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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.

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Top CD rates

Showing 841–855 results

  1. Top Carrot, Carrot Score 87
    Community Commerce BankCertificate of DepositCD · 36 months · $1,000 min · 3.56%–3.87% by balance

    Bank · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  2. Battle BankHigh Yield CDCD · 36 months · $5,000 min

    Bank · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  3. Top Carrot, Carrot Score 94
    Self Reliance Financial Federal Credit UnionCertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  4. Estacado Federal Credit UnionShare CertificatesCD · 36–47 months · $1,000 min · 3.66%–3.76% by balance

    Credit union · Add a location to see nearby branches

    3.66%APY
  5. Resource One Credit UnionRegular CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  6. Educational Employees Credit UnionShare CertificatesCD · 36 months · $500 min · 3.61%–3.76% by balance

    Credit union · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  7. First Service Federal Credit UnionTerm Share CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  8. Air Academy Credit UnionCertificatesCD · 36–41 months · $500 min

    Credit union · Add a location to see nearby branches

    3.66%APY
  9. Top Carrot, Carrot Score 87
    Members Credit UnionShare CertificatesCD · 36 months · $2,000 min

    Credit union · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  10. Top Carrot, Carrot Score 89
    Lafayette Federal Credit UnionFixed-Rate CertificatesCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  11. Strategic FCUShare CertificatesCD · 36 months · $1,500 min

    Credit union · Add a location to see nearby branches

    3.66%APY$1,139 over 36 months on $10,000
  12. Top Carrot, Carrot Score 92
    RBFCUCertificateCD · 36–47 months · $1,000 min · 3.60%–3.75% by balance

    Credit union · Add a location to see nearby branches

    3.65%APY
  13. GECUPersonal Certificate Accounts (Fixed rate)CD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    3.65%APY$1,135 over 36 months on $10,000
  14. Grand Prairie Credit UnionCertificates of Deposit $1,000 and overCD · 36 months · $1,000 min

    Credit union · Add a location to see nearby branches

    3.65%APY$1,135 over 36 months on $10,000
  15. Mirastar Federal Credit UnionTerm Share CertificateCD · 36 months · $500 min

    Credit union · Add a location to see nearby branches

    3.65%APY$1,135 over 36 months on $10,000

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

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions
Best 3-Year CD Rates of October 2026 | Carrot Rate