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 601–615 results
- Balboa Thrift and LoanJumbo Certificates of DepositCD · 36 months · $10,000 min
Bank · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
3.75% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - 600 Atlantic FCUCertificate of DepositCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,0003.75% interest rate · Effective Sep 28, 2026
Rate checked
More details - Arkansas Best FCUShare CertificatesCD · 36 months · $500 min · 3.66%–3.97% by balance
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Dividends are paid monthly. Early withdrawal penalties may apply. Membership with Arkansas Best Federal Credit Union is required for this offer. Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.
3.60% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $999 3.66% $1,000 – $9,999 3.66% $10,000 – $19,999Your amount 3.82% $20,000 – $49,999 3.82% $50,000 – $99,999 3.97% $100,000 and up 3.97% Rate checked
More details - Rocky Mountain Credit UnionTerm CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Requires Membership Savings with a minimum $20 balance. Cannot add to certificate during term.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Abilene Teachers Federal Credit UnionSavings CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: ATFCU membership is required in order to purchase certificates of deposit; new members must first open a membership savings account with a $5 minimum deposit. Early withdrawal fees and/or interest rate deductions apply to certificates redeemed prior to maturity.
3.75% interest rate
Rate checked
More details - Radiant Credit UnionFixed Rate CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
Offer: APY is based on $10,000; your APY may vary slightly. Compounded daily.
3.75% interest rate · Compounded daily
Rate checked
More details - First BankCertificates of Deposit (CDs)CD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Early withdrawals subject to penalty. No setup or monthly service charges.
Offer: A penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Aug 26, 2026
Rate checked
More details - Southcoast Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,0003.75% interest rate · Effective Feb 14, 2025
Rate checked
More details - Tri County Area Federal Credit UnionCertificatesCD · 36 months · $500 min · 3.82%–3.92% by balance
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Dividends paid monthly; No setup or maintenance fees; Add-on option available to make additional deposits; Funds fully insured up to $250,000 by the NCUA.
Offer: Dividends paid monthly.
3.75% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.82% $50,000 and up 3.87% $75,000 and up 3.92% Rate checked
More details - StagePointShare Certificate AccountsCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$1,190 over 36 months on $10,000Requirements
Product: Dividends are compounded and credited on the last day of the month and at maturity. Option for dividend payment designation upon certificate opening. Early withdrawal penalty applies: 90 days of dividends for 3, 6 & 12 months; 180 days of dividends for 18, 24, 36, 48 & 60-month share certificates. Minimum $500 to maintain the account.
Offer: Dividend rate stated as 'As high as 3.75%'.
3.75% interest rate
Rate checked
More details - Santa Fe Federal Credit UnionCertificates of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$1,189 over 36 months on $10,0003.75% interest rate · Effective Sep 29, 2026
Rate checked
More details - Members Credit UnionCertificate of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.81%APY$1,187 over 36 months on $10,000Requirements
Product: For CD Renewals, MCU must be contacted to obtain stated rates. Early withdrawal penalty may apply. Average daily balance required to earn APY.
Offer: 3-year term
3.75% interest rate · Effective Sep 30, 2026
Rate checked
More details - Iowa State BankCertificates of DepositCD · 36 months · $3,000 min
Bank · Add a location to see nearby branches
3.81%APY$1,187 over 36 months on $10,000intro rateRequirements
Product: A substantial penalty may be imposed for early withdrawal from any of the above certificates of deposit investments. A 10-day grace period is provided upon maturity of the Certificate of Deposit to make changes or withdrawals without penalty. Fees may reduce earnings.
Offer: Compound frequency: Semi-Annually. Effective Thru: 10/27/2026. A substantial penalty may be imposed for early withdrawal.
Promotional rate · 3.77% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.81%APY$1,187 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.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Vantage West Credit UnionJump Up CDCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.81%APY$1,187 over 36 months on $10,000with conditionsRequirements
Product: Allows jumping up to a higher rate once during the certificate's term. Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
Offer: Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements.
Qualified rate · Effective Oct 2, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 3-year CDs pay nationwide
4,160 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