Find the best CD rates here. Searching for higher interest rates than your savings account or money market account? Look into investing in a certificate of deposit (CD). CD rates can vary quite a bit, but we make finding the highest CD rates easy! Planning for retirement? Look into IRA CDs. Compare RateBrain's results for the best CD rates to the national average CD rates.






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Credit Union CD Rates




Best 3 Year CD Rates


 Available Nationwide, Government Insured - December 10, 2024, 10:29 am PT

Bank Type APY Actions Last
Checked
Valley Direct 5.60% -

(steady @ 5.60%)
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Dec 19
(23 days ago)

Popular Direct 4.55%

(down from 4.75%)
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Apr 5
(6 days ago)

Newtek Bank 4.50%

(up from 2.00%)
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Jan 21
(20 days ago)

Goldwater Bank 4.50%

(up from 4.25%)
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Dec 21
(21 days ago)

BMO Alto 4.50%

(down from 5.10%)
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Apr 26
(16 days ago)

Bread Financial 4.40%

(down from 4.75%)
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Dec 25
(17 days ago)




`
Bank Type APY Actions Last
Checked
Marcus (Goldman Sachs Bank) 4.40%

(up from 4.30%)
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Dec 25
(17 days ago)

Colorado Federal Savings Bank 4.40%

(down from 4.45%)
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Apr 23
(19 days ago)

Quontic Bank 4.40%

(up from 4.30%)
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Dec 29
(13 days ago)

PenFed Credit Union 4.30%

(up from 4.10%)
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Jan 21
(20 days ago)

TAB Bank 4.25%

(down from 5.27%)
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May 18
(25 days ago)

Self Help Credit Union 4.08%

(down from 4.65%)
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Jul 19
(24 days ago)




`
Bank Type APY Actions Last
Checked
Sallie Mae 4.00%

(down from 4.40%)
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Jan 22
(19 days ago)

Apple Federal Credit Union 4.00%

(down from 4.30%)
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Jul 19
(24 days ago)

Riverland Credit Union 4.00%

(up from 3.80%)
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Jul 19
(24 days ago)

Quaint Oak Bank 4.00%

(down from 4.25%)
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Jul 19
(24 days ago)

Capital One 360 4.00%

(down from 4.10%)
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Jul 19
(24 days ago)

BAC Florida 3.98%

(down from 4.18%)
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Apr 6
(5 days ago)




`
Bank Type APY Actions Last
Checked
Ameriprise Bank 3.80%

(down from 4.80%)
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Feb 24
(17 days ago)

Virtual Bank 3.77%

(up from 1.05%)
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Jan 28
(13 days ago)

Gulf Coast Bank 3.75%

(down from 4.15%)
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Oct 30
(11 days ago)

Synchrony Bank 3.75%

(down from 3.90%)
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Dec 4
(6 days ago)

CFG Bank 3.65%

(down from 4.55%)
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Oct 2
(10 days ago)

Androscoggin Bank 3.56%

(up from 2.78%)
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Mar 18
(24 days ago)

Total Direct Bank 3.56% -

(steady @ 3.56%)
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Dec 21
(21 days ago)



`
Bank Type APY Actions Last
Checked
Vio Bank 3.50%

(up from 0.45%)
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Jan 28
(13 days ago)

Able Banking 3.50%

(up from 0.15%)
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Jan 28
(13 days ago)

Discover Bank 3.50%

(down from 3.75%)
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Dec 2
(8 days ago)

Barclays Bank 3.50%

(down from 4.30%)
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Feb 24
(17 days ago)

EverBank 3.50%

(up from 3.45%)
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Dec 5
(5 days ago)

Merchants Bank of Indiana 3.48%

(down from 3.98%)
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Oct 7
(5 days ago)

Ally Bank 3.40%

(down from 3.50%)
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Dec 2
(8 days ago)

Citizens Access 3.35%

(up from 3.15%)
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Dec 18
(24 days ago)

Nat'l Bank of Kansas City 3.25%

(up from 3.04%)
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Dec 21
(21 days ago)

Ivy Bank 3.25% -

(steady @ 3.25%)
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Dec 30
(12 days ago)

Abound Credit Union 3.25%

(down from 3.50%)
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Apr 23
(19 days ago)

CD Bank 3.05%

(up from 2.71%)
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Apr 5
(6 days ago)

Academy Bank 3.03%

(up from 2.52%)
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Mar 18
(24 days ago)

American Express 3.00%

(up from 1.15%)
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Apr 6
(5 days ago)

TFCU (formerly Melrose Credit Union) 3.00%

(down from 3.25%)
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Dec 4
(6 days ago)

USAA 2.75%

(down from 4.00%)
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Apr 14
(28 days ago)

Mountain One Bank 1.75%

(up from 1.35%)
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Mar 5
(7 days ago)

First Command Bank 1.10%

(up from 1.05%)
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May 24
(19 days ago)

First National Community Bank 0.60%

(up from 0.50%)
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May 8
(4 days ago)

Banesco 0.55%

(up from 0.40%)
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Apr 5
(6 days ago)

CIT Bank 0.40%

(down from 0.55%)
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Mar 13
(29 days ago)

MidFirst Direct 0.30%

(down from 1.00%)
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Apr 15
(27 days ago)

Bank of America 0.03%

(down from 0.08%)
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Dec 21
(21 days ago)



Please Note: We are not a bank or credit union and are not affiliated with any. This information is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.

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