New York

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CD Rates – 3-Year – New York City, New York

You are viewing local cd rates from banks around: New York, NY 10116

 

Below are three-year CD Rates from banks that are located within 20 miles of your location. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three-year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

New York City, NY - July 6, 2025

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

Rate History: 3.80% → 4.20% → 4.10% → 3.95%

| Oct 2, 2015

I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More

Rate History: 0.30% → 1.80% → 4.50% → 4.55% → 3.85%

Rate History: 4.58% → 4.47% → 4.16% → 3.96% → 3.80%

Rate History: 4.50% → 3.50% → 3.80%

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 1.00% → 4.00% → 3.50%

| Jun 15, 2017

Just a great group of people to interact with at the Mineola branch. Been working with them for years. Everybody at all of the branches has always been a pleasure. Read More

Rate History: 3.50% → 3.45%

Rate History: 4.05% → 4.15% → 3.75% → 3.65% → 3.45%

Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35%

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

Rate History: 3.75% → 4.15% → 3.85% → 3.75% → 3.35%

| Apr 25, 2022

We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More

Rate History: 4.00% → 4.10% → 4.00% → 3.25%

| Mar 25, 2020

I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More

Warning: Early withdrawal penalty equals two years of interest.
Rate History: 4.40% → 3.75% → 3.25%

| Mar 17, 2023

STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More

Rate History: 3.10% → 2.85% → 3.50% → 3.25%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 3.25% → 3.20% → 3.82% → 3.05% → 3.20%

Rate History: 2.00% → 4.25% → 3.10%

| Jun 26, 2022

ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. Read More

Rate History: 0.50% → 0.60% → 0.50% → 1.60% → 3.00%

| Jul 31, 2020

Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More

Rate History: 3.50% → 3.00%

| Feb 5, 2020

The employees of this bank are helpful but the bank's systems and procedures for obtaining your account information STINK. If you want a bank that provides you quarterly (or even annual) statements by mai... Read More

Rate History: 2.00% → 3.00%

| Feb 13, 2018

Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More

Rate History: 2.80% → 2.95%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 4.00% → 2.00% → 2.50% → 3.50% → 2.00%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.02% → 1.66%

Rate History: 0.10% → 1.50%

| Apr 4, 2016

I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More

0.90%

$10,000

5.50

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0.85%

$1,000

-

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0.80%

$10,000

17.45

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| Jul 11, 2020

A great bank. Rates are competitive and they have outstanding customer service. Read More

0.75%

$10,000

13.24

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0.75%

$10,000

3.60

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0.75%

$10,000

2.43

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| May 14, 2015

looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More

0.70%

$10,000

18.67

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0.70%

$100,000

5.23

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0.65%

$10,000

16.47

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0.65%

$1,000

2.25

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0.65%

$10,000

0.51

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0.60%

$100,000

23.14

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0.60%

$10,000

5.23

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0.55%

$10,000

23.14

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0.55%

$1,000

0.15

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Rate History: 0.65% → 0.50% → 4.25% → 0.50%

| Mar 26, 2021

Spencer Bank is by far, the ABSOLUTE WORST Banking institution there is. The Bank - and the Headquarters - display a host of shortcomings and clearly are the most substandard bank - dealing with numerou... Read More

0.45%

$10,000

12.30

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| May 10, 2021

NVE Bank can change the amount of my deposit later days. Without my permission they can change and do whatever they like. On 4/17/2021 I deposit $ 9000.00. Two days later he call me asked me a questio... Read More

0.35%

$10,000

9.16

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0.35%

$10,000

15.23

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| Mar 29, 2020

have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More

0.25%

$10,000

16.27

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| Mar 10, 2021

I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More

0.25%

$10,000

12.24

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| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

0.15%

$100,000

3.69

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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%

| May 19, 2018

Experience Read More

Rate History: 0.02% → 0.05%

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116


Branch Street City State
Popular Bank
Perth Amboy Branch
631 State Street Perth Amboy NJ
Freedom Bank
Freedom Bank Branch
99 West Essex Street Maywood NJ
State Bank of India
State Bank Of India Branch
460 Park Avenue New York NY
Spring Bank
Harlem Branch - Frederick Douglas Blvd
301 W. 111th Street New York NY
Capital One, National Association
Livingston Circle Branch
623 West Mount Pleasant Ave Livingston NJ
Flushing Bank
7102 3rd Avenue Branch
7102 3rd Avenue Brooklyn NY
First Central Savings Bank
First Central Savings Bank Branch
45-08 46th Street Sunnyside NY
Maspeth Federal Savings and Loan Association
101-09 Metropolitan Ave Branch
101-09 Metropolitan Ave New York City NY
Cross County Savings Bank
Kings Branch
731 Metropolitan Ave. Brooklyn NY
Bank of Hope
Bank Of Hope Branch
211 Broad Avenue Palisades Park NJ
Ridgewood Savings Bank
Bay Ridge Branch
8522 Third Avenue Brooklyn NY
Customers Bank
Osborn Branch
101 Theall Road Rye NY
Quontic Bank
Quontic Bank Branch
31-05 Broadway Astoria NY
Citizens
Yonkers Branch
2371 Central Park Avenue Yonkers NY
Amalgamated Bank
Lyndhurst Branch
734 Ridge Road Lyndhurst NJ
Cross River Bank
Cross River Bank Branch
885 Teaneck Road Teaneck NJ
Blue Foundry Bank
Montville Branch
448 Main Road Towaco NJ
Empire State Bank
Railroad Avenue Branch
1361 N. Railroad Avenue Staten Island NY
Apple Bank
Staten Island Branch
2655 Richmond Avenue, Suite 2005 Staten Island NY
Sunnyside Federal Savings and Loan Association of Irvington
Sunnyside Federal Savings And Loan A Branch
56 Main St Irvington NY
Hanover Community Bank
Hanover Community Bank Branch
2131 Jericho Turnpike Garden City Park NY
Habib American Bank
Iselin Branch
1585 Oak Tree Road Iselin NJ
Ponce Bank
Bergenline Ave. Branch
3821 Bergenline Ave Union City NJ
M.Y. Safra Bank
M.Y. Safra Bank, Fsb Branch
499 Park Avenue New York NY
Northfield Bank
Westfield Branch
828 South Avenue W Westfield NJ
New Millennium Bank
Fort Lee Branch
1620 Lemoine Avenue Fort Lee NJ
Citibank, National Association
Private Bank Branch - Short Hill
101 John F Kennedy Parkway, 4th Floor Short Hills NJ
JPMorgan Chase Bank, National Association
Oakes Field Center Branch (Frgn)
Russell Road And Thompson Nassau
PCB Bank
Fort Lee Office Branch
1550 Lemoine Avenue Fort Lee NJ
City National Bank
6th Avenue Branch
1140 6th Avenue New York NY
TrustCo Bank
Bronxville Branch
5-7 Park Place Bronxville NY
Metropolitan Commercial Bank
Boro Park Branch
5101 13th Ave Brooklyn NY
Ascendia Bank
Glen Rock Savings Bank Branch
25 W Northfield Rd Livingston NJ
Unity Bank
Edison Branch
1746 Oak Tree Road Edison NJ
Alma Bank
Clifton Branch
1133 Main Avenue Clifton NJ
Bogota Savings Bank
Classic Residence Branch
655 Pomander Walk Teaneck NJ
Dime Community Bank
52nd Street Manhattan Branch
12 East 52nd Street New York NY
Carver Federal Savings Bank
Atlantic Terminal Branch
4 Hanson Place Brooklyn NY
Provident Bank
Metuchen Branch
599 Middlesex Avenue Metuchen NJ
Haven Savings Bank
Summit Br Branch
385 Springfield Avenue Summit NJ
Industrial and Commercial Bank of China USA, National Association
Brooklyn Branch
5714 8th Avenue (At 57th Street) Brooklyn NY
PCSB Bank
Mount Vernon Br Branch
40 East First Street Mount Vernon NY
NorthEast Community Bank
West 23rd Branch
242 West 23rd Street New York City NY
Global Bank
Global Bank Branch
8 Catherine Street New York NY
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Industrial and Commercial Bank of China USA, National Association
Brooklyn Branch
5714 8th Avenue (At 57th Street) Brooklyn NY
Kearny Bank
Montville Branch
339 Main Road (Route 202) Montville NJ
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Abacus Federal Savings Bank
World Trade Center Branch
116 Nassau Street New York NY
Spencer Savings Bank, SLA
Garwood Branch
325 North Avenue Garwood NJ
Blue Foundry Bank
Montville Branch
448 Main Road Towaco NJ
Lusitania Savings Bank
Liberty Avenue Branch
1135 Liberty Avenue Hillside NJ
Cathay Bank
Brooklyn Branch
5402 Eighth Avenue Brooklyn NY
NVE Bank
Hillsdale Branch
159 Broadway Hillsdale NJ
Hana Bank USA, National Association
Keb Hana Bank Usa, National Association Branch
136 Broad Avenue Palisades Park NJ
Webster Bank, National Association
Yonkers Branch
760 Mclean Ave Yonkers NY
Metro City Bank
Bayside Branch
212-45 Northern Boulevard Bayside NY
Bank of Hope
Bank Of Hope Branch
211 Broad Avenue Palisades Park NJ
Crown Bank
Cranford Branch
2 North Union Avenue Cranford NJ
Shinhan Bank America
Palisades Park Branch
101 Broad Avenue Palisades Park NJ
The Berkshire Bank
Teaneck Branch
517 Cedar Lane Teaneck NJ
East West Bank
Brooklyn 8th Avenue Branch
5801 8th Avenue Brooklyn NY
Alpine Capital Bank
Alpine Capital Bank Branch
680 Fifth Avenue, 7th Floor New York NY
TD Bank, National Association
Montville Nj Branch
159 Changebridge Road Montville NJ
BankUnited, National Association
Borough Park Brooklyn Branch
1333 60th Street Brooklyn NY
KeyBank National Association
North Middletown Road Branch
93 North Middletown Road Pearl River NY
PNC Bank, National Association
North Edison Branch
1085 Inman Avenue Edison NJ
Bank of America, National Association
North Point Branch (Frgn)
179 Kings Road North Point


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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