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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Boaz
Below are three-year CD Rates from banks in Boaz, 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.
Boaz, AL - July 17, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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1.40% |
$500 |
22.93 |
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1.40% |
$500 |
13.14 |
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Rate History: 1.00% → 1.40% → 2.25% → 1.40% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.25% |
$10,000 |
22.29 |
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1.10% |
$10,000 |
13.64 |
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1.00% |
$10,000 |
21.48 |
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OldCrone | Mar 16, 2023 The branch manager is unavailable and doesnt care what goes on as long as he is not bothered. The tellers are rude and referr to customers who ask for help as " special needs customers". Read More |
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0.95% |
$10,000 |
10.07 |
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$Theta88008 | Feb 9, 2024 Last week we called the People's Independent main branch to gain an understanding of the institution, a normal procedure for any family. We do not live in Boaz, AL, so we thought we could have our question... Read More |
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0.85% |
$10,000 |
16.07 |
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0.85% |
$1,000 |
- |
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0.85% |
$10,000 |
13.84 |
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0.70% |
$10,000 |
16.50 |
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0.65% |
$10,000 |
22.59 |
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0.05% 0.01% |
$2,501 $2,500 |
23.28 |
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Rate History: 0.03% → 0.05% |
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| Branch | Street | City | State |
|---|---|---|---|
|
Union State Bank Ashville Branch |
32 Court Street East | Ashville | AL |
|
Woodforest National Bank Guntersville Branch |
11697 Us Highway 431 | Guntersville | AL |
|
Metro Bank Ashville Branch |
35489 Ushwy 231 | Ashville | AL |
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The Exchange Bank of Alabama The Exchange Bank Of Alabama Branch |
Sixth And Blount Streets | Altoona | AL |
|
The Hometown Bank of Alabama The Hometown Bank Of Alabama Branch |
2002 2nd Avenue, East | Oneonta | AL |
|
Peoples Independent Bank Douglas Branch |
99 Alabama Highway 168 | Horton | AL |
|
The Southern Bank Company 2204 Henry Street Branch |
2204 Henry Street | Guntersville | AL |
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Liberty Bank Snead Branch |
87615 Us Hwy 278 East | Altoona | AL |
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Citizens Bank & Trust Mobile Messenger Servie Branch |
404 Gunter Avenue | Guntersville | AL |
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Peoples Bank of Alabama Oneonta Branch |
918 2nd Avenue East | Oneonta | AL |
|
Regions Bank Oneonta Main Branch |
201 First Avenue E. | Oneonta | AL |
|
Regions Bank Oneonta Main Branch |
201 First Avenue E. | Oneonta | 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.
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