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 1081–1095 of 4,164 results
- Community First 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: Certificate rates remain fixed for term. Dividends credited and compounded monthly. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
3.49% interest rate · Compounded monthly
Rate checked
More details - ONE – Federal Credit UnionShare CertificateCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
3.55%APY$1,102 over 36 months on $10,000Requirements
Product: Fixed dividend rate and APY for the term; assumption that dividends remain on deposit until maturity. Early withdrawal penalty applies. Bump-up option available once during the term. Does not renew automatically at maturity.
Offer: Dividends compounded and credited quarterly.
3.50% interest rate · Effective Jul 1, 2026
Rate checked
More details - Premier BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$1,102 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Balance required to earn interest: $1,000. Early withdrawal penalties may apply.
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - IRFCUTerm Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,102 over 36 months on $10,000Requirements
Product: Interest is calculated on an average daily method and paid at maturity. Choose to have interest added to balance, transferred to another IRFCU account, or paid by check.
3.50% interest rate · Effective Oct 1, 2025
Rate checked
More details - Iron County Community Credit UnionShare CertificateCD · 36 months
Credit union · Add a location to see nearby branches
3.55%APY$1,102 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawals.
Offer: A penalty may be imposed for early withdrawals.
3.50% interest rate · Effective Jan 13, 2026
Rate checked
More details - Minnesota FirstStandard Certificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.54%APY$1,100 over 36 months on $10,000Requirements
Product: Maximum certificate amount of $100,000. Interest compounded/credited at maturity for terms under 12 months, quarterly for 12 months or longer. Early withdrawal penalty applies (full certificate amount must be withdrawn).
Rate checked
More details - Mountain Credit Union36 Month CertificateCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.54%APY$1,100 over 36 months on $10,000Requirements
Product: Dividends paid monthly. Rates subject to change without notice.
Offer: Dividends paid monthly. Rates subject to change without notice.
3.60% interest rate · Effective Oct 16, 2026
Rate checked
More details - Star Tech FCUSavings Certificate of DepositCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.54%APY$1,100 over 36 months on $10,000Requirements
Product: Early withdrawal penalties apply: CD terms ≤ 1 year – Early withdrawal penalty is equal to 30 days' worth of dividends; CD terms > 1 year – Early withdrawal penalty is equal to 90 days' worth of dividends. Dividends added quarterly. No fee if account falls below minimum balance.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National BankCertificate of DepositCD · 36–47 months · $100 min
Bank · Add a location to see nearby branches
3.54%APYRequirements
Product: A penalty may be imposed for early withdrawal. APY on certificates of deposit with term lengths indicated in a range of days/months is calculated on the maximum term length.
Offer: Term is 36-47 months. APY calculated on maximum term length. Early withdrawal penalty may apply.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Oregonians Credit UnionBump CertificatesCD · 36 months · $2,500 min
Credit union · Add a location to see nearby branches
3.54%APY$1,100 over 36 months on $10,000Requirements
Product: Member may bump the rate one (1) time to the current market rate - the new rate remains for the maturity which is based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.
Offer: Term days: 1096 – 1460.
3.48% interest rate · Effective Sep 30, 2026
Rate checked
More details - North Platte Union Pacific Employees Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.54%APY$1,100 over 36 months on $10,0003.50% interest rate
Rate checked
More details - Farmers Bank of WillardsCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.53%APY$1,097 over 36 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates under $100,000. Minimum of $1,000 to open account.
3.48% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 21, 2026
Rate checked
More details - LNB Community BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.53%APY$1,097 over 36 months on $10,000Requirements
Product: Penalties may apply for early withdrawal of funds. Interest earned can be added to Certificate, mailed by check, or deposited into an LNB Community Bank checking or savings account.
Offer: 3 Years Relationship
3.50% interest rate · Effective Sep 22, 2026
Rate checked
More details - Citizens National Bank of AlbionCertificate of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.53%APY$1,097 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Minimum deposit required to open all accounts is $1,000.00 unless otherwise stated.
Offer: 36 Months Certificates. A penalty may be imposed for early withdrawal.
3.50% interest rate · Effective Sep 22, 2026
Rate checked
More details - Odin State BankThree Year CertificateCD · 36 months · $500 min · 3.02%–3.53% by balance
Bank · Add a location to see nearby branches
3.53%APY$1,097 over 36 months on $10,000Requirements
Offer: Tier 1
3.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Three Year Certificate Balance APY $500 and up 3.02% $10,000 and upYour amountTier 2 3.53% 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
4,164 CDs at 3,670 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