Best 36-Month CD Rates - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top 36-month CD rates currently available include PAHO WHO Federal Credit UnionPAHO WHO Federal Credit Union2112 F St NW, Washington, DC 20037A+5.0 ★Texas Ratio: 4.82%Real return: +1.79%APY minus CPI (February 2026) offering IRA Certificate 36 Months at 4.59% APY, and State Bank of NewburgState Bank of Newburg300 Congress Dr Hwy 33, Newburg, WI 53060A+5.0 ★Texas Ratio: 0.29%Real return: +1.59%APY minus CPI (February 2026) offering 36 mo Certificate of Deposit at 4.39% APY, and Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.67%Real return: +1.55%APY minus CPI (February 2026) offering 36 Months at 4.35% APY, and Blue Eagle Credit UnionBlue Eagle Credit Union419 Rutherford Ave NE, Roanoke, VA 24022A+5.0 ★Texas Ratio: 0.28%Real return: +1.45%APY minus CPI (February 2026) offering Regular Certificate 3 Year Term at 4.25% APY. CD rates as of July 6, 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: July 6, 2026
Compare the Best 36-Month CD Rates Nationwide
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Opening Balance: $10,000 or above; Interest Will Be Credited: Monthly
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Variable Rate
Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.81%; Non-Rewards+ Loyalty Program APY1: 2.85%
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Minimum balance to earn APY: $100,000, $40,000, $100
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
See details. Not available for purchase effective June 7, 2022.
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Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Loyalty Rate: 3.92%, Loyalty APY: 4.00%
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Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
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Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
$500 minimum deposit required
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Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
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Special
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Valid Thru: 06/28/2026
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Fixed Rate
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Penalty for early withdrawal: 9 Months Dividends
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Platinum
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Treasury Rates**: 4.17%
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The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.
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Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
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Interest Paid: Quarterly; Auto Renew: Yes
2 Options
Jumbo Rate: 4.00% APY: 4.04%
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Special CD rate. Limited time offer.
Compounded/Credited: Qrtly/Qrtly
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
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Early Withdrawal Penalty: 365 Days Interest
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new money
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Early Withdrawal Penalty: 180 days interest
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High-Yield Rewards Checking Account required
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Compounding Frequency: Monthly
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Special Rate (APY): 4.00%
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Compounding Frequency: Quarterly; Early Withdrawal Penalty: 182 days of Interest
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The dividend rate and annual percentage yield (APY) is fixed for the duration of the certificate, but may change at its maturity. You will incur a penalty for early withdrawal of a certificate. The annual percentage yields quoted are based on reinvesting of dividends until maturity. Withdrawals of interest prior to maturity will reduce the annual percentage yield. Fee imposed will also reduce the APY earned.
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APY assumes dividends compounded monthly to the certificate. Fees could reduce the earnings on the account. A penalty will be imposed for early withdrawal. All rates may change after account is opened.
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Early Withdrawal Penalty: 90 Days Dividends
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Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
IRA Traditional / ROTH / Coverdell ESA
$100
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Opening Balance $100,000.00+
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At Maturity
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** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
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APY1
Compounded Monthly
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Bump Option: Eligible
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Certificate rates remain fixed for the term of the certificate.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tracked Nationwide
About Our 36-month CD Rate Database
MonitorBankRates tracks 2,774 36-month CD rates from 1,601 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: PAHO WHO Federal Credit Union offers a 36-month CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers.
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.
National 36-month CD rates rose 0.005 points over the past 7 days to 2.640% APY, up from 2.636% 7 days ago.
36-month CD Rate Forecast — Next 12 Months
Where are 36-month CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CD Calculators
Enter any deposit amount to see exactly how much interest you earn at the end of your 36-month term at today’s top APY.
CD Ladder with 36 months RungUse a 3-year CD as a higher-yield anchor in your ladder. Model how combining it with 12 and 24-month terms creates a steady stream of maturing funds while maximizing long-term yield.
Early Withdrawal Penalty36-month CDs typically carry a 180–365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
36-month CD vs. High-Yield Savings3-year CD rates typically offer a meaningful premium over savings accounts. Compare both to see if the 3-year lock-up is justified by the higher fixed APY.
How to Find the Best 36-month CD Rates
What to compare when shopping for a 36-month CD
To find the best APYs on a 36-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 36-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 36-month CD Makes Sense
- You have a planned purchase or expense in ~36 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You want a higher rate than 1 or 2-year CDs offer and can commit savings for a full 3-year term
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
36-month CD vs. Other Savings Options
| Feature | 36-month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 36 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
36-Month CD FAQs
What is a 36-Month (3-Year) Certificate of Deposit?
How do 3-year CD rates compare to shorter-term CDs?
Is my money safe in a 36-month CD?
What happens if I withdraw money from a 3-year CD early?
What is APY and why does it matter for a 3-year CD?
Is a 36-month CD a good choice if interest rates might rise?
How can I use a 36-month CD in a CD ladder?
Is a 36-month CD better than a 24-month CD?
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.
