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Best 36-Month CD Rates - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
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.
| ✓Fact Checked | 36-Month CD Rates Last Updated: April 5, 2026

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 Youth Certificates 3 Year CD at 4.15% APY, and United Fidelity BankUnited Fidelity Bank126 N Grand Ave, Cowden, IL 62422A+5.0 ★Texas Ratio: 0.81% offering 36-Month CD Term at 4.10% APY, and Alliance Community BankAlliance Community Bank321 N 6th St, Petersburg, IL 62675A+5.0 ★Texas Ratio: 2.71% offering 36-Month Certificates of Deposit (CDs) at 4.07% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

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: April 5, 2026

Compare the Best 36-Month CD Rates Nationwide

State: Min Deposit:
Source: Verified CD Rate Data provided by MonitorBankRates
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%
View
▼
Rate4.10%
Min Deposit$1,000,000
UpdatedMar 25, 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
Youth Certificates 3 Year CD
$0
4.15%
View
▼
Rate—
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
126 N Grand Ave, Cowden, IL 62422
36-Month CD Term
$1,000
4.10%
View
▼
Rate—
Min Deposit$1,000
UpdatedApr 4, 2026
Details

No additional details available.

Alliance Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
321 N 6th St, Petersburg, IL 62675
36-Month Certificates of Deposit (CDs)
$0
4.07%
View
▼
Rate4.00%
Min Deposit$0
UpdatedApr 4, 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
Certificate Account 36 Month
$500
4.05%
View
▼
Rate3.98%
Min Deposit$500
UpdatedApr 2, 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%
View
▼
Rate4.00%
Min Deposit$500
UpdatedApr 3, 2026
Details

Jumbo

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
36 Month Fixed Rate IRA Certificates
$500
4.01%
View
▼
Rate3.95%
Min Deposit$500
UpdatedApr 5, 2026
Details

No additional details available.

Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
3 year CD
$500
4.00%
View
▼
Rate3.92%
Min Deposit$500
UpdatedMar 27, 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%
View
▼
Rate3.90%
Min Deposit$250,001
UpdatedApr 5, 2026
Details

No additional details available.

On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Jumbo & Jumbo IRA Share Certificate 36 Month
$100,000
3.95%
View
▼
Rate3.88%
Min Deposit$100,000
UpdatedMar 28, 2026
Details

No additional details available.

Harris Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
315 W 12th Ave, Cordele, GA 31015 2333
3 YEAR CERTIFICATE
$0
3.92%
View
▼
Rate—
Min Deposit$0
UpdatedApr 2, 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%
View
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Regular CD 36-month
$500
3.90%
View
▼
Rate—
Min Deposit$500
UpdatedMar 28, 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
3 Year Term Share Certificates
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
UpdatedMar 27, 2026
Details

No additional details available.

Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
520 Eagleview Blvd, Exton, PA 19341
36 Month Certificate
$0
3.85%
View
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details

Citadel Standard Certificate Rates

FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
36 Month CD
$1,000
3.84%
View
▼
Rate3.80%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
36-Month IRA Share Certificate
$0
3.82%
View
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4700 Wissahickon Ave, Philadelphia, PA 19144 4248
36 Month Certificate
$0
3.81%
View
▼
Rate—
Min Deposit$0
UpdatedApr 5, 2026
Details

No additional details available.

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA PROMOTIONAL
$500
3.80%
View
▼
Rate3.73%
Min Deposit$500
UpdatedMar 28, 2026
Details

$500 minimum deposit required

FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 36 Month
$0
3.79%
View
▼
Rate3.75%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Home Bank of California
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4493 Ruffin Rd, San Diego, CA 92123
36 MONTH JUMBO CD
$10,000
3.78%
View
▼
Rate—
Min Deposit$10,000
UpdatedApr 4, 2026
Details

$10,000.00 minimum NEW MONEY investment in Certificate of Deposit to receive stated rate. Additional Certificate of Deposit rates and terms are available. Rates are subject to change. Fees may reduce earnings. Penalty for early withdrawal.

Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
3131 Mishicot Rd, Two Rivers, WI 54241
Bump-Up Flex Certificate 36 month
$0
3.77%
View
▼
Rate3.70%
Min Deposit$0
UpdatedMar 24, 2026
Details

Bump-Up Flex SC*; $5,000 new money. Deposit anytime.

Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificates 36 Month
$500
3.76%
View
▼
Rate3.70%
Min Deposit$500
UpdatedMar 28, 2026
Details

Minimum deposit of $500 required.

Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 36 Month
$1,000
3.75%
View
▼
Rate3.69%
Min Deposit$1,000
UpdatedApr 4, 2026
Details

No additional details available.

Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
IRA 36 MONTH
$100
3.73%
View
▼
Rate3.70%
Min Deposit$100
UpdatedApr 2, 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%
View
▼
Rate3.65%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
36 Month Certificate
$250
3.70%
View
▼
Rate3.64%
Min Deposit$250
UpdatedMar 25, 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%
View
▼
Rate3.62%
Min Deposit$0
UpdatedApr 3, 2026
Details

Entire Balance

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
3.67%
View
▼
Rate3.60%
Min Deposit$1,000
UpdatedApr 5, 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 Share CD
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
UpdatedMar 26, 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
3.65%
View
▼
Rate3.60%
Min Deposit$0
UpdatedApr 4, 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%
View
▼
Rate3.58%
Min Deposit$40,000
UpdatedApr 4, 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%
View
▼
Rate3.57%
Min Deposit$0
UpdatedApr 5, 2026
Details

No additional details available.

State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
300 Congress Dr Hwy 33, Newburg, WI 53060
36 mo Certificate of Deposit
$500
3.61%
View
▼
Rate3.55%
Min Deposit$500
UpdatedMar 28, 2026
Details

Opening Balance $10,000 or above

Hancock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.23%
125 Trenton Ave, Findlay, OH 45840 3741
36 Month Share Certificate
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
UpdatedMar 27, 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%
View
▼
Rate3.54%
Min Deposit$500
UpdatedApr 3, 2026
Details

Penalty for early withdrawal may apply.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

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%
View
▼
Rate3.52%
Min Deposit$1,000
UpdatedApr 2, 2026
Details

No additional details available.

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
900 Hermitage Rd, Richmond, VA 23220 2001
Saving Certificates 3 YEAR Cd's
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
UpdatedApr 2, 2026
Details

Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
UpdatedApr 5, 2026
Details

Minimum to open & earn dividends: $100,000

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
36 Month Certificate
$500
3.54%
View
▼
Rate3.50%
Min Deposit$500
UpdatedMar 28, 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%
View
▼
Rate3.50%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 36 month
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC 27103 4625
36 Month JUMBO Certificates of Deposit
$30,000
3.50%
View
▼
Rate—
Min Deposit$30,000
UpdatedMar 26, 2026
Details

No additional details available.

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
36 Month Certificates
$50,000
3.49%
View
▼
Rate3.44%
Min Deposit$50,000
UpdatedApr 2, 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%
View
▼
Rate3.44%
Min Deposit$0
UpdatedMar 28, 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%
View
▼
Rate3.40%
Min Deposit$5,000
UpdatedApr 3, 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%
View
▼
Rate3.40%
Min Deposit$0
UpdatedApr 4, 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%
View
▼
Rate—
Min Deposit$0
UpdatedMar 24, 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
$100,000
3.42%
View
▼
Rate3.40%
Min Deposit$100,000
UpdatedApr 4, 2026
Details

No additional details available.

EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
36 month CD
$1,000
3.41%
View
▼
Rate—
Min Deposit$1,000
UpdatedMar 26, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
Certificates of Deposit 36-Month
$500
3.40%
View
▼
Rate3.30%
Min Deposit$500
UpdatedApr 4, 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%
View
▼
Rate3.32%
Min Deposit$500
UpdatedApr 2, 2026
Details

$500-$24,999.99

Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Certificates and IRA Certificates - 36 month
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
UpdatedMar 25, 2026
Details

$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.

TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
36 Month CD
$500
3.34%
View
▼
Rate3.30%
Min Deposit$500
UpdatedMar 28, 2026
Details

$500 Minimum

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%
View
▼
Rate3.30%
Min Deposit$100,000
UpdatedApr 4, 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%
View
▼
Rate3.26%
Min Deposit$5,000
UpdatedMar 29, 2026
Details

No additional details available.

United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
Jumbo Certificates 3 year
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
UpdatedMar 29, 2026
Details

No additional details available.

PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
5255 Regency Dr, Parma, OH 44129 5453
IRA 3 Year
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
500 S A St, Richmond, IN 47374
3 Year IRA
$100
3.28%
View
▼
Rate3.25%
Min Deposit$100
UpdatedApr 3, 2026
Details

No additional details available.

The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 36 Month
$0
3.26%
View
▼
Rate3.22%
Min Deposit$0
UpdatedApr 4, 2026
Details

$10,000+

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
3 Year (36 Month) CD
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
UpdatedApr 2, 2026
Details

Daily Balance of $500 - $99,999; Payment Frequency: Annually

Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
36 Month CD
$99,000
3.24%
View
▼
Rate3.20%
Min Deposit$99,000
UpdatedApr 2, 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%
View
▼
Rate3.20%
Min Deposit$1,000
UpdatedApr 2, 2026
Details

No additional details available.

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
CDARS� CDs 3 year
$0
3.22%
View
▼
Rate—
Min Deposit$0
UpdatedMar 26, 2026
Details

Funding Limit: $0.5M

Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
3 Year Share Certificates
$0
3.20%
View
▼
Rate—
Min Deposit$0
UpdatedMar 27, 2026
Details

No additional details available.

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%
View
▼
Rate3.15%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
36 Month CD
$1,000
3.18%
View
▼
Rate3.10%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
36 Month Certificate
$0
3.17%
View
▼
Rate3.15%
Min Deposit$0
UpdatedApr 3, 2026
Details

$500 Minimum Balance to obtain APY*

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%
View
▼
Rate3.16%
Min Deposit$100
UpdatedApr 3, 2026
Details

No additional details available.

Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
221 Main St, Black River Falls, WI 54615
3 Year YOUR. CD.
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
UpdatedApr 3, 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 Monthly
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
UpdatedMar 25, 2026
Details

No additional details available.

Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
36 Month Certificates of Deposit
$25,000
3.12%
View
▼
Rate3.10%
Min Deposit$25,000
UpdatedMar 28, 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%
View
▼
Rate3.10%
Min Deposit$0
UpdatedMar 24, 2026
Details

Starting at $10,000+

NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
Share Certificates 36-Month
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
UpdatedMar 28, 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%
View
▼
Rate3.05%
Min Deposit$0
UpdatedMar 24, 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%
View
▼
Rate3.05%
Min Deposit$0
UpdatedMar 25, 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
3.07%
View
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details

Bonus Rate

Heritage Bank of St Tammany
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
205 N Columbia St, Covington, LA 70433
IRA'S (Traditional and Roth) 3 year
$100
3.05%
View
▼
Rate3.00%
Min Deposit$100
UpdatedMar 27, 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%
View
▼
Rate3.00%
Min Deposit$0
UpdatedMar 25, 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%
View
▼
Rate3.00%
Min Deposit$0
UpdatedApr 5, 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%
View
▼
Rate3.00%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
326 E Lake St, Horicon, WI 53032
3 Year IRA
$0
3.01%
View
▼
Rate3.00%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
3 Year Certificates of Deposit
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
UpdatedApr 3, 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
36 Month Share Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
400 N Main St, Loyal, WI 54446
36 Mo. CD
$100,000
2.95%
View
▼
Rate2.91%
Min Deposit$100,000
UpdatedApr 3, 2026
Details

No additional details available.

Embold Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
Traditional IRA & Roth IRA 36 Month Certificate
$0
2.94%
View
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details

Member Perks APY

Sacramento Deposit Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
335 Main St, Sacramento, KY 42372
36 Month CD
$0
2.93%
View
▼
Rate2.90%
Min Deposit$0
UpdatedApr 4, 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%
View
▼
Rate2.90%
Min Deposit$0
UpdatedApr 3, 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%
View
▼
Rate2.87%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
10 Monument Sq, Urbana, OH 43078
36 Month IRA Certificate
$500
2.90%
View
▼
Rate2.86%
Min Deposit$500
UpdatedApr 3, 2026
Details

No additional details available.

Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
36 Month Certificate
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL 35801 3819
36-Month IRA CD
$0
2.88%
View
▼
Rate2.85%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2315 Prairie Ave, Beloit, WI 53511 2623
36 month Share Certificate (CD)
$0
2.85%
View
▼
Rate2.88%
Min Deposit$0
UpdatedMar 24, 2026
Details

No additional details available.

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
822 W Main St, Sterling, CO 80751
IRA Certificates / CDs 36 month
$1,000
2.84%
View
▼
Rate—
Min Deposit$1,000
UpdatedApr 4, 2026
Details

No additional details available.

Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
7250 Campus Dr, Colorado Springs, CO 80920 6517
36 Month Flex Certificate
$0
2.83%
View
▼
Rate2.79%
Min Deposit$0
UpdatedMar 26, 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%
View
▼
Rate2.80%
Min Deposit$25,000
UpdatedApr 3, 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%
View
▼
Rate2.77%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
36-month Tier Mini Jumbo Certificate of Deposit
$0
2.80%
View
▼
Rate2.77%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1925 Murdoch Ave, Parkersburg, WV 26101 2528
36 Month Certificate
$500
2.79%
View
▼
Rate2.75%
Min Deposit$500
UpdatedApr 5, 2026
Details

CD = With $100 in your share account.

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%
View
▼
Rate2.75%
Min Deposit$0
UpdatedMar 28, 2026
Details

No additional details available.

Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
36 Month CD
$0
2.77%
View
▼
Rate2.75%
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
36 Month Share Certificate Accounts
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
UpdatedApr 4, 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
$0
2.74%
View
▼
Rate2.71%
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
36 month CD
$500
2.73%
View
▼
Rate2.70%
Min Deposit$500
UpdatedApr 3, 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%
View
▼
Rate2.66%
Min Deposit$500
UpdatedMar 25, 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%
View
▼
Rate2.65%
Min Deposit$250
UpdatedApr 4, 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
IRA Certificate 36 Month
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
UpdatedApr 4, 2026
Details

No additional details available.

New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 36 month
$0
2.65%
View
▼
Rate2.65%
Min Deposit$0
UpdatedApr 3, 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%
View
▼
Rate2.62%
Min Deposit$2,500
UpdatedApr 4, 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%
View
▼
Rate2.60%
Min Deposit$500
UpdatedMar 28, 2026
Details

No additional details available.

Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 N Main St, Haviland, KS 67059
3 Year Certificate of Deposit
$500
2.62%
View
▼
Rate2.60%
Min Deposit$500
UpdatedMar 27, 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%
View
▼
Rate2.54%
Min Deposit$500
UpdatedApr 3, 2026
Details

No additional details available.

Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
56 Common St, Barre, MA 01005
36-Month CD/IRA Plus Spending
$0
2.58%
View
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details

No additional details available.

Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
36 Month CD Individual Retirement Account
$0
2.55%
View
▼
Rate—
Min Deposit$0
UpdatedApr 3, 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%
View
▼
Rate2.51%
Min Deposit$100,000
UpdatedMar 24, 2026
Details

No additional details available.

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
36-Month Certificates and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
UpdatedApr 2, 2026
Details

No additional details available.

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%
View
▼
Rate2.50%
Min Deposit$500
UpdatedMar 24, 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%
View
▼
Rate2.50%
Min Deposit$0
UpdatedApr 4, 2026
Details

No additional details available.

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
36 Month CD
$0
2.50%
View
▼
Rate—
Min Deposit$0
UpdatedMar 25, 2026
Details

No additional details available.

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
36 Month Standard Certificates of Deposit
$1,000
2.49%
View
▼
Rate2.47%
Min Deposit$1,000
UpdatedApr 3, 2026
Details

No additional details available.

OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
1889 F St NW, Washington, DC 20006
IRA Share Certificate (36 Month)
$0
2.48%
View
▼
Rate2.45%
Min Deposit$0
UpdatedApr 5, 2026
Details

No additional details available.

The Bank of Steinauer
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 Main St, Steinauer, NE 68441
36 Month Certificate of Deposit
$500
2.47%
View
▼
Rate2.45%
Min Deposit$500
UpdatedApr 2, 2026
Details

No additional details available.

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.

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.

View Full CD Rate Trends →
36-Month CD — National Avg
2.802%
▲ 0.227 vs 7 days ago

National 36-month CD rates rose 0.227 points over the past 7 days to 2.802% APY, up from 2.575% 7 days ago.

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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: April 5, 2026

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