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 1021–1035 of 4,162 results
- CACL Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Minimum deposit required to open an account $500.00 to earn stated APY. Fixed dividend rate and APY for the term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal of principal. Requires $5 deposit into a Membership Savings Account.
3.49% interest rate · Effective Oct 21, 2026
Rate checked
More details - Turbotville National BankCertificate of DepositsCD · 36 months · $500 min · 3.29%–3.55% by balance
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Offer: APY is based on quarterly compounding of interest. If interest is withdrawn before maturity, APY will be lower. Penalties may apply for early withdrawal.
3.25% interest rate
Rate by balance
Rate by balance for Certificate of Deposits Balance APY $500 – $5,000 3.29% $5,000 and upYour amount 3.55% Rate checked
More details - Garden Plain State BankCertificates of Deposit AccountCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Rates are subject to change without notice. Rates may change after the account is opened. Fees may reduce earnings.
3.50% interest rate · Effective Dec 9, 2025
Rate checked
More details - Logansport Savings BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: A $1,000 minimum opening deposit is required. Maximum deposit of $5,000,000.00 per individual or entity. Jumbo Certificate of Deposits: Balances $100,000 or more add 0.100% to the certificate rate. Early withdrawal penalties apply. Interest may be compounded on the certificate or interest checks/transfers may be received on a monthly, quarterly, semi-annual or maturity basis.
Offer: Early withdrawal penalty: 18 Months. Rate: 3.50% - 3.55% APY.
3.50% interest rate · Balance cap $5,000,000 · Effective Oct 22, 2026
Rate checked
More details - Community Credit Union of FloridaCertificate of Deposit (CD)CD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,0003.49% interest rate · Effective Oct 19, 2026
Rate checked
More details - Siouxland Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty applies (equal to 365 days dividends on the amount withdrawn). Funds transferred to Regular Savings Account at maturity. Allowed a one-time add-on deposit.
Offer: One bump-up per term. Allowed a one-time add-on deposit.
3.50% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Non-compounding option. Dividend rate is 3.55%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter.
3.55% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Arlington Community Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - MTC Federal Credit UnionShare CertificatesCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
3.50% interest rate
Rate checked
More details - Commerce Bank TexasCertificates of DepositCD · 36 months · $0 min
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Compounding quarterly; a penalty may be imposed for early withdrawal
3.50% interest rate · Effective Mar 12, 2026
Rate checked
More details - 3.55%APY$1,103 over 36 months on $10,000
Effective Oct 16, 2026
Rate checked
More details - Juniata Valley BankCertificates of DepositCD · 36–47 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY3.50% interest rate · Effective Oct 14, 2026
Rate checked
More details - SAG-AFTRA Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min · 3.45%–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: Start with $1,000. Dividends earned daily, compounded and paid monthly on the last day of the month. Early withdrawal penalties apply.
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.45% $10,000 and upYour amount 3.55% $25,000 and up 3.60% $50,000 and up 3.65% Rate checked
More details - SAG-AFTRA Federal Credit UnionCoogan Share Certificate AccountsCD · 36 months · $1,000 min · 3.45%–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: Information disclosed for Share Certificate Accounts also applies to Coogan Share Certificate Accounts.
Rate by balance
Rate by balance for Coogan Share Certificate Accounts Balance APY $1,000 and up 3.45% $10,000 and upYour amount 3.55% $25,000 and up 3.60% $50,000 and up 3.65% Rate checked
More details - The Peoples Savings & Loan CompanyCertificate Of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Institution generally does not accept nor retain deposits owned by persons residing outside their normal geographical service area.
Offer: A penalty will be imposed for early withdrawal. Balance required is daily balance.
3.50% interest rate · Effective Oct 13, 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
4,162 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%
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
- Popular DirectBank
- Synchrony BankBank