credit UnionShare CertificatesCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.92%APY$1,223 over 36 months on $10,000Requirements
Product: Funds cannot be added after the initial deposit, and early withdrawals will result in a penalty.
3.85% interest rate
Rate checked
More details - Compass Community Credit UnionTerm Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.91%APY$1,219 over 36 months on $10,000Requirements
Product: Fixed rates are guaranteed for the length of the term. Early withdrawal penalties apply (90 days for terms 12 months or less; 180 days for terms greater than 12 months).
3.85% interest rate · Effective Sep 1, 2026
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More details - Central Maine FCUFixed-Rate Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.91%APY$1,219 over 36 months on $10,000with conditionsRequirements
Product: Membership requires a $10.00 membership share account ($25 stated on product overview). Rate premium of 10 basis points available if balance at opening is $250,000 or greater (or for Member's Choice program); maximum combined rate premium up to 20 basis points. Early withdrawal penalty applies.
Qualified rate · 3.85% interest rate · Effective Oct 1, 2026
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More details - Central Bank of Kansas CityCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.91%APY$1,219 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Minimum balance necessary to obtain the APY indicated.
Offer: 3 year CD. A penalty may be imposed for early withdrawal.
3.85% interest rate · Effective Oct 6, 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
4,160 CDs at 3,669 banks and credit unions · checked Oct 22–24
- 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