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 976–990 results
- TopMark Federal Credit UnionShare CertificateCD · 36 months · $500 min · 2.83%–3.60% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Membership with TFCU is required to open a certificate. Minimum opening deposit of $500.00. Early withdrawal penalties may apply. After maturity, automatically renews at current rate unless indicated otherwise. Withdrawal of dividends prior to maturity will reduce earnings.
2.79% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $5,000 2.83% $5,000 and upYour amount 3.60% Rate checked
More details - Redwood Credit UnionPersonal Savings CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000with conditionsRequirements
Product: Must be an RCU Member (live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of a current Member; or work for a Select Employer Group). $1,000 minimum deposit. Early withdrawal penalty applies.
Offer: Requires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions).
Qualified rate · 3.54% interest rate · Effective Sep 16, 2026
Rate checked
More details - Otero Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,119 over 36 months on $10,000Requirements
Product: Membership eligibility requirements apply. Early withdrawal penalties apply. Fees could reduce earnings. APY is earned if dividends remain in the account for one year.
3.54% interest rate · Effective Aug 21, 2026
Rate checked
More details - PWC Employees Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.59%APY$1,116 over 36 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty is 90 days dividends. Fixed rate for initial term. Automatic renewal with a 7-day grace period. Requires credit union membership (1 share at $10.00 par value).
Offer: Dividends compounded and credited quarterly. Automatically renewable.
3.55% interest rate · Compounded quarterly · Effective Sep 1, 2026
Rate checked
More details - Schools Federal Credit UnionTerm Share CertificateCD · 36 months · $500 min · 3.57%–3.66% by balance
Credit union · Add a location to see nearby branches
3.57%APY$1,110 over 36 months on $10,000Requirements
Product: Term Share Certificates (certificates of deposit). Early withdrawal penalty. Certificate rates are contracted at opening and upon renewal; compounded and paid monthly. Options to increase the dividend based on balance and relationship. Rates and terms subject to change without notice.
Offer: Dividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty.
3.51% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $89,999Your amount 3.57% $90,000 and up 3.66% Rate checked
More details - Neighbors Federal Credit UnionShare CertificatesCD · 36 months · $1,500 min
Credit union · Add a location to see nearby branches
3.57%APY$1,110 over 36 months on $10,000Requirements
Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, funds may be automatically renewed or paid to a designated account.
3.51% interest rate · Effective Oct 5, 2026
Rate checked
More details - Southwest Heritage Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: The minimum balance to open a certificate is $1,000. Interest is paid monthly (by check, deposited to a share account, or added to balance of certificate). Penalty for early withdrawal is 90 days interest for 6 month and 12 month terms; 180 days interest for all other terms. Additional rewards on all Certificates of Deposit: add 0.05% for SWHCU membership longer than 3 years; add 0.05% for E-Statements; add 0.05% for an active loan account.
Offer: Interest paid monthly
3.50% interest rate
Rate checked
More details - 3.56%APY$1,106 over 36 months on $10,000
3.50% interest rate · Effective Oct 22, 2026
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More details - Alternatives Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.
3.50% interest rate · Effective Oct 23, 2026
Rate checked
More details - Panhandle First BankCertificates of DepositCD · 36 months · $1,000 min · 3.56%–3.66% by balance
Bank · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawal penalty applies. 10-day grace period at maturity.
Offer: Penalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY.
Promotional rate · 3.50% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.56% $50,000 and upFor CD amounts over $250,000, please contact the bank. 3.66% Rate checked
More details - City National BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE - Compounding Monthly. Term 36 months.
3.50% interest rate
Rate checked
More details - Hoosier Hills Credit UnionCertificatesCD · 36 months
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: A minimum deposit of $500 is required to open all Certificates, excluding Save to Win. Terms range from 91 days to 60 months. Dividends calculated and paid monthly. Penalties for early withdrawal may apply.
Offer: Dividends are calculated monthly and paid monthly. Penalties for early withdrawals may apply.
3.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - First Flight Credit UnionShare CertificatesCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Minimum deposit to open account is $500 for rate tier 1 and $10,000 for rate tier 2. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in Primary Savings. Early withdrawal penalties apply.
Offer: Term: 36 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply.
3.50% interest rate
Rate checked
More details - The Bank of Clovis5-year CD LadderCD · 36 months · $5,000 min
Bank · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000intro rateRequirements
Product: Total minimum to open CD Ladder is $25,000 evenly distributed across 5 CDs. Each CD automatically renews as a 5-year CD at 0.25% above current Bank of Clovis 5-year CD rate at maturity. Blended first year APY of 3.48%. Early withdrawal penalty of 6 months interest on balance withdrawn with 10-day grace period upon maturity. Daily balance method applies daily periodic rate to principal.
Offer: Initial term 36 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn.
Promotional rate · 3.50% interest rate
Rate checked
More details - The Bank of ClovisCertificates of DepositCD · 36 months · $5,000 min
Bank · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Minimum daily balance must be maintained in order to obtain the disclosed annual percentage yield. Additional terms and conditions may apply. Fees may reduce earnings. Daily balance method applies daily periodic rate to principal.
Offer: Early withdrawal penalty of 3 months interest on amount withdrawn.
3.50% interest rate
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