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 1246–1260 of 4,164 results
- BMI Federal Credit UnionBump CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Variable Rate - member has discretion. Opportunity to increase (bump) dividend rate one time during the term to the rate currently in effect for the corresponding Bump Certificate, with a maximum 100 basis point increase from the original dividend rate. Membership share requirement ($5.00) applies. Automatically renewable.
3.45% interest rate · Effective Sep 30, 2026
Rate checked
More details - Alliance Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
Offer: Rate Bump
3.45% interest rate · Compounded quarterly
Rate checked
More details - First National Bank of CommerceCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Rates fixed during term; established weekly. Accounts automatically renew at maturity at the rate in effect at maturity. Early withdrawal penalties may apply. Interest compounded quarterly or monthly check only if over $50.00; no monthly compounding on any CD. For balances over $250,000.01, please see an officer.
3.70% interest rate · Compounded quarterly · Balance cap $250,000.01 · Effective Aug 6, 2025
Rate checked
More details - Sentry Credit UnionTerm Share CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Dividends earned daily, compounded and posted quarterly (except 6-month term where dividend is paid at end of term). Early withdrawal penalty may apply. Fees may reduce earnings. 24-month or longer certificates may qualify for Customiser Coupons to bump rate and/or add deposits.
Offer: Dividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit.
3.45% interest rate · Effective Oct 5, 2026
Rate checked
More details - The Bank of TescottCertificates of Deposit (CDs)CD · 36 months · $1,000 min · 3.15%–3.49% by balance
Bank · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Interest compounds quarterly; automatically renews. Substantial penalty for early withdrawal (e.g., 90 days interest for less than 12 months or 180 days interest for greater than 12 months).
Offer: Interest compounds quarterly; automatically renews. Early withdrawal penalty applies.
3.11% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $10,000 3.15% $10,000 and upYour amount 3.49% Rate checked
More details - Memphis City Employees Credit UnionCertificates of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Membership eligibility required. Minimum deposit of $1,000 required to open any Certificate Account. 60 days penalty for early withdrawal.
3.45% interest rate · Effective Sep 1, 2026
Rate checked
More details - First State Bank of BigforkCertificates of Deposit (CDs)CD · 36 months · $500 min · 3.39%–3.60% by balance
Bank · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Fixed rates. Early withdrawals subject to penalty. Grace period of 10 calendar days after maturity. No setup or maintenance fees.
Offer: Early withdrawal penalty of 180 days interest. Grace period of 10 calendar days after maturity.
3.35% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $5,000 3.39% $5,000 – $45,000Your amount 3.49% $45,000 and up 3.60% Rate checked
More details - Artesia Credit UnionShare CertificatesCD · 36 months · $5,000 min
Credit union · Add a location to see nearby branches
3.49%APY$1,084 over 36 months on $10,000Requirements
Product: Dividends are compounded daily and applied quarterly. $5,000.00 minimum deposit. Early withdrawal penalty: 90 days. Certificates which are automatically renewed will receive the rate in effect on the renewal date. Fees could reduce earnings.
Offer: Early withdrawal penalty: 90 days.
3.45% interest rate · Compounded daily · Effective Apr 1, 2025
Rate checked
More details - Bayou Community Federal Credit UnionCertificate of DepositsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.46%APY$1,074 over 36 months on $10,000Requirements
Product: Membership at Bayou Community FCU is open to anyone who lives, works, worships, or attends school in St. Gabriel and surrounding areas. Minimum of $500 to open certificates; certificates are payable monthly or at maturity. Rates are determined monthly.
Offer: Pays Monthly.
3.40% interest rate · Effective Jun 1, 2026
Rate checked
More details - Virginia Credit UnionSavings CertificatesCD · 36 months · $500 min · 3.45%–3.65% by balance
Credit union · Add a location to see nearby branches
3.46%APY$1,074 over 36 months on $10,000Requirements
Product: Limited to a single, one-time deposit with a term limit of 5 years (except 6 or 12 month certificates which allow ongoing contributions/add-on deposits). Early withdrawal penalty may apply. Minimum opening deposit $500.
Offer: Compounding frequency: Quarterly. Early withdrawal penalty may apply.
3.41% interest rate
Rate by balance
Rate by balance for Savings Certificates Balance APY $500 – $5,000 3.45% $5,000 – $50,000Your amountCompounding frequency: Monthly. 3.46% $50,000 – $100,000Compounding frequency: Monthly. 3.55% $100,000 and upCompounding frequency: Monthly. 3.65% Rate checked
More details - Bay Federal Credit UnionCertificatesCD · 36 months · $1,000 min · 3.46%–3.56% by balance
Credit union · Add a location to see nearby branches
3.46%APY$1,074 over 36 months on $10,000Requirements
Product: Dividends are paid for the length of the term listed. A substantial penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $99,999Your amount 3.46% $100,000 and up 3.56% Rate checked
More details - Raritan State BankCertificates of DepositCD · 36 months · $5,000 min
Bank · Add a location to see nearby branches
3.46%APY$1,074 over 36 months on $10,000Requirements
Product: Automatically renewable CDs are available. Interest on 91 and 182 day CDs is paid at maturity only. On all other terms, interest may be paid monthly, quarterly, semi-annually, or annually. Penalty assessed for early withdrawal of funds.
Offer: 36 Month CD.
3.40% interest rate
Rate checked
More details - SeaWest Coast Guard Federal Credit UnionTerm Share CertificateCD · 36 months · $500 min · 3.46%–3.51% by balance
Credit union · Add a location to see nearby branches
3.46%APY$1,074 over 36 months on $10,000Requirements
Product: Rates are subject to change without notice. Early withdrawal penalty is equal to 30 to 90 days of dividends on funds withdrawn prior to maturity. Federally insured up to $250,000.
Offer: A one-time rate bump-up is included for certificates with terms of 24 months or longer and a minimum balance of $2,500 to the current rate being offered for the same term.
3.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $49,999Your amount 3.46% $50,000 and up 3.51% Rate checked
More details - JM Associates FCUTerm Share CertificateCD · 36 months · $1,000 min · 3.46%–3.51% by balance
Credit union · Add a location to see nearby branches
3.46%APY$1,074 over 36 months on $10,000Requirements
Product: Penalties for early withdrawal on term share accounts.
3.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 and upYour amount 3.46% $50,000 and up 3.51% Rate checked
More details - RTP Federal Credit UnionCertificate AccountsCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
3.46%APY$1,074 over 36 months on $10,000Requirements
Product: Interest is compounded daily and posted monthly. Automatically renewed at prevailing rate at maturity unless instructed otherwise. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties may apply for early withdrawal.
3.40% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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