A comparison by CNBC Select of certificates of deposit from more than 40 banks, credit unions and online institutions reveals that the best 3-year CD rates in August 2026 reach up to 4.50% APY, with Popular Direct leading the market. Rates generally range from 4.00% to 4.50% APY for these mid-term investments. Online banks and credit unions offer the highest yields. Minimum deposit requirements vary significantly across institutions, ranging from $500 to $25,000. Early withdrawal penalties range from 3 to 12 months of simple interest depending on the institution.
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