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 901–915 results
- BMI Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.64%APY$1,132 over 36 months on $10,000Requirements
Product: Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.
3.59% interest rate · Effective Sep 30, 2026
Rate checked
More details - FAIRWINDS Credit UnionCertificate of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.64%APY$1,132 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply. FAIRWINDS Visa Signature Credit Card members can receive a 0.25% rate bump on a CD upon request at account opening or renewal.
Effective Oct 22, 2026
Rate checked
More details - Universal 1 Credit UnionCertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.64%APY$1,132 over 36 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawals of principal are subject to substantial interest/dividend penalties. Minimum opening deposit requires maintaining $5.00 par value share in a Savings account.
Offer: Early withdrawal penalty is 182 days' dividends for terms of 13 months or greater.
3.58% interest rate · Compounded daily · Effective Nov 10, 2025
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More details - CU of EmporiaCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.64%APY$1,132 over 36 months on $10,000Requirements
Product: Dividends are paid quarterly. Early withdrawal penalties apply.
3.60% interest rate · Effective Jun 30, 2026
Rate checked
More details - Advantage One Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.64%APY$1,132 over 36 months on $10,000intro rateRequirements
Product: Low minimum balance of $500 to open. Penalty for early withdrawal.
Offer: Paid at maturity.
Promotional rate · 3.64% interest rate
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More details - Union State BankStep-Up CD SpecialCD · 36 months · $10,000 min
Bank · Add a location to see nearby branches
3.63%APY$1,129 over 36 months on $10,0003.60% interest rate · Effective Sep 30, 2026
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More details - First National Bank BemidjiCertificates of DepositCD · 36 months · $500 min · 3.62%–3.81% by balance
Bank · Add a location to see nearby branches
3.62%APY$1,126 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply to fixed term investments. Early withdrawal penalties or fees may reduce earnings.
Offer: Compounding frequency quarterly. Term: 3 Year.
3.57% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $25,000Your amount 3.62% $25,000 and up 3.81% Rate checked
More details - Southwest Louisiana CUExpandable CDCD · 36 months · $100 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: Add cash at any time ($25.00 minimum deposit or more up to maturity). Fixed rate. Dividends compounded and paid monthly on an average daily balance of $100.00 or more. Penalties apply for early withdrawal. CDs automatically renew at maturity.
3.55% interest rate
Rate checked
More details - Southwest Louisiana CUTraditional CDCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: Fixed rate. Dividends compounded and paid monthly on an average daily balance. Penalties apply for early withdrawal. CDs automatically renew at maturity. Membership eligibility required.
3.55% interest rate
Rate checked
More details - Eglin Federal Credit UnionPreferred Investment CertificatesCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: Requires Eglin FCU Membership. Penalty for early withdrawal. Minimum deposit of $2,500 required to open.
Offer: Early withdrawal penalty applies. Requires Eglin FCU Membership.
3.55% interest rate · Effective Sep 18, 2026
Rate checked
More details - The County Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: Dividends are compounded daily and paid monthly.
3.55% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - 3.61%APY$1,123 over 36 months on $10,000
3.55% interest rate · Effective Oct 14, 2026
Rate checked
More details - Union BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000intro rateRequirements
Product: CDs are term deposits providing FDIC insurance up to applicable limits. Early withdrawal penalty may apply. Interest can be automatically deposited into another account or CD used as loan collateral. Preferred rate may be available for Advantage Checking accountholders.
Promotional rate · 3.55% interest rate · Effective Oct 14, 2026
Rate checked
More details - Guthrie Community Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: Membership required with a $10 deposit. Penalty may be imposed for early withdrawal.
Offer: Daily Balance dividend method; daily compounding; dividends paid quarterly.
3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Horizon Credit Union36 Month CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,123 over 36 months on $10,000Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.55% interest rate · Effective Sep 28, 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank