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You are viewing rates from banks across Auburn
Below are three-year CD Rates from banks in Auburn, Alabama. 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.
Auburn, AL - October 30, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.90% |
$2,500 |
- |
Learn More
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Rate History: 4.00% → 3.60% → 3.40% → 4.00% → 3.90% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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3.76% |
$25,000 |
- |
Learn More
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Rate History: 3.56% → 4.16% → 4.00% → 3.76% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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3.70% |
$10,000 |
- |
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Early Withdrawal Penalty is 365 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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3.70% |
$1,000 |
- |
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Early Withdrawal Penalty is 180 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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3.50% |
$500 |
- |
Learn More
|
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Rate History: 2.75% → 2.75% → 3.50% |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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3.25% |
$5,000 |
- |
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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3.10% |
$500 |
23.58 |
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SadSack | Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More |
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0.85% |
$1,000 |
- |
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0.70% |
$10,000 |
2.21 |
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Chadpatt | Jun 14, 2021 I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More |
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0.67% |
$10,000 |
15.74 |
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0.60% |
$10,000 |
5.89 |
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trbf15 | Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More |
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0.55% |
$10,000 |
4.32 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.45% |
$500 |
8.73 |
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0.40% |
$1,000 |
- |
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RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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0.33% |
$1,000 |
4.90 |
Learn More
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thedon | 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 |
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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.05% 0.01% |
$501 $500 |
2.26 |
Learn More
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
23.33 |
Learn More
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GAM | 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 |
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| Branch | Street | City | State |
|---|---|---|---|
|
Valley National Bank Dadeville Branch |
391 North Broadnax Street | Dadeville | AL |
|
MidSouth Bank Auburn Branch |
519 East Glenn Avenue | Auburn | AL |
|
Liberty Bank and Trust Company Tuskegee Branch |
301 North Elm Street | Tuskegee | AL |
|
Trustmark Bank Auburn Branch |
415 North Dean Road | Auburn | AL |
|
Renasant Bank Auburn Branch |
1678 South College Street | Auburn | AL |
|
AuburnBank Notasulga Branch |
950 Auburn Rd. | Notasulga | AL |
|
Metro City Bank Opelika Branch |
1805 Gateway Drive | Opelika | AL |
|
Regions Bank Auburn Main Branch |
165 North College Street | Auburn | AL |
|
PNC Bank, National Association Bank Of Dadeville Branch |
242 Broadnax Street | Dadeville | AL |
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Regions Bank Auburn Main Branch |
165 North College Street | Auburn | AL |
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