Alabama

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Hoover, Alabama CD Rates – 3-Year

You are viewing rates from banks across Hoover





Below are three-year CD Rates from banks in Hoover, 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.

Hoover, AL - August 2, 2025

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%

| 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

Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More

Rate History: 3.56% → 4.16% → 4.00%

| 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

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.30% → 4.10% → 4.00% → 3.95% → 3.90%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%

| Jun 26, 2020

Rate not current Read More

Rate History: 2.71% → 4.01% → 3.01% → 3.54%

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Rate History: 2.75% → 2.75% → 3.50%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%

| 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

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Early Withdrawal Penalty is 18 months interest.
Rate History: 3.50% → 3.00% → 2.60% → 3.00%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

Rate History: 1.25% → 1.10% → 2.02%

1.40%

$500

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Rate History: 1.00% → 1.40% → 2.25% → 1.40%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

1.25%

$10,000

-

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1.25%

$10,000

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1.15%

$10,000

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| 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

1.00%

$10,000

-

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| Jan 13, 2023

Disappointed! Wellsfargo is not great but better than Noble. Read More

0.96%

$10,000

-

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0.95%

$10,000

-

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| 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

0.85%

$500

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0.85%

$10,000

-

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0.85%

$1,000

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0.85%

$10,000

-

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0.85%

$10,000

-

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0.80%

$10,000

-

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0.78%

$10,000

-

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0.76%

$500

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0.75%

$1,000

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| Apr 23, 2020

If you're not with Central State Bank and you're in business... why the heck not? I've been with CSB since 2007. In that time they've provided top tier service and a down home feel. My most recent exper... Read More

0.75%

$10,000

-

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0.75%

$10,000

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0.75%

$10,000

-

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| Mar 4, 2023

OMB controller currency CFPB mortgage loans originator regulation G 3170-0005 requested full disclosure Read More

0.75%

$10,000

-

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0.71%

$10,000

-

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| 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

0.70%

$10,000

-

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0.70%

$10,000

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0.70%

$10,000

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0.67%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$500

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0.65%

$10,000

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0.65%

$10,000

-

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0.65%

$100,000

-

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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| Jun 7, 2018

Fabulous bank Read More

0.60%

$10,000

-

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| 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

| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

0.55%

$10,000

-

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0.55%

$10,000

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0.50%

$500

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.45%

$10,000

-

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| Aug 10, 2022

1st National Bank of Tennessee is not, in my opinion, a mobile friendly bank. Be aware that they do not have a 1-800 number on their cards. So, if it happens to be a weekend and you're out of town trying... Read More

0.45%

$10,000

-

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| 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

0.40%

$10,000

-

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0.40%

$10,000

-

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0.40%

$500

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0.35%

$10,000

-

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| Nov 15, 2020

Do they? Read More

| 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

| Jul 27, 2020

If you don't mind the web site for your account on the week ends being down. This is the bank for you. When you have a problem you have to wait one to two days for someone in charge to call you back after ... Read More

0.30%

$10,000

-

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0.30%

$10,000

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0.30%

$1,000

-

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| Jun 11, 2015

Synovus no longer offers this rate as of 5/8/2015---I called and asked Read More

0.30%

$10,000

-

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| Nov 5, 2021

only if you are a customer Read More

| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

| Mar 28, 2022

Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More

| May 30, 2022

I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More

0.16%

$10,000

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0.10%

$10,000

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Rate History: 0.03% → 0.05%

| 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

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 10007


Branch Street City State
Synchrony Bank
United Bank Branch
200 East Nashville Avenue Atmore AL
Bank Independent
Moulton Branch
15259 Court Street Moulton AL
Capital One 360
Attalla Branch
923 Attalla Boulevard Attalla AL
EvaBank
Evabank Branch
4113 Eva Road Eva AL
Finworth, a division of InsBank
Geneva Branch
515 South Commerce Street Geneva AL
ableBanking, a division of Northeast Bank
Merchants Bank Of Alabama Branch
900 Second Avenue, Sw Cullman AL
MainStreet Bank
Phenix-Girard Bank Branch
801 13th Street Phenix City AL
Citizens
Peoples Exchange Bank Branch
2013 Highway 21 Bypass Monroeville AL
Farmers and Merchants Bank
Farmers And Merchants Bank Branch
112 East Ladiga Street Piedmont AL
Union State Bank
Union State Bank Branch
15 20th Street North Pell City AL
Woodforest National Bank
8049 Birmingham Branch
1600 Mont Claire Road Birmingham AL
Metro Bank
Metro Bank Branch
800 Martin Street South Pell City AL
The Citizens Bank
The Citizens Bank Branch
301 South Edwards Street Enterprise AL
Millennial Bank
Covenant Bank Branch
7924 Parkway Drive Leeds AL
The Exchange Bank of Alabama
Attalla Branch
923 Attalla Boulevard Attalla AL
The Hometown Bank of Alabama
The Hometown Bank Of Alabama Branch
2002 2nd Avenue, East Oneonta AL
Cullman Savings Bank
Cullman Savings Bank Branch
316 Second Avenue S.W. Cullman AL
NobleBank & Trust
Noblebank & Trust Branch
1509 Quintard Avenue Anniston AL
Alamerica Bank
Alamerica Bank Branch
2170 Highland Avenue Birmingham AL
PeoplesTrust Bank
Hackleburg Branch
34888 U.S. Highway 43 Hackleburg AL
Peoples Independent Bank
Horizon Bank Branch
1167 Main St Fyffe AL
Citizens Bank & Trust, Inc.
Sand Mountain Branch
29316 Alabama Highway 71 Higdon AL
The Southern Bank Company
The Southern Bank Company Branch
221 S Sixth St Gadsden AL
22nd State Bank
First Exchange Bank Of Alabama Branch
1920 Main Street Louisville AL
Liberty Bank
Collinsville Branch
5350 Alabama Highway 68 Collinsville AL
First Community Bank of Central Alabama
First Community Bank Of Central Alab Branch
715 Wilson Street Wetumpka AL
The Commercial Bank Of Ozark
The Commercial Bank Of Ozark Branch
208 South Merrick Avenue Ozark AL
FirstState Bank
Firststate Bank Branch
88730 Highway 9 Lineville AL
First Jackson Bank, Inc.
First Jackson Bank, Inc. Branch
43243 Us Highway 72 Stevenson AL
Central State Bank
Central State Bank Branch
11025 Hwy 25 Calera AL
SouthPoint Bank
Southpoint Bank Branch
3501 Grandview Parkway Birmingham AL
HNB First Bank
Hnb First Bank Branch
40 Main Street Headland AL
First State Bank of DeKalb County
First State Bank Of Dekalb County Branch
2407 Gault Avenue North Fort Payne AL
West Alabama Bank & Trust
Aliceville Branch
4 3rd Avenue Northwest Aliceville AL
Southern States Bank
Sylacauga Branch
101 West Fort Williams Street Sylacauga AL
ServisFirst Bank
Servisfirst Bank Branch
2500 Woodcrest Place Birmingham AL
MidSouth Bank
Eufaula Branch
230 South Eufaula Avenue Eufaula AL
Pinnacle Bank
Pinnacle Bank Branch
1811 Second Avenue Jasper AL
Citizens Bank & Trust
Citizens Bank & Trust Branch
711 Gunter Avenue Guntersville AL
The Samson Banking Company, Inc.
The Samson Banking Company, Inc. Branch
2 West Main Street Samson AL
Liberty Bank and Trust Company
Tuskegee Branch
301 North Elm Street Tuskegee AL
First Bank of Alabama
The First Bank Of Alabama Branch
120 East North Street Talladega AL
First Citizens Bank
First Citizens Bank Branch
100 West Third Street Luverne AL
First Federal Bank, A FSB
First Federal Bank, A Fsb Branch
1300 Mcfarland Boulevard, N.E. Tuscaloosa AL
First Southern State Bank
First Southern State Bank Branch
80 Bank Street Stevenson AL
Peoples Bank of Alabama
Peoples Bank Of Alabama Branch
1912 Cherokee Avenue, Sw Cullman AL
Bryant Bank
Bryant Bank Branch
1550 Mcfarland Boulevard North Tuscaloosa AL
The Farmers & Merchants Bank
The Farmers & Merchants Bank Branch
320 Main St Waterloo AL
First Southern Bank
First Southern Bank Branch
301 South Court Street Florence AL
First Fidelity Bank
First Fidelity Bank Branch
1400 Gault Avenue North Fort Payne AL
CB&S Bank, Inc.
Phil Campbell Branch
3571 Broad Street Phil Campbell AL
PeoplesSouth Bank
Peoples Community Columbia Branch
109 East Church Street Columbia AL
Trustmark National Bank
Banktrust Of Brewton/Branch
227 Belleville Avenue Brewton AL
Renasant Bank
Columbiana Branch
106 E College St Columbiana AL
The First National Bank and Trust
The First National Bank And Trust Branch
111 South Main Street Atmore AL
Robertson Banking Company
Robertson Banking Company Branch
216 North Walnut Avenue Demopolis AL
Bryant Bank
Bryant Bank Branch
1550 Mcfarland Boulevard North Tuscaloosa AL
First Community Bank of Cullman
First Community Bank Of Cullman Branch
420 2nd Avenue, Sw Cullman AL
Merchants & Marine Bank
Gulf Shores Branch
1820 South Gulf Shores Parkway Gulf Shores AL
Bank47
Community Bank And Trust - Alabama Branch
202 North Powell Street Union Springs AL
Commonwealth National Bank
Commonwealth National Bank Branch
2214 St. Stephens Road Mobile AL
FirstBank
Huntsville Branch
720 Gallatin Street Sw, Suite 150 Huntsville AL
Peoples Exchange Bank Alabama
Peoples Exchange Bank Branch
2013 Highway 21 Bypass Monroeville AL
Armed Forces Bank, National Association
Rucker Branch
Building 9207 Fort Rucker AL
Community Spirit Bank
Community Spirit Bank Branch
200 4th Avenue Sw Red Bay AL
AuburnBank
Auburnbank Branch
100 North Gay Street Auburn AL
Century Bank
Mobile County Bank Branch
Union Church Road And Highway 90 Grand Bay AL
First National Bank of Pulaski
Huntsville Branch
2101 Clinton Ave., Suite 101 Huntsville AL
Community Bank of Mississippi
Airport Boulevard Branch
6587 Airport Boulevard Mobile AL
AmeriFirst Bank
Amerifirst Bank Branch
104 Hardaway Avenue Union Springs AL
Citizens Trust Bank
Third Avenue Branch
1700 Third Avenue North Birmingham AL
CCB Community Bank
Ccb Community Bank Branch
225 East Three Notch Street Andalusia AL
Sweet Water State Bank
Sweet Water State Bank Branch
31385 Alabama Highway 10 Sweet Water AL
Centennial Bank
Gulf Shores Branch
2201 West First Street Gulf Shores AL
Metro City Bank
Opelika Branch
1805 Gateway Drive Opelika AL
Southern Independent Bank
Southern Independent Bank Branch
503 North Main Street Opp AL
First Cahawba Bank
First Cahawba Bank Branch
2610 Citizens Parkway Selma AL
BankFirst Financial Services
Tuscaloosa County Branch
2205-C 7th Street Tuscaloosa AL
Citizens' Bank, Inc.
Citizens' Bank, Inc. Branch
21980 Palmer Street Robertsdale AL
Synovus Bank
Dora Branch
2123 Highway 78 Dora AL
The First National Bank of Hartford
The First National Bank Of Hartford Branch
101 Third Avenue South Hartford AL
Phenix-Girard Bank
Phenix-Girard Bank Branch
801 13th Street Phenix City AL
Ameris Bank
Dothan Branch
3299 Ross Clark Circle Dothan AL
Troy Bank & Trust Company
Troy Bank & Trust Company Branch
1000 Highway 231 South Troy AL
Friend Bank
Friend Bank Branch
220 E. Lawrence Harris Hwy Slocomb AL
Regions Bank
Arab 1199 Brindlee Mountain Pkwy Bra Branch
1199 N. Brindlee Mountain Parkway Arab AL
PNC Bank, National Association
First Citizens Bank Branch
409 East Battle Street Talladega AL
Regions Bank
Arab 1199 Brindlee Mountain Pkwy Bra Branch
1199 N. Brindlee Mountain Parkway Arab AL


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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