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 736–750 results
- City State BankCertificate of Deposit AccountsCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
3.72% interest rate
Rate checked
More details - Postal & Community 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 $10,0003.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.75%APY$1,168 over 36 months on $10,000
Requirements
Product: Membership eligibility and a minimum $5 membership share deposit are required for credit union membership. Minimum balance to open is $500. Early withdrawal penalty will apply (2% of amount withdrawn).
3.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - Best Financial 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: No setup or service fees. Early withdrawal subject to penalty.
Offer: Early withdrawal penalty: 180 days interest.
3.70% interest rate
Rate checked
More details - CASE Credit UnionTerm Deposit AccountCD · 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: Credit Union Membership is required for all accounts.
3.69% interest rate
Rate checked
More details - Capital Credit UnionShare CertificateCD · 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: Fixed rates guaranteed for length of term. Federally insured by NCUA. Early withdrawal penalty may apply. Institutional and government deposits excluded.
Offer: Compounds quarterly.
3.70% interest rate · Effective Sep 24, 2026
Rate checked
More details - Marine Credit UnionCertificatesCD · 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: Membership required. Penalty may be imposed for early withdrawal and subject to account closure. APY assumes principal and interest remain on deposit for full term.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - True Sky Federal Credit UnionCertificate of Deposit (CD)CD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: The APY assumes dividends are compounded quarterly and will remain on deposit until maturity. Fees may reduce earnings.
3.69% interest rate · Compounded quarterly
Rate checked
More details - True Sky Federal Credit UnionShare CertificateCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYintro rateRequirements
Product: Most certificate accounts require a minimum investment of $500. Early withdrawal penalty may apply. NCUA insured. Minimum deposit of $1,000 required max of $100,000 for APY rate accuracy terms. New money only.
Promotional rate · 3.69% interest rate
Rate checked
More details - Barksdale Federal Credit UnionFlex CertificateCD · 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: Variable Rate - Member has discretion. Rate can be increased one time when the Certificate Account 2-year term rate exceeds the Flex Certificate initial rate. Not automatically renewable.
Offer: Additional deposits not allowed. Early withdrawal penalty applies (terms of more than 12 months: 180 days' dividends). Not automatic renewal.
3.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - The Village BankCertificates 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: Deposits are FDIC insured and balances over FDIC limits are covered by DIF. A penalty may be assessed for early withdrawals.
Offer: Quoted yield assumes account will be rolled over and funds remain on deposit for one year.
3.69% interest rate · Effective Sep 30, 2026
Rate checked
More details - Metro 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 $10,000Requirements
Product: Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.
Offer: 36 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Ashland Credit UnionRate Bump Share CertificateCD · 36 months · $500 min · 3.75%–4.00% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: Terms available from 3 to 5 years. Dividends paid and compounded monthly. Allows a one-time bump to current rate during certificate term. Minimum deposit stated as $5,000 in product summary, rate schedule reflects Standard ($500 minimum) and Jumbo ($35,000 minimum) balance tiers. Early withdrawal penalty may apply.
Offer: Standard tier
3.69% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Rate Bump Share Certificate Balance APY $500 and upYour amount 3.75% $35,000 and upJumbo tier 4.00% Rate checked
More details - Northern Hills Federal Credit UnionCertificatesCD · 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: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Compounded daily · Effective Oct 4, 2026
Rate checked
More details - Northern Hills Federal Credit UnionCertificatesCD · 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: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Compounded daily · Effective Oct 4, 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank