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 691–705 results
- Stanford Federal Credit UnionCertificatesCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Standard rate tier.
Qualified rate · 3.69% interest rate · Effective Sep 18, 2026
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More details - Sharefax Credit UnionBump Share CertificatesCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000with conditionsRequirements
Product: Business account holders do not qualify for Jump or Relationship Rates. IRA and HSA share certificates are not eligible for bumps. Rates are subject to change. Please check with a Member Service Representative.
Qualified rate · 3.68% interest rate · Effective Oct 5, 2026
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More details - Sharefax Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Qualified rate · 3.68% interest rate · Compounded monthly · Effective Oct 5, 2026
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More details - Everett BankCertificate of Deposit - SpecialCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000intro rateRequirements
Product: Fixed rate term Certificate of Deposits accounts, rates are guaranteed for the length of the term. APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. For consumer accounts only.
Offer: APY is based on principal and interest remaining in the account for a period of one year. Penalty may be imposed for early withdrawal. Automatically renews at maturity to a 12-Month Certificate unless the customer chooses another product.
Promotional rate · 3.69% interest rate · Effective Oct 22, 2026
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More details - MIT Federal Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 (for Regular share certificate types) in your account each day to obtain the disclosed APY. Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Dividends are compounded daily and paid monthly. Share Certificate APY assumes dividends are retained in the Certificate.
3.68% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - Combined Employees Credit UnionShare Savings CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.70% interest rate · Effective Sep 1, 2026
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More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.
Compounded daily
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More details - Apple FCURegular CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
Effective Oct 22, 2026
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More details - Metrum Community Credit UnionCertificate of DepositCD · 36 months · $500 min · 3.75%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 3.75% $100,000 and up 3.85% Rate checked
More details - Hurricane Creek Federal Credit UnionShared CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Effective Mar 11, 2026
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More details - Liberty BankCertificates of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Must be present to open account. Penalty will be assessed for early withdrawal: 3–11 month terms: 90 days' interest; 12–23 month terms: 180 days' interest; 24 months or longer: 365 days' interest. Compounded daily. Average daily balance calculation method.
3.69% interest rate · Compounded daily · Balance cap $99,999
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More details - Northwest Community BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: There is no monthly service charge. Guaranteed interest rate for the term of the CD. Interest credited monthly. Principal withdrawn before maturity subject to early withdrawal penalty, unless taking a distribution from an IRA. CDs automatically renew at maturity with a 10-day grace period.
3.69% interest rate
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More details - MTC Federal Credit UnionShare Certificates PlusCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
3.70% interest rate
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More details - Nutmeg State Financial Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.
3.69% interest rate · Effective Oct 19, 2026
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More details - Nymeo Federal Credit UnionShare CertificatesCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal on certificate accounts. Fees could reduce earnings.
3.69% interest rate · Effective Oct 8, 2026
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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