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 1351–1365 of 4,164 results
- Pikes Peak Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000intro rateRequirements
Product: Minimum opening deposit $500. Minimum balance to earn dividends $500. Penalty for early withdrawal. Dividends paid monthly. 10 calendar-day penalty-free grace period at maturity.
Promotional rate · 3.35% interest rate · Effective Oct 4, 2026
Rate checked
More details - Acclaim Federal Credit UnionSuper SaverCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Must establish a Membership Savings account prior to opening. Early withdrawal penalties apply. Rates are variable and subject to change without notice.
Offer: Early withdrawal penalties apply.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - FedChoice Federal Credit UnionShare CertificatesCD · 36 months · $500 min · 3.40%–3.45% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000intro rateRequirements
Product: $500 Minimum Opening Balance. Dividends are Compounded/Credited Quarterly on Regular Share Certificate terms. Term Certificate accounts may be subject to penalties for early withdrawal.
Offer: 36 Months Regular. FedPerks APY applied when member is a FedPerks Member. Dividends compounded/credited quarterly.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $49,999Your amount 3.40% $50,000 and up36 Months Mini-Jumbo. 3.45% Rate checked
More details - Great Falls Federal Credit UnionShare Certificate of DepositCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Offer: Minimum deposit to earn dividends: $1000.00
3.35% interest rate · Effective Oct 3, 2026
Rate checked
More details - SELCO Community Credit UnionStandard CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.
Offer: Certificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999.
Qualified rate · 3.36% interest rate · Effective Oct 3, 2026
Rate checked
More details - Beginnings Credit UnionCertificatesCD · 36 months · $500 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.
Offer: Compounded monthly. Penalty for early withdrawal.
Compounded monthly · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.40% $25,000 and up 3.50% $100,000 and up 3.60% Rate checked
More details - Old Dominion National BankCertificates of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Interest accrues daily and credited in accordance with product statement cycle. Early withdrawal penalties apply. Fees may reduce earnings.
3.36% interest rate · Effective Sep 17, 2026
Rate checked
More details - Haven Savings BankCertificates of DepositCD · 36 months · $100 min
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). Interest is compounded continuously and credited monthly. Penalty for early withdrawal of principal. Fees may reduce earnings. 7 calendar days grace period from maturity date.
Offer: Interest is compounded continuously. Penalty for early withdrawal.
3.34% interest rate · Effective Jun 30, 2026
Rate checked
More details - Insight Credit UnionRegular CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends paid at the end of each month. Fees may reduce earnings. Rates may change without notice.
Effective Mar 2, 2026
Rate checked
More details - St. Paul Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Must open a share savings account and maintain the minimum balance of $5.00. Early withdrawal penalties apply (90 days dividends for 6-month term, 180 days dividends for 12, 15, and 18-month terms, 365 days dividends for 24, 36, 48, and 60-month terms).
Offer: Penalty equals 365 days dividends on the amount withdrawn.
3.35% interest rate · Effective May 19, 2026
Rate checked
More details - Ohio Healthcare FCURegular CertificatesCD · 36 months · $250 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Rates fixed for term. Early withdrawal penalty applies: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Insured by NCUA up to $250,000.
3.34% interest rate · Compounded daily · Effective Apr 1, 2026
Rate checked
More details - COPFCUSavings CertificatesCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: $1,000 minimum to open. Terms range from 3 months to 5 years. Fixed rate guaranteed for the selected term. Penalties apply for early closure or withdrawal.
3.35% interest rate · Effective Sep 1, 2026
Rate checked
More details - DuGood Federal Credit UnionCertificateCD · 36 months · $1,000 min · 3.40%–3.51% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
Offer: Early withdrawal penalties may apply. Any fee incurred could reduce earnings.
3.35% interest rate · Effective Feb 18, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and upYour amount 3.40% $50,000 and up 3.45% $100,000 and up 3.51% Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 36 months · $1,000 min · 3.30%–3.40% by balance
Bank · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.35% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.40% $250,000 and upReduced rate applies. 3.30% Rate checked
More details - Texas Bridge Credit UnionRegular Share CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Fees may reduce earnings.
Offer: Fees may reduce earnings.
3.36% interest rate · Effective Jul 1, 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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