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 1291–1305 of 4,164 results
- BLC Community BankCertificate of Deposit (CD)CD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000with conditionsRequirements
Product: Certificates will automatically renew for the same term at the current posted rate of interest unless redeemed within 10 days of the maturity date. Penalty may be imposed for early withdrawal.
Offer: Automatically renews at maturity at prevailing rate and term. Interest compounded quarterly and credited quarterly and at maturity.
Qualified rate · 3.41% interest rate · Compounded quarterly · Effective Sep 28, 2026
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More details - 3.45%APY$1,071 over 36 months on $10,000
Requirements
Product: Rates effective as of October 1, 2026. Penalty may be imposed for early withdrawal. Rates will normally change every Wednesday, but are subject to change at any time.
Offer: Penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Oct 1, 2026
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More details - Telco Community Credit UnionCertificate of DepositCD · 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: Early withdrawal penalty applies: 90 days dividends for terms under 1 year; 180 days dividends for terms of 1 year or greater. Deposits federally insured up to $250,000 by NCUA.
3.45% interest rate · Effective Oct 4, 2026
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More details - DEXSTA Federal Credit UnionRegular Share CertificatesCD · 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: Membership eligibility required. A minimum balance of $1,000 is required to earn the disclosed APY. Dividends are compounded monthly and calculated using the daily balance method. Early withdrawal penalties apply.
Offer: Early withdrawal penalty equals the lesser of dividends since issuance or 180 days' dividends.
3.40% interest rate · Compounded monthly · Effective Sep 23, 2026
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More details - WCLA 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: Share Certificates are automatically renewed at maturity without a grace period. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 365 days’ dividends.
3.39% interest rate · Effective Sep 17, 2026
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More details - Community 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 $10,000Requirements
Product: Minimum balance to open the account and earn the APY is $500. Early withdrawal penalties may apply (penalty can be waived for qualifying life events such as disability, death, or nursing home care). Automatically renewable unless otherwise specified. No setup or maintenance fees.
3.40% interest rate · Effective Sep 23, 2024
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More details - West Virginia National Guard FCUCD'sCD · 36 months
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Penalties applied for early withdrawal, which may decrease earnings.
Offer: Penalties applied for early withdrawal, which may decrease earnings.
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More details - United Poles Federal Credit UnionCertificateCD · 36 months
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,0003.40% interest rate · Effective Sep 18, 2025
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More details - United Poles Federal Credit UnionCertificate PLU$CD · 36 months
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,0003.40% interest rate · Effective Sep 18, 2025
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More details - San Antonio Citizens Federal Credit UnionShare 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: Dividends are compounded daily and credited monthly to the certificate. Penalties for early withdrawal apply.
3.39% interest rate · Compounded daily
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More details - Farmers and Drovers BankJump Rate CDCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Offer: Interest compounding frequency: Quarterly. Interest availability: Quarterly.
3.41% interest rate · Effective Sep 19, 2024
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More details - Farmers State BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000intro rateRequirements
Product: A $500.00 minimum balance is required to open. CD interest is calculated on the daily balance method. APY is based on semi-annual compounding except terms of 91 days or less. Early withdrawal penalty may be imposed. Single maturity certificates draw no interest after maturity. New customer CDs require visiting the bank in person.
Promotional rate · 3.42% interest rate · Effective Aug 11, 2026
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More details - First Bank HamptonCertificates of Time DepositCD · 36 months · $1,000 min · 3.35%–3.55% by balance
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Low opening deposit of $1,000. Receive reminders before maturity and automatic renewals.
Offer: Interest compounded quarterly. Early withdrawal penalties may apply: over 12 months maturity is 15 months interest.
3.31% interest rate · Compounded quarterly · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Time Deposit Balance APY $1,000 – $7,500 3.35% $7,500 – $100,000Your amount 3.45% $100,000 and up 3.55% Rate checked
More details - CrossRoads Community Federal Credit UnionTerm Share 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: Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
3.40% interest rate · Effective Feb 27, 2026
Rate checked
More details - Westminster Federal 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: Dividends compounded daily and credited quarterly. Additional deposits are not allowed on Share Certificates. Early withdrawal penalty is 180 days.
3.39% interest rate · Compounded daily
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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
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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