Connecticut

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Waterbury, Connecticut CD Rates – 3-Year

You are viewing rates from banks across Waterbury

 

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

Waterbury, CT - July 6, 2025

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| 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

Rate History: 3.10% → 2.85% → 3.50% → 3.25%

| Mar 20, 2016

Good solid bank. Read More

| 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

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 1.25% → 1.35%

| Aug 15, 2021

20 Read More

0.85%

$1,000

-

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0.75%

$10,000

18.38

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0.75%

$10,000

3.48

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0.70%

$100,000

23.87

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0.70%

$100,000

23.24

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0.65%

$10,000

17.28

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0.65%

$10,000

15.97

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0.65%

$10,000

23.87

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0.60%

$10,000

23.24

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0.50%

$10,000

16.06

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0.35%

$10,000

23.11

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0.35%

$10,000

18.12

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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%

| May 19, 2018

Experience Read More

0.10%

$10,000

8.01

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Rate History: 0.02% → 0.05%

| 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

| 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

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 Waterbury, CT - July 6, 2025


Branch Street City State
Capital One, National Association
Branford Main Branch
45 South Main Street Branford CT
Citizens
Cherry Street Branch
123 Cherry Street Milford CT
Citibank, National Association
Fairfield Branch
1275 Post Road Fairfield CT
JPMorgan Chase Bank, National Association
Greenfield Hill Branch
161 Hillside Road Fairfield CT
Liberty Bank
Southford Branch
1570 Southford Road Southbury CT
Ives Bank
Southbury Branch
325 Main Street Southbury CT
Newtown Savings Bank
Newtown High School Branch
12 Berkshire Road Sandy Hook CT
New Haven Bank
Start Community Bank Branch
299 Whalley Avenue New Haven CT
Thomaston Savings Bank
Bethlehem Branch
73 Main Street South Bethlehem CT
Fairfield County Bank
Fairfield County Bank Branch
1312 Post Road Fairfield CT
Ion Bank
Southbury Branch
363 Main Street South Southbury CT
Union Savings Bank
Monroe Branch
411 Monroe Turnpike Monroe CT
Thomaston Savings Bank
Bethlehem Branch
73 Main Street South Bethlehem CT
Fairfield County Bank
Fairfield County Bank Branch
1312 Post Road Fairfield CT
The Milford Bank
The Milford Bank Branch
2366 Main Street Stratford CT
Connecticut Community Bank, National Association
Westport National Bank Division Branch
1100 Kings Highway East Fairfield CT
Webster Bank, National Association
Fairfield Branch
1177 Post Road Fairfield CT
Essex Savings Bank
Madison Branch
99 Durham Road Madison CT
TD Bank, National Association
Fairfield/Black Rock Trnpk Branch
1715 Black Rock Fairfield CT
The Guilford Savings Bank
North Main Street Branch
61 North Main Street Branford CT
KeyBank National Association
Fairfield Center Branch
1761 Post Road Fairfield CT
Bank of America, National Association
Fairfield Branch
1366 Post Rd Fairfield CT


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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