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 1051–1065 of 4,162 results
- Settlers Federal Credit UnionShare CertificatesCD · 36 months
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Fees could reduce the earnings on an account
Offer: Fees could reduce the earnings on an account
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - TRUE Community 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: No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
3.49% interest rate · Balance cap $500,000 · Effective Sep 9, 2026
Rate checked
More details - Lenco Credit UnionCertificates of DepositCD · 36 months · $3,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Penalty for early withdrawals. Dividends are computed daily and paid quarterly using the average daily balance for the dividend period.
Offer: Penalty for early withdrawals. Dividends paid quarterly using the average daily balance.
Effective Oct 5, 2026
Rate checked
More details - Route 31Certificate of DepositCD · 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: Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
Offer: Standard rate.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - Muskegon 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: Rates are subject to change at any time, by direction of Board of Directors.
3.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - Employees Federal Credit UnionShare Certificate AccountCD · 36 months · $1,000 min · 3.55%–3.80% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. A penalty may be imposed for early withdrawals. Rates reflected are recent rates but are subject to change. Platinum Members add .25%/ Member Rewards add .10% to certificates - cannot combine
3.50% interest rate
Rate by balance
Rate by balance for Share Certificate Account Balance APY $1,000 – $50,000Your amount 3.55% $50,000 and upJumbo Rate ($50,000+) 3.80% Rate checked
More details - Campus FederalCertificate AccountsCD · 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: Certificate accounts are subject to substantial penalty for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. Fees could reduce earnings.
Offer: Dividends credited quarterly.
3.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - Millbury National BankCertificates 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: Early withdrawals may result in penalties: 30 days interest for 3-month CDs, 60 days interest for 6-month CDs, 180 days interest for 1-year CDs, 180 days interest for 2-year CDs and 180 days interest for 3-year CDs. No setup or maintenance fees.
Offer: 3 Year CD
3.50% interest rate
Rate checked
More details - Bar-Cons Federal Credit UnionShare CertificatesCD · 36 months · $200 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Increase rate by 0.10% when placing $50,000 or more in a term between 18 months and 60 months.
Offer: 6 Month early withdrawal penalty
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Space Coast 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: Space Coast Credit Union membership is open to relatives of current members and all who work or live in eligible Florida counties. Minimum deposit required is $500. Monthly Service Fee is None.
3.50% interest rate · Effective Sep 21, 2026
Rate checked
More details - Alive 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: Earnings compounded monthly. Penalty for early withdrawal. $500 minimum deposit to open most Certificates. No setup or maintenance fees.
Offer: Dividends paid monthly. Penalty for early withdrawal.
3.49% interest rate · Compounded monthly
Rate checked
More details - Velocity Community Credit UnionMemberPLUS CertificateCD · 36 months · $5,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000with conditionsRequirements
Product: Requires qualifying for Member PLUS: member in good standing and either direct deposits of $750/month, $10,000 in combined deposits, active loan with Credit Union (including active VISA credit card within last 30 days), or 20+ debit transactions/month. Members age 24 and under do not automatically qualify for bonus CD rate unless meeting criteria. Certificate rates remain fixed for term. Penalty may be imposed for early withdrawal.
Offer: Requires MemberPLUS qualification.
Qualified rate · 3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - Champions First Credit UnionCertificates of DepositCD · 36 months
Credit union · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Interest compounded daily and credited monthly. 20-day grace period following maturity for penalty-free withdrawals/additions. Withdrawals within first 6 days of initial deposit incur 7-day simple interest penalty. 24- and 36-month certificates are available as step-up CDs (one-time request for higher rate if rates increase, renewing original term).
Offer: Available as step-up CD: if rates increase, one-time request to step up to higher rate, renewing original term effective step-up date. 20-day grace period upon maturity.
3.49% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Cheney Federal Credit UnionBump Rate CertificateCD · 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 1, 2026
Rate checked
More details - Wyoming Community BankCertificateCD · 36 months · $1,000 min · 3.55%–3.75% by balance
Bank · Add a location to see nearby branches
3.55%APY$1,103 over 36 months on $10,000Requirements
Product: Account terms must be met, if not APY of 0.1% see account for details. Rates subject to change on a daily basis. Penalties may apply for early withdrawal.
Offer: 3 Year; Balance $1,000-$25,000
3.55% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $25,000Your amount 3.55% $25,000 – $100,000 3.65% $100,000 and up 3.75% 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%
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