If you’re looking for the Best 36-Month CD Rates to invest your funds in, you’re in the right spot. Below is our guide to help you find the Best 36-Month CD Rates. Certificate of deposits, otherwise known as CDs, will offer you one of the best & secure way to get a return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Looking for a more full, extensive list of available CD rates? see our post on the Best CD Rates.
Interested in certain terms only? See below for our list of the best CD rates in the following terms:
- Best 6- to 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | CIT Bank 18-Month CD Account | $1,000 | 2.50% | |
| CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | BBVA Compass Bank 36-Month CD Account | $500 | 2.35% |
Best 36-Month CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Navy Federal Credit Union | 3.75% | $50 | --- | 40-Month IRA | Review |
| Veridian Credit Union | 3.45% | $100K | --- | 41-Month Jumbo CD | Review |
| Mountain America Credit Union | 3.35% | $500 | 100K | 36-Month CD | Review |
| State Bank of India | 3.34% | $500K | --- | 36-Month CD | Review |
| Veridian Credit Union | 3.25% | $1K | --- | 41-Month Bump Up CD | Review |
| M.Y. Safra Bank | 3.10% | $5K | --- | 36-Month CD | Review |
| Agriculture Federal Credit Union | 3.05% | $1K | --- | 36-Month CD | Review |
| Citizens Access | 3.05% | $5K | --- | 36-Month CD | Review |
| Popular Direct | 3.05% | $10K | --- | 36-Month CD | Review |
| First Internet Bank | 3.03% | $1K | --- | 36-Month CD | Review |
| VirtualBank | 3.01% | $10K | --- | 36-Month CD | Review |
| USALLIANCE Financial | 3.00% | $500 | --- | 36-Month CD | Review |
| Live Oak Bank | 3.00% | $2.5K | $250K | 36-Month CD | Review |
| Connexus Credit Union | 3.00% | $5K | --- | 36-Month CD | Review |
| SalemFive Direct | 3.00% | $10K | $500K | 36-Month CD | Review |
Best 36-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Gulf Coast Federal Credit Union | TX | 3.65% | $500 | --- | 36-Month CD | Review |
| Columbia Credit Union | WA, OR | 3.60% | $100K | --- | 30-Month CD | Review |
| Money One Federal Credit Union | MD, VA | 3.60% | $25 | $250K | 36-Month CD | Review |
| Credit Union One of Oklahoma | OK | 3.56% | $2.5K | --- | 35-Month CD | Review |
| TDECU | TX | 3.56% | $1K | --- | 36-Month CD | Review |
| Northeast Credit Union | NH, ME | 3.50% | $500 | --- | 35-Month CD | Review |
| Solvay Bank | NY | 3.50% | $500 | --- | 36-Month CD | Review |
| Unitus Community Credit Union | OR, WA | 3.50% | $500 | --- | 36-Month CD | Review |
| Frontwave Credit Union | CA | 3.50% | $1K | --- | 36-Month CD | Review |
| Sharon Bank | PA | 3.50% | $5K | --- | 39-Month CD | Review |
| Centris Federal Credit Union | IA, NE | 3.41% | $90K | --- | 40-Month CD | Review |
| Jefferson Financial Credit Union | IA | 3.40% | $10K | --- | 36-Month CD | Review |
| Neighbors Federal Credit Union | LA | 3.37% | $1.5K | --- | 36-Month CD | Review |
| Franklin Mint Federal Credit Union | DE, PA | 3.36% | $500 | --- | 36-Month CD | Review |
| Tinker Federal Credit Union | OK | 3.35% | $1K | --- | 33-Month CD | Review |
| Atlantic Federal Credit Union | NJ | 3.35% | $500 | --- | 37-Month CD | Review |
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