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 46–60 results
- Maine Family 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 $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Penalty for early withdrawal: less than 24 months duration is 90 days dividends; 24 months or more duration is 180 days interest. Automatically renews with 7-day grace period. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
4.41% interest rate · Compounded monthly · Effective Sep 30, 2026
Rate checked
More details - Community Savings BankCertificates of DepositCD · 36 months · $5,000 min
Bank · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
Offer: Special rate. Compounded daily. A previous Special will automatically renew at the current rate paid on the particular term, which may no longer be a Special rate.
4.40% interest rate · Compounded daily · Effective Feb 18, 2025
Rate checked
More details - Farmers & Merchants State Bank36 Month CDCD · 36 months · $1,000 min · 4.00%–4.50% by balance
Bank · Add a location to see nearby branches
4.50%APY$1,412 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
4.00% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for 36 Month CD Balance APY $1,000 and up 4.00% $10,000 and upYour amount 4.50% $100,000 and up 4.50% Rate checked
More details - Serve Credit UnionCertificate of DepositCD · 36 months · $1,000 min · 4.49%–4.70% by balance
Credit union · Add a location to see nearby branches
4.49%APY$1,408 over 36 months on $10,000Requirements
Product: Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
4.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 4.49% $50,000 – $100,000 4.60% $100,000 and up 4.70% Rate checked
More details - DEVILS SLIDEShare Certificates (CDs)CD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.48%APY$1,405 over 36 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty may apply. Certificates automatically renew at maturity.
Offer: Assuming dividends remain on deposit for the full term.
4.40% interest rate · Effective Oct 2, 2026
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
4.47%APY$1,402 over 36 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
4.40% interest rate
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More details - CUP Federal Credit UnionShare CDCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$1,395 over 36 months on $10,000Requirements
Offer: When paid: Quarterly. Early withdrawal penalty: 3 mo int.
4.35% interest rate · Effective Sep 15, 2026
Rate checked
More details - United Equity Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.45%APY$1,395 over 36 months on $10,000intro rateRequirements
Product: Guaranteed returns on deposit; early withdrawals subject to penalty; no setup or maintenance fees. Rates effective as of 2026-03-23.
Offer: Limited Time Special! New Money Only.
Promotional rate · 4.36% interest rate · Effective Mar 23, 2026
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More details - Educational Community Alliance CUShare CertificateCD · 36 months
Credit union · Add a location to see nearby branches
4.45%APY$1,395 over 36 months on $10,000Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.38% interest rate · Effective Dec 31, 2024
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More details - Atomic Credit UnionCertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.45%APY$1,395 over 36 months on $10,000Requirements
Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
4.35% interest rate
Rate checked
More details - Bank of DeerfieldCertificate of DepositCD · 36 months · $500 min · 4.27%–4.45% by balance
Bank · Add a location to see nearby branches
4.45%APY$1,395 over 36 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates as of September 18, 2026.
4.22% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 4.27% $2,500 and upYour amount 4.45% Rate checked
More details - NASA Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.45%APY$1,395 over 36 months on $10,000Requirements
Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
4.36% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Westroads BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.45%APY$1,395 over 36 months on $10,0004.38% interest rate
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More details - Cornhusker BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.42%APY$1,385 over 36 months on $10,000Requirements
Product: *The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. The withdrawal of interest before maturity will reduce earnings and may reduce the APY. A penalty will be imposed for an early withdrawal. Visit a Cornhusker Bank location to open all additional CD terms.
Rate checked
More details - Members Heritage CUTerm Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$1,379 over 36 months on $10,000intro rateRequirements
Product: Minimum balance $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
Offer: Term 3 Year.
Promotional rate · 4.31% interest rate · Effective Oct 22, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank