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 661–675 results
- GSA FCUShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Deposit of $1,000 or more. Terms range from 6 months to 60 months. Rates reflect a minimum monthly direct deposit of $200; accounts without direct deposit receive a 0.25% reduction.
Offer: Rates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate.
3.75% interest rate · Effective Dec 5, 2025
Rate checked
More details - ElecTel Cooperative Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Dividends compounded and posted monthly. Early withdrawal subject to penalty. 10-day grace period at maturity.
Offer: 36 Month term. Dividends compounded and posted monthly. Early withdrawal subject to penalty.
3.73% interest rate · Effective Jun 29, 2026
Rate checked
More details - Security Bank and Trust CompanyCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: A substantial penalty may be imposed for early withdrawal. A withdrawal of interest or fees will reduce earnings.
3.75% interest rate
Rate checked
More details - Community Focus Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Fixed dividend rate for the entire term. Early withdrawal penalty usually applies. At maturity, Certificate funds automatically transfer to Savings account if not renewed. Serves individuals, families, and businesses throughout Wayne and Monroe counties.
Offer: $1000 minimum deposit.
Rate checked
More details - Leighton State BankCertificates of Deposit (CDs)CD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000intro rateRequirements
Product: Maturity terms vary from 3 months to 5 years. $500 minimum balance requirement. Early withdrawal penalties may apply. Fees, if any, may reduce earnings. All deposits are FDIC insured.
Offer: Step CD. Interest paid quarterly. Eligible to step up rate once during the CD term, any time after initial 12 months.
Promotional rate · 3.75% interest rate · Effective Aug 24, 2026
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More details - LCE FCUShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: There is a 90-day penalty for any early withdrawal of a Certificate. Dividends are posted quarterly.
3.75% interest rate · Effective Sep 1, 2026
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More details - Lakeview Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: The minimum balance required to open and maintain this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. There is a penalty for early withdrawal.
Offer: Dividends paid quarterly. Early withdrawal penalty is 365 days.
3.74% interest rate · Effective Jul 30, 2026
Rate checked
More details - Tompkins Employees FCUShare CertificateCD · 36 months · $500 min · 3.80%–3.95% by balance
Credit union · Add a location to see nearby branches
3.80%APY$1,184 over 36 months on $10,000Requirements
Product: Early withdrawal penalties apply. Accounts with a specific term earn the opening APY until maturity. Certificate automatically renews into like term at prevailing rate.
Effective Jan 15, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $25,000Your amount 3.80% $25,000 – $75,000 3.85% $75,000 and up 3.95% Rate checked
More details - Tinker Federal Credit UnionRate BoosterCD · 36 months · $1,000 min · 3.63%–4.20% by balance
Credit union · Add a location to see nearby branches
3.79%APY$1,181 over 36 months on $10,000Requirements
Product: Deposits may not be made after opened until maturity. Early withdrawal penalty applies (number of days dividend lost for withdrawals made before maturity).
Offer: Early withdrawal penalty: 240 Days.
3.58% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Rate Booster Balance APY $1,000 and up 3.63% $10,000 and upYour amount 3.79% $25,000 and up 4.00% $50,000 and up 4.10% $99,000 and up 4.20% Rate checked
More details - cfsbankCertificates of Deposit (CDs)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.79%APY$1,181 over 36 months on $10,000Requirements
Product: Interest rate fixed until maturity; compounded semi-annually. Account automatically renews at maturity at current rate for term. 10 calendar day grace period after renewal date to redeem with no penalty. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Fixed interest rate compounded semi-annually. Early withdrawal penalty applies.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - Evergreen Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.79%APY$1,181 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply based on the original term. APY assumes dividends remain in the account until maturity; paid semi-annually and at maturity. Minimum deposit amounts as low as $1,000 for adults.
Offer: Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply.
3.75% interest rate · Effective Sep 24, 2026
Rate checked
More details - FreedomBankCertificate of DepositCD · 36 months · $1,000 min · 3.79%–4.04% by balance
Bank · Add a location to see nearby branches
3.79%APY$1,181 over 36 months on $10,000Requirements
Product: $1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
3.75% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $25,000Your amount 3.79% $25,000 – $100,000 3.79% $100,000 and up 4.04% Rate checked
More details - First National Bank and Trust Company of BottineauCDsCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.79%APY$1,181 over 36 months on $10,000Requirements
Product: Call us for more information. Terms range from 7 days to 60 months.
Offer: 36 Month CD, 2 Options
3.75% interest rate · Effective Nov 4, 2025
Rate checked
More details - Warren-Boynton State Bank36 Month CDCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.78%APY$1,177 over 36 months on $10,000Requirements
Product: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Offer: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
3.75% interest rate · Effective Oct 14, 2026
Rate checked
More details - Peoples BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.78%APY$1,177 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates as of 11/3/2025. Interest rates subject to change at any time without notice. Minimum balance required to obtain stated APY. Fees may reduce earnings.
Offer: Penalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings.
3.75% interest rate · Effective Nov 3, 2025
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