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 1126–1140 of 4,164 results
- City National BankCertificate of DepositCD · 36–47 months · $500 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE: Non-Compounding. Term 36 - 47 months.
3.50% interest rate
Rate checked
More details - 3Rivers Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
Offer: Early withdrawal penalty is 180 days' dividends.
3.44% interest rate · Effective Oct 22, 2026
Rate checked
More details - Meritrust Credit Union – ColoradoShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: $500 minimum opening balance and minimum balance to earn APY. A penalty may be imposed for early withdrawal. Fees can reduce earnings. Fixed rate. Dividends compounded and credited monthly. Automatically renewable with a 10-day grace period.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - Options Credit UnionCertificates (CD)CD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
Offer: Premier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest.
Effective Oct 20, 2026
Rate checked
More details - Torrington Savings BankCertificates of Deposit (CD)CD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: $1,000 minimum deposit to open. Terms from 3 to 60 months. Interest is compounded daily and credited monthly and may be withdrawn before maturity. Early withdrawal penalty: for terms from 3 months to 1 year, penalty is 3 months simple interest; for terms of more than one year, penalty is 6 months simple interest.
Offer: Early withdrawal penalty is 6 months simple interest.
3.44% interest rate · Compounded daily
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More details - Merchants State BankCertificates of DepositCD · 36 months · $100 min
Bank · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Terms from 3 months to 5 years. Interest can be compounded back into the CD or directly deposited to your Merchants State Bank checking or savings account. A penalty may be imposed for early withdrawal. Interest will be credited annually or more frequently. $100 minimum deposit required for CD terms, unless special noted.
3.44% interest rate
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More details - RIM Country FCUShare CertificateCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000intro rateRequirements
Product: All rates subject to change without notice. Fee for early withdrawal: $10.00, in addition up to 30 days of interest may be forfeited.
Offer: New Certificates
Promotional rate · 3.50% interest rate · Effective Sep 24, 2026
Rate checked
More details - InTouch Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,0003.45% interest rate · Effective Oct 13, 2026
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More details - Unity One Credit UnionSavings CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years earning the rate of the preceding certificate tier. Bump-up rate options for 2 and 3-year terms. Ability to add to balance during term.
Offer: Fixed dividend rate and APY. Bump-up rate option available. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings.
Rate checked
More details - State BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: Minimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity.
3.46% interest rate
Rate checked
More details - Syracuse Fire Department Credit UnionTerm Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal.
Offer: Penalties may be imposed for early withdrawal.
3.45% interest rate · Effective Oct 9, 2026
Rate checked
More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Qualified rate · 3.44% interest rate · Effective Oct 16, 2026
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More details - UHS Employees Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Dividends require balance of at least $25.00. Penalty for early withdrawal: 90 days interest for certificates less than 3 years; 240 days interest for certificates 3 years or more.
Offer: Penalty for early withdrawal: 240 days interest.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Wescom FinancialShare CertificateCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Product: Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.
Offer: Platinum Signature Member tier; 36 to 47 months.
3.44% interest rate
Rate checked
More details - OE Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (24 to 47 months: 150 days of dividends).
Effective Oct 16, 2026
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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%
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