Best 3-Year CD Rates in Arkansas, AR

You are viewing rates from banks across Arkansas

Below are three-year CD Rates from banks in Arkansas. 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.

AR - August 4, 2025

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%
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
Prime Alliance Bank	4.15%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 4.00% → 3.75% → 4.00% → 4.15%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00%
mcriss \| 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
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.56% → 4.16% → 4.00%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 180 days interest.
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.35% → 4.35% → 4.19% → 3.77% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Colorado Federal Savings Bank	3.95%	$5,000	-	Learn More Add Review
Early Withdrawal penalty is 6 Months' interest. Rate History: 4.50% → 4.40% → 4.15% → 4.00% → 3.95%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
M.Y. Safra Bank	3.91%	$500	-	Learn More
Rate History: 3.00% → 4.45%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Goldman Sachs Bank	3.90%	$500	-	Learn More Add Review
Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.30% → 4.10% → 4.00% → 3.95% → 3.90%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.00% → 3.60% → 3.91% → 3.80%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Virtualbank, a division of First Horizon Bank	3.77%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 2% of principal.
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Limelight Bank, A division of Capital Community Bank	3.75%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%
Savvysaver \| Jun 26, 2020 Rate not current Read More
CFG Bank Bentonville Branch	3.75%	$500	-	Learn More Add Review
Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Banesco USA	3.60%	$1,000	-	Learn More
Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 4.20% → 4.10% → 3.75% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
NS123 \| 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
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.00% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Sallie Mae Bank	3.40%	$2,500	-	Learn More
Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%
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 Reviews (40)
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.10% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Bank of Whittier, National Association	3.36%	$1,000	-	Learn More Add Review
Finworth Malvern Branch	3.30%	$50,000	-	Learn More Add Review
Geoffrey Christopher 1 \| 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
Ivy Bank, a division of Cambridge Savings Bank	3.25%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60% → 3.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Citizens	3.25%	$5,000	-	Learn More
Rate History: 3.10% → 2.85% → 3.50% → 3.25%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Peak Bank, a division of Idaho First Bank	3.14%	$500	-	Learn More Add Review
Gary Smith \| Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 3.50% → 4.00% → 3.50% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 18 months interest. Rate History: 3.50% → 3.00% → 2.60% → 3.00%
Citizens	2.85%	$5,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris The Merchants & Planters Bank Branch	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| 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
Rising Bank, a division of Midwest BankCentre	2.70%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 2.70%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Clear Sky Accounts	2.65%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 2.75% → 2.65%
ruler009 \| May 26, 2017 Before009 Read More
Dollar Savings Direct, a division of Emigrant Bank	2.50%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 3.50% → 3.00% → 2.50%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
My Savings Direct, a division of Emigrant Bank	2.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 4.00% → 3.00% → 2.25%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Salem Five Direct	2.00%	$10,000	-	Learn More Add Review
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Intrust Bank, National Association Rogers, Arkansas Branch	2.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.75% → 3.00% → 2.50% → 2.00%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 1.98% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
Hingham Savings	1.70%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
BOKF, National Association Bk Arkansas Fayetteville Branch	1.55%	$100,000	-	Learn More
Rate History: 2.05% → 1.55%
Aku \| May 29, 2020 Dua Read More Reviews (1)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.30%	$1,000	-	Learn More Add Review
Rate History: 2.75% → 2.55% → 1.30%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Gateway Bank Gateway Bank Branch	1.27%	$10,000	-	Learn More Add Review
Texana Bank, National Association Arkansas Blvd Branch	1.25%	$10,000	-	Learn More
Steve \| Mar 19, 2021 ... Read More Reviews (2)
Bank of England Riverdale Branch	1.25%	$10,000	-	Learn More Add Review
First Financial Bank Timberlane Branch	1.11%	$10,000	-	Learn More Add Review
Signature Bank of Arkansas Bentonville Branch	1.10%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
Commercial Bank & Trust Company	1.00%	$10,000	-	Learn More Add Review
First State Bank of DeQueen First State Bank Of Dierks Branch	1.00%	$10,000	-	Learn More Add Review
Farmers Bank & Trust Company North Branch	1.00%	$10,000	-	Learn More Add Review
Merchants and Farmers Bank Merchants And Farmers Bank Branch	1.00%	$100,000	-	Learn More Add Review
The Peoples Bank Golden Oaks Branch	1.00%	$10,000	-	Learn More
Marsha Sarkela \| Mar 2, 2021 This is NOT CORRECT. Read More Reviews (2)
Merchants & Planters' Bank Merchants & Planters' Bank Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Little Rock Heights Branch	1.00%	$500	-	Learn More Add Review
Rate History: 1.25% → 1.00%
Signature Bank of Arkansas Bentonville Branch	1.00%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
Armstrong Bank Highway 71 Branch	1.00%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Legacy National Bank Legacy National Bank Branch	0.95%	$10,000	-	Learn More Add Review
Commercial National Bank of Texarkana Fouke Branch	0.95%	$10,000	-	Learn More Add Review
Connect Bank White Hall Branch	0.95%	$10,000	-	Learn More Add Review
Bank of Lake Village Highway Branch	0.90%	$10,000	-	Learn More Add Review
Southern Bank Southern Bank Branch	0.90%	$100,000	-	Learn More Add Review
Bank of Salem Viola Branch	0.90%	$10,000	-	Learn More Add Review
Grand Savings Bank Decatur Branch	0.90%	$500	-	Learn More Add Review
Bank5 Connect	0.85%	$500	-	Learn More Add Review
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Firstar Bank Fort Smith Branch	0.85%	$100,000	-	Learn More Add Review
Bank of Cave City Evening Shade Branch	0.85%	$10,000	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
First National Bank of North Arkansas Carroll Center Branch	0.80%	$10,000	-	Learn More Add Review
United Bank Fayetteville Branch	0.80%	$10,000	-	Learn More Add Review
Focus Bank Marmaduke Facility Branch	0.80%	$10,000	-	Learn More Add Review
Cross County Bank First Commercial Bank, Osceola Branch	0.80%	$100,000	-	Learn More Add Review
First Financial Bank Timberlane Branch	0.80%	$10,000	-	Learn More Add Review
Southern Bank Southern Bank Branch	0.80%	$10,000	-	Learn More Add Review
First Security Bank West Main Street Branch	0.80%	$10,000	-	Learn More
Landcdale@gmail.com \| May 3, 2023 Do you cash ee saving bonds Read More Reviews (1)
Partners Bank West Branch	0.75%	$10,000	-	Learn More Add Review
Union Bank & Trust Company University Branch	0.75%	$10,000	-	Learn More Add Review
Cross County Bank First Commercial Bank, Osceola Branch	0.75%	$10,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.75%	$1,000	-	Learn More
Jeflofgren \| May 4, 2021 Very knowledgeable people Read More Reviews (1)
FBT Bank & Mortgage Northwest Branch	0.75%	$10,000	-	Learn More Add Review
Armstrong Bank Highway 71 Branch	0.75%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
First State Bank Carlisle Branch	0.75%	$10,000	-	Learn More Add Review
Merchants and Farmers Bank Merchants And Farmers Bank Branch	0.75%	$500	-	Learn More Add Review
First Arkansas Bank and Trust Clinton Branch	0.75%	$500	-	Learn More
Jane Voshell \| Aug 4, 2023 Our Mastercard was transferred to this bank 10 yrs ago. One account--two cards. Fraud on EACH card began occurring in April 2023. Their fraud group cancelled each compromised card and issued new ones each... Read More Reviews (1)
Generations Bank Van Buren Branch	0.70%	$1,000	-	Learn More Add Review
The Farmers & Merchants Bank East Branch	0.70%	$100,000	-	Learn More Add Review
Anstaff Bank Norfork Branch	0.65%	$10,000	-	Learn More
Farmer Jay \| Sep 14, 2023 My wife and I wanted to purchase a tractor for 25000.00. The equipment company sent us to Anstaff Bank for financing and instructed us to speak with Bailey Booperhamer. When we walked in, he immediately sa... Read More Reviews (3)
The Citizens Bank Monticello Division Branch	0.65%	$10,000	-	Learn More Add Review
Relyance Bank, National Association Relyance Bank, National Association Branch	0.65%	$100,000	-	Learn More Add Review
Firstar Bank Fort Smith Branch	0.65%	$1,000	-	Learn More Add Review
The Farmers & Merchants Bank East Branch	0.65%	$10,000	-	Learn More Add Review
Today's Bank Today's Bank Branch	0.65%	$10,000	-	Learn More Add Review
Relyance Bank, National Association Relyance Bank, National Association Branch	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Izard County Horseshoe Bend Branch	0.60%	$10,000	-	Learn More Add Review
The Union Bank of Mena Hatfield Branch	0.60%	$10,000	-	Learn More Add Review
First National Bank of Eastern Arkansas Wheatley Branch	0.60%	$100,000	-	Learn More Add Review
Chambers Bank North Highway 16 Branch	0.60%	$10,000	-	Learn More
Lindsy \| Nov 6, 2016 Chambers Bank is the best bank by far! The branch in Mena still has the small town friendly atmosphere. Quick service and they know you by name. Read More Reviews (1)
The Farmers & Merchants Bank East Branch	0.60%	$10,000	-	Learn More Add Review
Cornerstone Bank Berryville Branch	0.58%	$10,000	-	Learn More
Countrygirl \| Mar 1, 2021 Rates on here are not accurate. Read More Reviews (1)
FNBC Bank Messenger Service Branch	0.55%	$500	-	Learn More Add Review
First Community Bank Southside Branch	0.55%	$10,000	-	Learn More Add Review
Citizens' Bank & Trust Co. Mountainburg Branch	0.55%	$10,000	-	Learn More Add Review
Priority Bank Priority Bank Branch	0.55%	$10,000	-	Learn More
SR \| Dec 2, 2020 Only gave it one star because we had to. We were referred to Priority Bank by Rausch and Coleman homes as we purchased a house from them. That is the only reason we even started a home mortgage with them. ... Read More Reviews (1)
First Western Bank Caulksville-Ratcliff Branch	0.50%	$10,000	-	Learn More Add Review
Smackover State Bank Norphlet Branch	0.50%	$10,000	-	Learn More Add Review
Great Southern Bank Southern Bankcorp Bank Of Trumann Br Branch	0.50%	$250	-	Learn More Add Review
The First National Bank of Fort Smith Brooken Hill Branch	0.50%	$5,000	-	Learn More Add Review
Farmers Bank Mansfield Branch	0.50%	$100,000	-	Learn More Add Review
First State Bank Ola Branch	0.50%	$1,000	-	Learn More Add Review
First National Bank of Eastern Arkansas Wheatley Branch	0.50%	$10,000	-	Learn More Add Review
Armor Bank Armor Bank, National Association Branch	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Lawrence County at Walnut Ridge Pocahontas Branch	0.45%	$10,000	-	Learn More Add Review
Farmers Bank Mansfield Branch	0.45%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$1,000	-	Learn More Add Review
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
Eagle Bank and Trust Company Second And Main Branch	0.40%	$10,000	-	Learn More Add Review
ENCORE BANK The Capital Bank Branch	0.40%	$10,000	-	Learn More Add Review
Southern Bancorp Bank Hamburg Branch	0.40%	$500	-	Learn More Add Review
The Malvern National Bank Main Street Branch	0.40%	$10,000	-	Learn More
Bobby jean \| Jun 15, 2019 My aunt was treated horrible by okd gray headed teller with glasses at malvern national bank down town and this big fat black man with a too little shirt on and jeans sagging and tammie. This bank is raci... Read More Reviews (1)
Centennial Bank Rodney Parham Road Branch	0.35%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| 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
WebBank	0.25%	$2,500	-	Learn More
Rate History: 2.75% → 0.25%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Equity Bank Berryville Branch	0.25%	$1,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| 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
TD Bank, National Association	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
U.S. Bank National Association One Riverfront Place Branch	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
OneWest Bank, a division of First-Citizens Bank and Trust	0.05%	$500	-	Learn More Add Review
Regions Bank Fairfield Bay Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
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 Reviews (1)
Bank of America, National Association Geyer Springs Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

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
CFG Bank Bentonville Branch	700 S. E. Walton Boulevard, Suite #2	Bentonville	AR
Finworth, a division of InsBank Malvern Branch	608 East Page	Malvern	AR
BMO Alto, a division of Bank of Montreal Harris The Merchants & Planters Bank Branch	297 Madison Street	Clarendon	AR
Intrust Bank, National Association Rogers, Arkansas Branch	3300 Market Street	Rogers	AR
BOKF, National Association Bk Arkansas Fayetteville Branch	3500 North College Ave	Fayetteville	AR
Gateway Bank Gateway Bank Branch	112 Main Street	Rison	AR
Texana Bank, National Association Arkansas Blvd Branch	502 Arkansas Blvd	Texarkana	AR
Bank of England Riverdale Branch	1320 Rebsamen Park Road	Little Rock	AR
First Financial Bank Timberlane Branch	500 Timberlane	El Dorado	AR
Signature Bank of Arkansas Bentonville Branch	700 S. E. Walton Boulevard, Suite #2	Bentonville	AR
First State Bank of DeQueen First State Bank Of Dierks Branch	507 Front St	Dierks	AR
Farmers Bank & Trust Company North Branch	617 North Hervey	Hope	AR
Merchants and Farmers Bank Merchants And Farmers Bank Branch	500 Highway 65 South	Dumas	AR
The Peoples Bank Golden Oaks Branch	East Dixon And South Walnut Streets	Waldo	AR
Merchants & Planters' Bank Merchants & Planters' Bank Branch	Second And Hazel Streets	Newport	AR
Bank of Little Rock Heights Branch	5120 Kavanaugh	Little Rock	AR
Signature Bank of Arkansas Bentonville Branch	700 S. E. Walton Boulevard, Suite #2	Bentonville	AR
Armstrong Bank Highway 71 Branch	9201 Highway 71 South	Fort Smith	AR
Legacy National Bank Legacy National Bank Branch	4901 W Pauline Whitaker Parkway	Rogers	AR
Commercial National Bank of Texarkana Fouke Branch	U.S. Highway 71 And Redcut Road	Fouke	AR
Connect Bank White Hall Branch	7101 Dollarway Rd	White Hall	AR
Bank of Lake Village Highway Branch	1015 Us Highway 65	Lake Village	AR
Southern Bank Southern Bank Branch	601 North Holman	Brookland	AR
Bank of Salem Viola Branch	9338 Hwy 62 West	Viola	AR
Grand Savings Bank Decatur Branch	372 Sh 59 N	Decatur	AR
Firstar Bank Fort Smith Branch	4300 Rogers Avenue, Suite 7	Fort Smith	AR
Bank of Cave City Evening Shade Branch	2089 Evening Shade Drive	Evening Shade	AR
Bank of 1889 Carroll Center Branch	910 West Trimble Suite 1	Berryville	AR
United Bank Fayetteville Branch	670 East Joyce Boulevard	Fayetteville	AR
Focus Bank Marmaduke Facility Branch	7281 Highway 34 East	Marmaduke	AR
Cross Bank First Commercial Bank, Osceola Branch	750 West Keiser	Osceola	AR
First Financial Bank Timberlane Branch	500 Timberlane	El Dorado	AR
Southern Bank Southern Bank Branch	601 North Holman	Brookland	AR
First Security Bank West Main Street Branch	191 West Main Street	Farmington	AR
Partners Bank West Branch	Highway 49	West Helena	AR
Union Bank & Trust Company University Branch	569 Us 425	Monticello	AR
Cross Bank First Commercial Bank, Osceola Branch	750 West Keiser	Osceola	AR
First National Bank First National Bank Branch	Second And Court Streets	Paragould	AR
FBT Bank & Mortgage Northwest Branch	Upton Drive And U.S. Highway 79-167	Fordyce	AR
Armstrong Bank Highway 71 Branch	9201 Highway 71 South	Fort Smith	AR
First State Bank Carlisle Branch	213 North Court	Carlisle	AR
Merchants and Farmers Bank Merchants And Farmers Bank Branch	500 Highway 65 South	Dumas	AR
First Arkansas Bank and Trust Clinton Branch	185 Bone Street	Clinton	AR
Generations Bank Van Buren Branch	2925 Alma Highway	Van Buren	AR
The Farmers & Merchants Bank East Branch	1846 North Crossover Road	Fayetteville	AR
Anstaff Bank Norfork Branch	23 Wolf Street	Norfork	AR
The Citizens Bank Monticello Division Branch	555 West Gaines Street	Monticello	AR
Relyance Bank Relyance Bank, National Association Branch	912 South Poplar Street	Pine Bluff	AR
Firstar Bank Fort Smith Branch	4300 Rogers Avenue, Suite 7	Fort Smith	AR
The Farmers & Merchants Bank East Branch	1846 North Crossover Road	Fayetteville	AR
Today's Bank Today's Bank Branch	432 Madison 1650	Huntsville	AR
Relyance Bank Relyance Bank, National Association Branch	912 South Poplar Street	Pine Bluff	AR
The First National Bank of Izard County Horseshoe Bend Branch	South Bend Drive	Horseshoe Bend	AR
Union Bank Hatfield Branch	Highway 71 North At Taylor Street	Hatfield	AR
First National Bank of Eastern Arkansas Wheatley Branch	108 Little Rock Street	Wheatley	AR
Chambers Bank North Highway 16 Branch	2019 North Center Street	Elkins	AR
The Farmers & Merchants Bank East Branch	1846 North Crossover Road	Fayetteville	AR
CS Bank Berryville Branch	907 W Trimble	Berryville	AR
FNBC Bank Messenger Service Branch	636 Ash Flat Drive	Ash Flat	AR
First Community Bank Southside Branch	One Allen Chapel Road	Batesville	AR
Citizens' Bank & Trust Co. Mountainburg Branch	124 Us Highway 71 North	Mountainburg	AR
Priority Bank Priority Bank Branch	3401 East Mission Blvd	Fayetteville	AR
First Western Bank Caulksville-Ratcliff Branch	9418 West State Hwy 22	Caulksville	AR
Smackover State Bank Norphlet Branch	300 East Padgett Road	Norphlet	AR
Great Southern Bank Southern Bankcorp Bank Of Trumann Br Branch	2522 Pinnacle Hills Parkway, Suite 101	Rogers	AR
The First National Bank of Fort Smith Brooken Hill Branch	9300 Highway 71 South	Fort Smith	AR
Farmers Bank Mansfield Branch	16 Huntington Avenue	Mansfield	AR
First State Bank Ola Branch	Fourche Avenue At Boles Street	Ola	AR
First National Bank of Eastern Arkansas Wheatley Branch	108 Little Rock Street	Wheatley	AR
Armor Bank Armor Bank, National Association Branch	715 N Washington	Forrest City	AR
First National Bank Of Commerce Pocahontas Branch	1755 Hwy 62 West	Pocahontas	AR
Farmers Bank Mansfield Branch	16 Huntington Avenue	Mansfield	AR
Eagle Bank and Trust Company Second And Main Branch	Second And Main Streets	Heber Springs	AR
ENCORE BANK The Capital Bank Branch	12224 Chenal Parkway	Little Rock	AR
Southern Bancorp Bank Hamburg Branch	210 North Main	Hamburg	AR
The Malvern National Bank Main Street Branch	127 Pine Bluff Street	Malvern	AR
Centennial Bank Rodney Parham Road Branch	9712 Rodney Parham Road	Little Rock	AR
Equity Bank Berryville Branch	911 W. Trimble	Berryville	AR
U.S. Bank National Association One Riverfront Place Branch	One Riverfront Place	North Little Rock	AR
Regions Bank Fairfield Bay Branch	121 Lost Creek Parkway	Fairfield Bay	AR
Bank of America, National Association Geyer Springs Branch	8200 Geyer Springs Road	Little Rock	AR
Regions Bank Fairfield Bay Branch	121 Lost Creek Parkway	Fairfield Bay	AR

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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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Arkansas CD Rates – 3-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

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