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 1036–1050 of 4,162 results
- The Cornerstone 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 $10,0003.49% interest rate · Effective Oct 15, 2026
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More details - First Community Credit UnionCertificates of Deposit (CDs)CD · 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: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
Offer: Compounding and crediting annually. Early withdrawal penalties apply.
Effective Oct 9, 2026
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More details - Oakwood BankCertificates of DepositCD · 36 months · $100 min
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
Offer: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
3.50% interest rate · Effective Oct 14, 2026
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More details - Range 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: Certificates may be issued for terms other than listed above. Interest for certificates issued for terms other than listed will be paid at the rate for the nearest lower term. The Annual Percentage Yield on all Time Certificates is figured on a compounding quarterly basis for a 12-month period of time. This yield will fluctuate when compounding at a different interval or for any lesser time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.50% interest rate · Effective Oct 15, 2026
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More details - Security Credit UnionShare Certificates of DepositCD · 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 are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - TBA Credit UnionCertificate of Deposit (CD)CD · 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: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
Offer: With Direct Deposit (0.20% rate increase)
3.50% interest rate · Effective Apr 22, 2026
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More details - Archer Cooperative 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 $10,0003.50% interest rate · Effective Oct 15, 2026
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More details - NorState Federal Credit UnionShare Certificate AccountCD · 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 13, 2026
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More details - Vantage West Credit UnionJump Up CDCD · 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: Allows jumping up to a higher rate once during the certificate's term. Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
Offer: Standard rate. Can jump up to a higher rate once during certificate term. Monthly fee waived with eStatements.
Qualified rate · Effective Oct 2, 2026
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More details - Prestige Community CUCertificateCD · 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: Minimum amount to open is $1,000.00. Interest is accrued daily and posted monthly. Early withdrawal penalties apply.
Offer: Early withdrawal penalty on a 36 month certificate is $300.00 or 365 days of dividends earned or not, whichever is greater.
3.49% interest rate · Effective Oct 6, 2026
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More details - Cal-Com Federal Credit UnionTerm Share AccountsCD · 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: All Term Share Accounts require a $500.00 minimum balance to open. Jumbo Term Share Accounts ($100,000.00 minimum deposit) earn 0.15% dividend rate above standard Term Share Accounts dividend rate (Simple Interest) when opened new or at renewal. Early withdrawal penalties apply (loss of dividends on amounts withdrawn that would have accrued over 50% of the remaining term). Automatically renews upon maturity.
Offer: 3 Year Term Share Account.
3.51% interest rate · Effective Oct 1, 2026
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More details - Havana National 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 $10,000Requirements
Product: Rates current for approved customers. Rates are subject to change. Mandatory penalty for early withdrawal. Interest is credited monthly.
Offer: Interest is credited monthly. Subject to early withdrawal penalty.
3.50% interest rate · Effective Sep 28, 2026
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More details - Credit Union of OhioRegular 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: Dividends compound quarterly. Early withdrawal penalty applies. $500 min. to open regular certificates.
3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - First State Bank and TrustPersonal Certificates of DepositCD · 36–47 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APYRequirements
Product: Early withdrawal penalty applies if funds are withdrawn before maturity. APY assumes interest will remain on deposit until maturity.
Offer: Early withdrawal penalty applies if principal or interest is withdrawn before maturity.
3.50% interest rate · Effective Oct 1, 2026
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More details - Harvest BankFixed Rate Certificates of Deposit ($1,000 Minimum)CD · 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: Early withdrawals subject to penalty (6 months' interest for terms of 1 year or less, 12 months' interest for terms over 1 year). Renews automatically upon maturity after 10-day grace period. No setup or maintenance fees.
Offer: Early withdrawal penalty applies.
3.49% interest rate · Effective Sep 29, 2026
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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%
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