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 541–555 results
- Fidelity BankCertificate of Deposit (CD)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.88%APY$1,210 over 36 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Plus Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.88%APY$1,210 over 36 months on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to PrimaryPlus relationship customers.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Your Legacy Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: Rates are locked in at account opening through the fixed period. Early withdrawal may be subject to penalty. Federally insured up to $250,000 by NCUA.
Offer: Compounding frequency: Monthly
3.80% interest rate
Rate checked
More details - Valley Credit UnionTerm Share CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Compounding monthly. A penalty applies for early withdrawal.
Promotional rate · 3.80% interest rate · Effective Oct 1, 2026
Rate checked
More details - Eureka Savings BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: $1,000.00 minimum balance needed to open. Interest compounds daily. Funds are subject to penalty for early withdrawal.
3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - Bienestar Federal Credit UnionShare CertificatesCD · 36 months · $500 min · 3.87%–4.59% by balance
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: Minimum $500 deposit required for certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from certificate accounts.
3.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $99,999Your amount 3.87% $100,000 – $249,999 3.92% $250,000 – $999,999 4.33% $1,000,000 and up 4.59% Rate checked
More details - Brewer Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.
3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - Vantage Point Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).
Offer: Features a 1 time STEP-UP Feature. If VPFCU is advertising a higher rate for 36 Month Share Certificates during the term of your certificate, you may opt to step up to the new rate being offered once during the original term.
3.80% interest rate · Effective Oct 1, 2026
Rate checked
More details - Gardiner Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
3.80% interest rate · Effective Aug 1, 2025
Rate checked
More details - O&R Utilities Employees Federal Credit UnionCertificate of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: Minimum balance to open is $500. Terms offered from 6 to 60 months. Dividends are compounded daily and credited monthly. Early withdrawal penalty applies: 90 days of dividends for maturity dates less than 1 year, and 180 days of dividends for maturity dates of more than 1 year.
3.80% interest rate · Compounded daily · Effective Dec 1, 2025
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionTerm Share CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$1,207 over 36 months on $10,000Requirements
Product: Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
3.80% interest rate · Effective Jul 9, 2026
Rate checked
More details - UPS Employees Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.86%APY$1,203 over 36 months on $10,000Requirements
Product: Dividends compounded and paid monthly. 10-day grace period at maturity to make changes or withdraw funds. Automatically renews into the same certificate term. Early withdrawal penalties may apply.
3.79% interest rate
Rate checked
More details - Vida Federal Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.86%APY$1,203 over 36 months on $10,000Requirements
Product: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
Offer: Early withdrawal penalty 180 days of dividends. Dividend rate 3.79%.
3.79% interest rate · Effective Oct 21, 2026
Rate checked
More details - Aspen Federal Credit UnionShare CertificatesCD · 12–48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY3.80% interest rate · Effective Jul 21, 2025
Rate checked
More details - Civic Federal Credit UnionChoice CertificateCD · 25–36 months · $250 min
Credit union · Add a location to see nearby branches
3.85%APYwith conditionsRequirements
Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).
Qualified rate · 3.78% interest rate · Compounded monthly · Effective Sep 2, 2026
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
4,160 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