Best 36-Month CD Rates - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Top 36-month CD rates currently available include Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 4.11% offering Adjustable 36 Month Term Super Jumbo Max at 4.18% APY, and Members First Credit UnionMembers First Credit Union120 E 1000 S, Brigham City, UT 84302 4357A+5.0 ★Texas Ratio: 0.58% offering 3 Year CD at 4.15% APY, and Jordan Federal Credit UnionJordan Federal Credit Union9260 S 300 E, Sandy, UT 84070A+5.0 ★Texas Ratio: 3.01% offering 36 Month Certificate Account at 4.05% APY, and Mid-America BankMid-America Bank802 Ames St, Baldwin City, KS 66006A+5.0 ★Texas Ratio: 0.00% offering 36 Month CD or IRA Jumbo at 4.04% APY.
A 3-year CD is well-suited for savers with a medium-term horizon who want to lock in a solid fixed rate without committing to five years. It balances yield and accessibility, and pairs well with a CD ladder strategy. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 36-Month CD Rates Last Updated and Verified: March 19, 2026
36-Month CD Rate Trend
Daily national average APY for 36-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
36-Month CD — National Avg
2.582%
▼ 0.179 from last week
Compiled from 4,944 current rates
National 36-month CD rates fell 0.179 points this week to 2.582% APY, down from 2.761% last week.
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Compare the Best 36-Month CD Rates Nationwide
Institution
Product
Min Deposit
APY
Profile
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
UpdatedMar 18, 2026
Details
No additional details available.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
3 Year CD
$0
4.15%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
9260 S 300 E, Sandy, UT 84070
36 Month Certificate Account
$500
4.05%
▼
Rate3.98%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
36 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
UpdatedMar 14, 2026
Details
No additional details available.
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 3 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 3 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year) 3 year
$250,001
3.97%
▼
Rate3.90%
Min Deposit$250,001
UpdatedMar 15, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit Year 3 term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
UpdatedMar 16, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
UpdatedMar 16, 2026
Details
No additional details available.
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
335 W Butler Ave, Chalfont, PA 18914
Jumbo Certificates 36-Month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 3 Year
$90,000
3.87%
▼
Rate3.80%
Min Deposit$90,000
UpdatedMar 14, 2026
Details
No additional details available.
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
36 Month Certificate
$500
3.85%
▼
Rate3.80%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
36 Month CD
$1,000
3.84%
▼
Rate3.80%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
3131 Mishicot Rd, Two Rivers, WI 54241
Share Certificates and IRA Certificates 36 month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
255 Fiserv Dr, Brookfield, WI 53045
3-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX 75605 7916
36 Month IRA Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
36 Month IRA Certificates
$0
3.79%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 19, 2026
Details
No additional details available.
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
265 Old Springfield Rd, Lebanon, KY 40033
36 Month CD
$0
3.78%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
CERTIFICATES OF DEPOSIT 36 Month
$5,000
3.77%
▼
Rate3.70%
Min Deposit$5,000
UpdatedMar 14, 2026
Details
No additional details available.
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
36-month online CD
$25,000
3.76%
▼
Rate3.69%
Min Deposit$25,000
UpdatedMar 15, 2026
Details
No additional details available.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
639 Loyola Ave Ste 220, New Orleans, LA 70113 3130
36-month Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
36 Month Bonus Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
104 S Cascade Ave, Colorado Springs, CO 80903
36 Month Variable IRA
$250
3.70%
▼
Rate3.64%
Min Deposit$250
UpdatedMar 17, 2026
Details
No additional details available.
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
33 N 6th St, Greybull, WY 82426
3 year CD
$0
3.69%
▼
Rate3.62%
Min Deposit$0
UpdatedMar 18, 2026
Details
Entire Balance
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 36 Month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
5121 Whiteford Rd, Sylvania, OH 43560
36 Month Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
Atrium Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6051 Market Ave Ste C, Middletown, OH 45005 5239
IRA 36 Month Certificate
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
UpdatedMar 18, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 36 Month to 47 Month
$0
3.62%
▼
Rate3.57%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.83%
5248 Hill Ave, Toledo, OH 43615 5868
36 month Savings Certificates
$1,000
3.61%
▼
Rate3.56%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
36 Month Certificates & IRA Certificates
$500
3.60%
▼
Rate3.55%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
111 Castner St, Belt, MT 59412
3 Year CD
$500
3.59%
▼
Rate3.54%
Min Deposit$500
UpdatedMar 18, 2026
Details
Penalty for early withdrawal may apply.
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
4th Street And Lafayette Avenue, Palmerton, PA 18071
3 Year Adjustable CD
$1,000
3.57%
▼
Rate3.52%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ 07801
36 month IRA share certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 3 Year
$500
3.55%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
36 Month Certificate of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
36 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1110 Elkton Rd, Newark, DE 19711
SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (36-Month)
$0
3.51%
▼
Rate3.50%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
IRA/Share Certificates & Business Share Certificates 3 year
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
UpdatedMar 18, 2026
Details
$100,000+
Port Richmond Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2522 E Allegheny Ave, Philadelphia, PA 19134
36 month Certificates of Deposit
$500
3.49%
▼
Rate3.43%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Tendto Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1129 State St, Erie, PA 16501 1911
IRA 36 month Certificate
$0
3.48%
▼
Rate3.44%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Raritan State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
106 E Main St, Raritan, IL 61471
36 Month CD
$5,000
3.46%
▼
Rate3.40%
Min Deposit$5,000
UpdatedMar 11, 2026
Details
No additional details available.
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1536 Riverside Dr, S Williamsport, PA 17702
3 year Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
UpdatedMar 15, 2026
Details
<$5,000
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO 63128
Certificates of Deposit - 36-month term
$0
3.44%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
36-Month Jr Jumbo Share CD
$0
3.43%
▼
Rate3.38%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year Term CD
$0
3.42%
▼
Rate3.40%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
Rate3.35%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 36 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
3 Year Certificates of Deposit
$500
3.36%
▼
Rate3.32%
Min Deposit$500
UpdatedMar 19, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM 87505
36-Month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
IRA Share Certificate (36-month)
$0
3.34%
▼
Rate3.30%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
36 month CD and over
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
UpdatedMar 15, 2026
Details
$100,000
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
11030 Hull Street Rd, Midlothian, VA 23112
36 month certificate
$5,000
3.31%
▼
Rate3.26%
Min Deposit$5,000
UpdatedMar 15, 2026
Details
No additional details available.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 month Certificates and IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 3 Year
$500
3.29%
▼
Rate3.25%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
FCN Bank, N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
501 Main St, Brookville, IN 47012
36 Month CD
$0
3.28%
▼
Rate3.25%
Min Deposit$0
UpdatedMar 16, 2026
Details
$1,000 - $99,999.99
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1430 S BROADWAY, MINOT, ND 58701 5933
36 Month Share Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
UpdatedMar 16, 2026
Details
Minimum deposit: $500
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
36 Month CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
159 W James St, Columbus, WI 53925
36 Month IRA CD
$1,000
3.23%
▼
Rate3.20%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
De Witt Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
302 W Main St, Clinton, IL 61727
3 Year Certificate of Deposit
$1,000
3.21%
▼
Rate3.16%
Min Deposit$1,000
UpdatedMar 13, 2026
Details
No additional details available.
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
36-Month Share Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
UpdatedMar 15, 2026
Details
$100,000 and over
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
36 Month CD
$0
3.19%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
Natural Resources Conservation Service Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
501 W Felix St Bldg 24, Fort Worth, TX 76115 3404
36 Month Term Share Certificate Account (New Member/New Money)
$0
3.18%
▼
Rate—
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 36 Month
$0
3.17%
▼
Rate3.12%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Columbus Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
2501 13th St, Columbus, NE 68601
36 Month Youth Saver CD
$100
3.16%
▼
Rate3.16%
Min Deposit$100
UpdatedMar 18, 2026
Details
No additional details available.
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
36 Month Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Bank of Star Valley
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
384 S Washington St, Afton, WY 83110
3 Year Certificate
$250
3.14%
▼
Rate3.10%
Min Deposit$250
UpdatedMar 18, 2026
Details
No additional details available.
Bank of Edmonson County
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
109 S Main St, Brownsville, KY 42210
36 Month CD Semi-Annually
$500
3.12%
▼
Rate3.10%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
2601 S John Redditt Dr, Lufkin, TX 75904 5624
36 Month Certificate
$0
3.11%
▼
Rate3.10%
Min Deposit$0
UpdatedMar 17, 2026
Details
Starting at $10,000+
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.16%
101 Western Ave, Hampden, ME 04444
3 year Certificate
$500
3.10%
▼
Rate3.06%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
101 E Washington Blvd, Fort Wayne, IN 46802
36 Mo Share Certificates
$0
3.09%
▼
Rate3.05%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Eaton Family Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.33%
28954 Chardon Rd, Willoughby Hills, OH 44092
Certificate of Deposit 36 month
$0
3.08%
▼
Rate3.05%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
Ergo Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
86 E Water St, Markesan, WI 53946
36 Month Fixed Rate IRA
$500
3.07%
▼
Rate3.05%
Min Deposit$500
UpdatedMar 13, 2026
Details
No additional details available.
600 Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
255 Fiserv Dr, Brookfield, WI 53045
3 year CD
$2,500
3.05%
▼
Rate3.05%
Min Deposit$2,500
UpdatedMar 17, 2026
Details
No additional details available.
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
36 Month Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 18, 2026
Details
$1,000.00 Minimum balance required
UNO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
2000 LAKESHORE DR, NEW ORLEANS, LA 70148 3520
36 Month (3 Years) Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Goose River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
44 Main St W, Mayville, ND 58257
36 month CD
$1,000
3.02%
▼
Rate3.00%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
G.A.P. Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
111 Franklin St Rm 224, Johnstown, PA 15901
IRA/36 Month Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Share Certificate 36 Month
$50,000
2.99%
▼
Rate2.95%
Min Deposit$50,000
UpdatedMar 15, 2026
Details
No additional details available.
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI 49461
3 Year Jumbo* Certificates of Deposit
$0
2.95%
▼
Rate2.91%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
CORE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
43 N Main St, Statesboro, GA 30458
36-Month CD
$0
2.94%
▼
Rate2.90%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL 35242 4879
Loyalty Share Certificates 36 Month
$10,000
2.93%
▼
Rate2.90%
Min Deposit$10,000
UpdatedMar 14, 2026
Details
No additional details available.
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
9 W Minnesota Ave, Winger, MN 56592
Roth IRA 36 Month
$0
2.92%
▼
Rate2.90%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 3 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
The Peoples Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
222 W Commercial St, Mazomanie, WI 53560
3 Year College Saver CD
$0
2.90%
▼
Rate2.86%
Min Deposit$0
UpdatedMar 15, 2026
Details
With bump-up feature
East County Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1069 Graves Ave Ste 100, El Cajon, CA 92021 4573
36 Month Certificate
$1,000
2.89%
▼
Rate2.85%
Min Deposit$1,000
UpdatedMar 13, 2026
Details
No additional details available.
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
3 Year Share Certificate Accounts
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
Blackhawk Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2640 W Court St, Janesville, WI 53548
3 Year Share or IRA Certificate
$0
2.85%
▼
Rate2.82%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3227 Schneider Ave SE, Menomonie, WI 54751
36 Month Share Certificates and IRAs
$0
2.84%
▼
Rate2.80%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Greater Springfield Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1030 Wilbraham Rd, Springfield, MA 01109
36 Month Share Certificate of Deposits and IRA
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
UpdatedMar 14, 2026
Details
No additional details available.
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
36 Month CD
$25,000
2.82%
▼
Rate2.80%
Min Deposit$25,000
UpdatedMar 15, 2026
Details
No additional details available.
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
3 Year Certificate
$0
2.81%
▼
Rate2.77%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
36 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
UpdatedMar 14, 2026
Details
No additional details available.
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
36 Month CD
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
UpdatedMar 18, 2026
Details
No additional details available.
Service Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2110 53rd St, Moline, IL 61265
36 month Share/IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Triad Bank, N.A.
Institution Rating:
F2.2 ★Texas Ratio: 48.96%
7646 E 61st St, Tulsa, OK 74133
Certificates and Over 36 Month
$0
2.77%
▼
Rate2.75%
Min Deposit$0
UpdatedMar 15, 2026
Details
$100,000; comp semi-annually
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
CDs and IRAs (personal) 3 year one-time bump up
$5,000
2.75%
▼
Rate2.72%
Min Deposit$5,000
UpdatedMar 13, 2026
Details
No additional details available.
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
425 Hooksett Rd, Manchester, NH 03104
36 Month Certificate
$500
2.74%
▼
Rate2.71%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
100 S Main St, Sanborn, MN 56083
Certificate of Deposit 36 Month Term
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
3 Year IRA Certificate
$500
2.70%
▼
Rate2.66%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
FNB of McConnelsville
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
11 Public Sq, Nelsonville, OH 45764
IRA 36 Month Fixed Rate
$250
2.69%
▼
Rate2.65%
Min Deposit$250
UpdatedMar 18, 2026
Details
No additional details available.
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
36 Month Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 36 Month Certificate
$5,000
2.65%
▼
Rate2.62%
Min Deposit$5,000
UpdatedMar 15, 2026
Details
No additional details available.
Mound City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
25 E Pine St, Platteville, WI 53818
3 Year CD
$2,500
2.64%
▼
Rate2.62%
Min Deposit$2,500
UpdatedMar 14, 2026
Details
No additional details available.
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN 55125 1495
36 Month Certificate
$500
2.63%
▼
Rate2.60%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
145 E Main St, Coldwater, KS 67029
3 Year Certificate of Deposit
$500
2.62%
▼
Rate2.60%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Homewood Federal SB
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3228 Eastern Ave, Baltimore, MD 21224
36 Month Certificate of Deposit
$500
2.60%
▼
Rate2.54%
Min Deposit$500
UpdatedMar 14, 2026
Details
No additional details available.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
36-month - Share Certificates
$0
2.58%
▼
Rate2.55%
Min Deposit$0
UpdatedMar 14, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
36 Month Share Certificates
$0
2.57%
▼
Rate2.55%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
Share IRA Certificates 36 month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA 50208 3040
36 mo. Term Share
$100,000
2.54%
▼
Rate2.51%
Min Deposit$100,000
UpdatedMar 17, 2026
Details
No additional details available.
Mohave Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
2809 N Stockton Hill Rd, Kingman, AZ 86401 4139
Term Certificate 3 year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 17, 2026
Details
over $50,000
Lakewood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
1305 State Highway 102, Rib Lake, WI 54470
36 Month Certificate
$500
2.52%
▼
Rate2.50%
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
3 Year Certificate
$0
2.51%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
10110 E 11th St, Tulsa, OK 74128
IRA 3 Year Certificate
$0
2.50%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 19, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
3 Year Certificate
$0
2.48%
▼
Rate2.45%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Ladysmith Federal S&L
Institution Rating:
B4.5 ★Texas Ratio: 20.88%
119 W 4th St N, Ladysmith, WI 54848
3 Year Certificates of Deposit
$1,000
2.47%
▼
Rate2.45%
Min Deposit$1,000
UpdatedMar 17, 2026
Details
No additional details available.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Year Certificate
$500
2.45%
▼
Rate—
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
New Haven County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Broadway, North Haven, CT 06473
Share Certificate 3 year
$0
2.43%
▼
Rate2.40%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
WCB West Central Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
400 E Buchanan St, Ashland, IL 62612
36 Month CD (3 Year)
$0
2.42%
▼
Rate2.40%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Cheyenne Laramie County Employees FCU
Institution Rating:
A+5.0 ★
4523 Driftwood Dr, Cheyenne, WY 82009 7301
36 Month Share Certificate
$500
2.41%
▼
Rate2.39%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
36 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
UpdatedMar 18, 2026
Details
No additional details available.
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
3 Year CD Gold
$0
2.38%
▼
Rate2.35%
Min Deposit$0
UpdatedMar 15, 2026
Details
Requires a minimum balance of $500.00
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
36 MO CERTIFICATE
$500
2.37%
▼
Rate—
Min Deposit$500
UpdatedMar 17, 2026
Details
No additional details available.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024
IRA 36 month
$0
2.36%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
200 Riverfront Ter, Eau Claire, WI 54703
Business Certificates 36 month
$0
2.35%
▼
Rate2.33%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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CD Calculators
36-Month CD FAQs
What is a 36-Month (3-Year) Certificate of Deposit?
A 36-month CD is a savings account that holds a fixed amount of money for three years. In exchange for that commitment, banks typically offer a higher fixed interest rate than shorter-term savings products.
How do 3-year CD rates compare to shorter-term CDs?
In a normal yield curve environment, 3-year CDs offer higher rates than 1- or 2-year CDs. In an inverted or flat yield curve, shorter terms can sometimes match or exceed longer ones, so compare all available terms before deciding.
Is my money safe in a 36-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution, giving you full principal protection up to that limit.
What happens if I withdraw money from a 3-year CD early?
Early withdrawal penalties on 36-month CDs are typically steeper than on shorter-term CDs, often equivalent to 6 to 12 months of interest. Review the specific penalty terms at your chosen institution before opening.
What is APY and why does it matter for a 3-year CD?
APY (Annual Percentage Yield) accounts for compounding and reflects the true annual return on your deposit. Over a 3-year term, even small APY differences compound into meaningful earnings differences.
Is a 36-month CD a good choice if interest rates might rise?
If you expect rates to rise significantly, a 3-year CD locks you in at today's rate. A CD ladder spreading deposits across multiple terms is a common hedge, letting you reinvest shorter-term CDs at higher rates if the market moves up.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 36-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 3-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: March 19, 2026
