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 1006–1020 of 4,162 results
- Lafayette Federal Credit UnionVariable-Rate Certificate AccountsCD · 36 months · $50 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Dividends compounded and credited monthly. Must establish membership with Lafayette Federal Credit Union, or be an existing member. Can make additional deposits at any time.
3.50% interest rate · Effective Sep 23, 2026
Rate checked
More details - Lincoln County Credit UnionShare CertificatesCD · 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: Rates can change daily. A penalty will be imposed for early withdrawal.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - KSW 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 $10,0003.50% interest rate · Effective Sep 25, 2026
Rate checked
More details - New Dimensions Federal Credit UnionShare CertificatesCD · 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: Membership eligibility required. Early withdrawal penalties apply. Rates effective October 1, 2026.
Offer: Early withdrawal penalty of 540 days dividends.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lisbon Community FCUShare CertificatesCD · 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: $1,000.00 minimum balance to open a Share Certificate ($250.00 for minors). Terms ranging from 6 months to 5 years. Automatically renewable. $1,000 minimum balance required to earn the APY. Dividends are paid monthly on the average daily balance. Penalty for early withdrawals; withdrawals reduce earnings.
Offer: $1,000 minimum balance required to earn the APY. $250.00 opening minimum for minors. Dividends paid monthly on average daily balance. Penalty for early withdrawals.
3.50% interest rate · Effective Sep 23, 2026
Rate checked
More details - Connected Credit UnionShare CertificatesCD · 36 months · $2,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Dividends are based on the average daily balance method, compounded daily and credited monthly. Dividends can be withdrawn each month without penalty.
Offer: Early withdrawal penalty: 365 days.
3.50% interest rate · Compounded daily · Effective Aug 25, 2026
Rate checked
More details - KV FCUShare CertificateCD · 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: No fee to establish. Minimum balance of $500.00. Borrow against certificate available.
3.50% interest rate
Rate checked
More details - KEMBA Louisville Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,0003.50% interest rate · Effective Apr 1, 2022
Rate checked
More details - Glynn County Federal Employees Credit UnionShare Certificate AccountsCD · 36 months · $4,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: No maintenance fee. Certificates range from 3 to 24 months (with 36-month option on rate schedule).
Offer: 36 Months term. Minimum deposit of $4,000 with one-year maturity or more.
3.50% interest rate · Effective Jan 1, 2025
Rate checked
More details - Education First Federal Credit UnionShare CertificateCD · 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: Dividends are compounded monthly. A penalty may be assessed for early withdrawal before maturity.
3.50% interest rate · Compounded monthly
Rate checked
More details - Chemcel FCUShare CertificateCD · 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: Dividends paid monthly by check, to certificate, or by automatic deposit to Regular Savings or Money Market. Automatically renews at maturity unless notice given within 3 weeks prior. Early withdrawal penalty is 180 days of dividends. No partial withdrawals allowed. Federally insured up to $250,000.
Offer: Early withdrawal penalty applies.
3.50% interest rate · Effective Nov 3, 2025
Rate checked
More details - Wyrope Williamsport FCUShare CertificatesCD · 36 months · $500 min · 3.45%–3.66% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,106 over 36 months on $10,000Requirements
Product: Share Certificates will renew at the current rate for the selected term. Minimum deposit of $500.00.
3.40% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $5,000 3.45% $5,000 – $25,000Your amount 3.56% $25,000 and up 3.66% Rate checked
More details - Cottonwood Community Federal Credit UnionTerm CertificatesCD · 12–36 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APYRequirements
Product: $500.00 minimum balance on all Term Certificates. Dividends paid quarterly from certificate origination or renewal date. Early withdrawal penalties may apply.
Offer: Student certificate. Dividends paid quarterly from certificate origination or renewal date.
3.55% interest rate · Effective Dec 1, 2025
Rate checked
More details - First Service Credit UnionCertificate of DepositCD · 36 months · $1,000 min · 3.55%–3.65% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Fixed rate. Federally insured up to $250,000. Early withdrawal penalty may apply. Fees may reduce earnings.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty may apply.
3.49% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.55% $50,000 and upJumbo tier. 3.65% Rate checked
More details - Peru Federal Savings BankCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000intro rateRequirements
Product: Requires $1,000.00 to open & interest is paid monthly. No minimum balance to earn APY*. Rates are subject to change at any time. Substantial penalty for early withdrawal.
Offer: Interest paid/credited monthly.
Promotional rate · 3.49% interest rate · Effective Sep 1, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 3-year CDs pay nationwide
4,162 CDs at 3,668 banks and credit unions · checked Oct 22–25
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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