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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Dunedin
Below are three-year CD Rates from banks in Dunedin, Florida. 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.
Dunedin, FL - July 4, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.00% |
$5,000 |
3.06 |
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Rate History: 4.15% → 3.95% → 4.00% → 3.95% → 4.00% |
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3.45% |
$1,000 |
12.28 |
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Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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2.00% |
$10,000 |
11.78 |
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.50% |
$500 |
19.49 |
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Rate History: 0.10% → 1.50% |
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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1.50% |
$500 |
7.56 |
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1.00% |
$1,000 |
19.39 |
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Rate History: 0.10% → 1.35% → 4.00% → 1.35% → 1.00% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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0.85% |
$1,000 |
- |
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0.85% |
$10,000 |
3.13 |
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0.75% |
$10,000 |
5.11 |
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.50% |
$10,000 |
13.07 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.45% |
$100,000 |
9.57 |
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0.38% |
$10,000 |
8.38 |
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0.35% |
$100,000 |
6.92 |
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Asj | Nov 15, 2020 Do they? Read More |
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0.35% |
$10,000 |
9.57 |
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0.35% |
$10,000 |
6.92 |
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Asj | Nov 15, 2020 Do they? Read More |
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0.25% |
$10,000 |
12.38 |
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Jason Wach | Aug 22, 2019 Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More |
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0.15% |
$10,000 |
15.00 |
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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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0.10% |
$1,000 |
8.36 |
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0.05% 0.01% |
$2,501 $2,500 |
12.34 |
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
6.01 |
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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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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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