Current 36-Month CD Rates Across the United States
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Compare the Best 36-Month CD RatesCurrent 36-month CD rates in the Nation include Community First Credit Union Of Florida 4.18% APY; Members First Credit Union 4.15% APY and Advantage Plus Of Indiana Federal Credit Union 4.06% APY. A 36-month CD (or 3-year CD) is an excellent long-term savings vehicle. It allows you to lock in a guaranteed rate for three years, shielding your savings from potential rate drops while providing a predictable and secure return on your investment. The following rates reflect recent market quotes and representative 36-month offers available to U.S. depositors. CD rates change all the time and may vary by financial institution and market conditions.
STATE:
MIN DEPOSIT:
Institution
Product
APY
Min Deposit
Community First Credit Union Of Florida
Yulee, FL
Adjustable 36 Month Term Super Jumbo Max
4.18%
$1,000,000
▼
Rate 4.10%
Min Deposit $1,000,000
Updated
March 1, 2026
Details
Members First Credit Union
Tremonton, UT
3 Year CD
4.15%
$50
▼
Rate
Min Deposit $50
Updated
March 2, 2026
Details
Dividend Pays Quarterly
Advantage Plus Of Indiana Federal Credit Union
Terre Haute, IN
36 Month Traditional Certificate
4.06%
$0
▼
Rate 4.00%
Min Deposit $0
Updated
March 2, 2026
Details
Jordan Federal Credit Union
West Jordan, UT
Certificate Account 36 Month
4.05%
$500
▼
Rate 3.98%
Min Deposit $500
Updated
March 2, 2026
Details
Minimum $500
Mid-America Bank
Wellsville, KS
36 Month CD or IRA Jumbo
4.04%
$0
▼
Rate 4.00%
Min Deposit $0
Updated
March 4, 2026
Details
Founders Federal Credit Union
York, SC
36 Month Fixed Rate IRA Certificate
4.01%
$500
▼
Rate 3.95%
Min Deposit $500
Updated
March 4, 2026
Details
Cyprus Federal Credit Union
West Valley City, UT
36 month Certificate (CD)
4.00%
$0
▼
Rate 3.93%
Min Deposit $0
Updated
February 28, 2026
Details
1st Community Credit Union
West Salem, WI
36-MONTH TEEN CERTIFICATE SPECIAL5 12 Months
3.98%
$0
▼
Rate 3.90%
Min Deposit $0
Updated
March 2, 2026
Details
Cooperative Choice Network Credit Union
Springfield, IL
36 Month Renewal Shares
3.97%
$0
▼
Rate 3.90%
Min Deposit $0
Updated
March 3, 2026
Details
All Certificates/IRA Accounts are subject to a penalty for early withdrawal. Dividends on all Certificates/IRA Accounts are paid monthly.
Union Pacific Streamliner Federal Credit Union
Omaha, NE
36-Month Share Certificate
3.95%
$0
▼
Rate 3.88%
Min Deposit $0
Updated
March 2, 2026
Details
Special
First National Bank of Michigan
Portage, MI
3-Year Rising Rate Certificate of Deposit Year 3 term
3.92%
$0
▼
Rate 3.85%
Min Deposit $0
Updated
March 2, 2026
Details
1st Street Credit Union
Sarasota, FL
36 MONTH CERTIFICATE
3.91%
$0
▼
Rate
Min Deposit $0
Updated
March 2, 2026
Details
ElecTel Cooperative Federal Credit Union
WAKE FOREST, NC
IRA Share Certificate (36 Month)
3.90%
$500
▼
Rate 3.83%
Min Deposit $500
Updated
March 2, 2026
Details
Gardiner Federal Credit Union
Gardiner, ME
Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month
3.87%
$0
▼
Rate 3.80%
Min Deposit $0
Updated
March 2, 2026
Details
Cy-Fair Federal Credit Union
Prairie View, TX
36 Month Share Certificate
3.85%
$500,000
▼
Rate 3.79%
Min Deposit $500,000
Updated
February 28, 2026
Details
$500,000.01 or greater
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. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here. Methodology & Data SourcesRate Data Aggregation: We gather 36-month CD rates from banks and credit unions nationwide using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent 3-year yields available to our visitors. National Coverage: The rates displayed on this page represent offers from institutions across the United States. We feature both large national banks and smaller regional credit unions to help you find the highest yield for your deposit. Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.
36-Month CD FAQsWhat is a 36-Month Certificate of Deposit (CD)?A 36-month (or 3-year) CD is a savings account that holds a fixed amount of money for exactly three years. It typically offers a higher fixed interest rate than shorter-term CDs in exchange for a longer commitment.
Are 36-month CD rates higher than 1-year CD rates?Generally, yes. Banks and credit unions usually offer higher Annual Percentage Yields (APYs) for 36-month CDs to reward you for keeping your money on deposit for a longer period.
Is my money safe in a 36-month CD?Yes. 36-month CDs purchased from FDIC-insured banks or NCUA-insured credit unions are federally protected up to $250,000 per depositor.
What happens if I withdraw money from my 36-month CD early?Withdrawing funds before the 3-year maturity date typically incurs an early withdrawal penalty. For a 36-month term, this penalty often ranges from 6 to 12 months of earned interest, depending on the institution.
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