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 1276–1290 of 4,164 results
- Reliant Credit UnionInvestor CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.
3.41% interest rate · Effective Sep 22, 2026
Rate checked
More details - Hidden River Credit UnionShare Certificates of DepositCD · 36 months · $500 min · 3.45%–3.51% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Minimum deposit of $500 is required to open a Certificate of Deposit ($75,000 for Jumbo). Additional deposits not allowed after account is open. APY assumes principal and dividends remain on deposit until maturity. Early withdrawal penalties apply. Certificate automatically renews (7-day grace period at maturity). Dividends compounded and paid monthly.
Offer: Regular CD tier. Early withdrawal penalties apply. Automatically renews.
3.40% interest rate
Rate by balance
Rate by balance for Share Certificates of Deposit Balance APY $500 – $75,000Your amount 3.45% $75,000 and up 3.51% Rate checked
More details - Wescom FinancialShare CertificateCD · 36–47 months · $500 min
Credit union · Add a location to see nearby branches
3.45%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: Signature Member tier; 36 to 47 months.
3.39% interest rate
Rate checked
More details - Honda Federal Credit UnionSavings CertificateCD · 36 months · $10,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
Offer: Premier tier. Early withdrawal penalty applies.
3.39% interest rate · Effective Oct 12, 2026
Rate checked
More details - Beach Cities Commercial BankCertificate of Deposit AccountsCD · 36 months · $2,500 min · 3.45%–3.75% by balance
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Stated APY assumes that deposit balances remain until maturity. Interest is compounded monthly and credited monthly. Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty. CDs will automatically renew at maturity into the closest standard term available at the then-current market rate. You have a 10-calendar day grace period after the maturity date to withdraw funds without penalty.
3.40% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificate of Deposit Accounts Balance APY $2,500 and upYour amount 3.45% $100,000 and up 3.60% $250,000 and up 3.75% Rate checked
More details - American 1 Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Non-compounding; payout of dividends is mandatory (monthly, quarterly, semi-annually, or annually). Calculated by daily balance method. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Non-compounding.
3.45% interest rate · Effective Oct 15, 2026
Rate checked
More details - HARVESTER FINANCIALShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Minimum deposit is $500. Terms and Conditions subject to change without notice. Penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Aurora Federal Credit UnionTerm CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Minimum opening deposit of $500 required. Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Sep 2, 2026
Rate checked
More details - Columbine FCURegular Share CertificatesCD · 36 months · 3.40%–3.45% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Early withdrawal penalty may apply: 90 days dividends for terms of 1 year or less, 180 days dividends for terms longer than 1 year. Membership eligibility required. Federally insured by NCUA.
Effective Feb 2, 2026
Rate by balance
Rate by balance for Regular Share Certificates Balance APY Any balance 3.40% $1,000 – $100,000Your amountEarly withdrawal penalty: 180 days dividends. 3.45% Rate checked
More details - Northern New Mexico School Employees Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000intro ratePromotional rate · 3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Quaint Oak BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Certificates of deposit accounts carry a substantial penalty for early withdrawal. All rates are subject to change.
Offer: Early withdrawal penalty applies.
3.35% interest rate · Effective Oct 6, 2026
Rate checked
More details - Greater Valley CUShare CertificatesCD · 36 months · $1,000 min · 3.45%–3.56% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Automatically renews at the end of term. Grace period of seven (7) days after maturity date to deposit, withdraw or change terms. Dividends compounded monthly. Penalties for early withdrawals.
3.40% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $50,000Your amount 3.45% $50,000 and up 3.56% Rate checked
More details - Bank MidwestCertificates of DepositCD · 36 months · $500 min · 3.45%–3.55% by balance
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal: maturity 182 days or less is equal to 90 days of simple interest; 12 to 24 months is equivalent to 180 days of simple interest; 30 to 60 months is equivalent to 360 days of simple interest. Penalty does not apply upon death or judicially declared incompetence of the owner.
Offer: 36-month Certificate of Deposit
3.40% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.45% $250,000 and up 3.55% Rate checked
More details - LOC Credit UnionHeroes CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000with conditionsRequirements
Product: Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty.
Qualified rate · 3.40% interest rate · Effective Oct 5, 2026
Rate checked
More details - Bank of Lake MillsCertificates of Deposit (CDs)CD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Minimum balance to open and obtain the APY. Early withdrawal may be subject to penalty. APY assumes interest remains on deposit. Fees could reduce earnings. Withdrawal of interest will reduce earnings.
Offer: 3 Year CD. Minimum balance to open and obtain APY is $500.
3.39% interest rate · Effective Sep 9, 2026
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%
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