Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing local cd rates from banks around: Washington, WA 98109
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.
Seattle, WA - December 10, 2024
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.90% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest.
|
||||
|
Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
||||
|
3.85% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 4.00% → 3.90% → 3.85% |
||||
|
george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
||||
|
3.75% |
$100 |
- |
Learn More
|
|
|
Rate History: 4.40% → 4.00% → 3.75% |
||||
|
3.45% 0.30% |
$250,000 $1,000 |
- |
Learn More
|
|
|
Rate History: 3.70% → 3.55% → 3.75% → 3.45% |
||||
|
NORTY FLATZ | 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 |
||||
|
2.53% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.05% → 2.53% |
||||
|
2.28% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 2.53% → 2.28% |
||||
|
Unhappy | Mar 25, 2020 Banner bank is sometimes hard to work with. If you have a construction loan to get a disbursement you fill out a sheet with the line item (not a big deal). Then they schedule an inspection that you pay $... Read More |
||||
|
1.92% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.04% → 2.68% → 2.27% → 2.02% → 1.92% |
||||
|
1.35% 1.12% |
$100,000 $500 |
- |
Learn More
|
|
|
Tami Phillips | Aug 15, 2019 I DO NOT LIKE THIS BANK, MORE THAN ONCE I HAVE BEEN HUMILIATED BY THIS BANK AND THEIR CARDS. Read More |
||||
|
1.10% |
$10,000 |
14.31 |
Learn More
|
|
|
1.01% |
$10,000 |
3.54 |
Learn More
|
|
|
0.89% |
$100,000 |
1.68 |
Learn More
|
|
|
0.85% |
$1,000 |
- |
Learn More
|
|
|
0.83% |
$10,000 |
1.68 |
Learn More
|
|
|
0.65% |
$10,000 |
21.31 |
Learn More
|
|
|
0.65% |
$10,000 |
23.14 |
Learn More
|
|
|
0.55% |
$10,000 |
11.97 |
Learn More
|
|
|
Small Company | Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More |
||||
|
0.46% |
$10,000 |
20.36 |
Learn More
|
|
|
0.45% |
$10,000 |
8.03 |
Learn More
|
|
|
tomlynn | Apr 15, 2019 Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we ... Read More |
||||
|
0.40% |
$50,000 |
- |
Learn More
|
|
|
0.40% |
$10,000 |
0.72 |
Learn More
|
|
|
Michael strubert | Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More |
||||
|
0.35% |
$100,000 |
17.53 |
Learn More
|
|
|
0.30% |
$10,000 |
8.09 |
Learn More
|
|
|
0.30% |
$10,000 |
17.53 |
Learn More
|
|
|
0.25% |
$10,000 |
13.59 |
Learn More
|
|
|
kmills | Nov 15, 2019 If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... Read More |
||||
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
||||
|
0.20% |
$10,000 |
2.41 |
Learn More
|
|
|
Bauhinia C | 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 |
||||
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates