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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Gardendale
Below are three-year CD Rates from banks in Gardendale, 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.
Gardendale, 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 |
- |
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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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3.30% |
$1,000 |
11.82 |
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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 |
1.96 |
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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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1.40% |
$500 |
15.41 |
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1.40% |
$500 |
19.96 |
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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 |
17.98 |
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1.15% |
$10,000 |
17.56 |
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1.00% |
$10,000 |
7.35 |
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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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1.00% |
$10,000 |
16.33 |
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kdm0030 | Jan 13, 2023 Disappointed! Wellsfargo is not great but better than Noble. Read More |
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0.96% |
$10,000 |
12.47 |
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0.85% |
$1,000 |
- |
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0.75% |
$10,000 |
1.77 |
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0.71% |
$10,000 |
22.37 |
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0.70% |
$10,000 |
12.66 |
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0.65% |
$10,000 |
1.92 |
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0.65% |
$100,000 |
22.06 |
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0.60% |
$10,000 |
20.40 |
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Terry | Jun 7, 2018 Fabulous bank Read More |
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0.60% |
$10,000 |
21.29 |
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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 |
11.10 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.55% |
$10,000 |
22.06 |
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0.40% |
$1,000 |
- |
Learn More
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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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0.40% |
$10,000 |
11.41 |
Learn More
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0.30% |
$10,000 |
19.94 |
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deb | Jun 11, 2015 Synovus no longer offers this rate as of 5/8/2015---I called and asked 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 |
18.55 |
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
18.02 |
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 |
|---|---|---|---|
|
EvaBank Clairmont Branch |
2915 Clairmont Avenue | Birmingham | AL |
|
Valley National Bank Gardendale Branch |
210 Fieldstown Road Suite 142 | Gardendale | AL |
|
Union State Bank Pleasant Grove Branch |
829 Park Road | Pleasant Grove | AL |
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Woodforest National Bank Hueytown Branch |
1007 Red Farmer Drive | Hueytown | AL |
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Metro Bank Moody Branch |
2603 Moody Parkway | Moody | AL |
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Millennial Bank Covenant Bank Branch |
7924 Parkway Drive | Leeds | AL |
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The Hometown Bank of Alabama Pinson Branch |
6811 Highway 79 | Pinson | AL |
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NobleBank & Trust Birmingham Office Branch |
361 Summit Blvd | Birmingham | AL |
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BHM Bank Alamerica Bank Branch |
2170 Highland Avenue | Birmingham | AL |
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SouthPoint Bank Gardendale Branch |
1101 Main Street | Gardendale | AL |
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ServisFirst Bank Greystone Branch |
5403 Highway 280, Suite 401 | Hoover | AL |
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Pinnacle Bank Alabama Bryan Road Branch |
790 Highway 78 | Sumiton | AL |
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Peoples Bank of Alabama Gardendale Branch |
336 Fieldstown Road | Gardendale | AL |
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Bryant Bank Highway 150 Branch |
2721 John Hawkins Parkway | Hoover | AL |
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CB&S Bank, Inc. Birmingham Office Branch |
1301 Doug Baker Boulevard | Birmingham | AL |
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Trustmark Bank Riverchase Corporate Center Branch |
1 Chase Corporation Drive Ste 105 | Birmingham | AL |
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Renasant Bank Birmingham Renasant Place Branch |
2001 Parkplace Tower | Birmingham | AL |
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Bryant Bank Highway 150 Branch |
2721 John Hawkins Parkway | Hoover | AL |
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Citizens Trust Bank Third Avenue Branch |
1700 Third Avenue North | Birmingham | AL |
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Synovus Bank Cordova Branch |
20 Mill Street | Cordova | AL |
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Regions Bank Hueytown Branch |
109 Hueytown Plaza | Hueytown | AL |
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PNC Bank, National Association Hueytown Allison-Bonnett Branch |
3059 Allison-Bonnett Memorial Drive | Hueytown | AL |
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Regions Bank Hueytown Branch |
109 Hueytown Plaza | Hueytown | 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