Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Tampa
Below are three-year CD Rates from banks in Tampa, 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.
Tampa, FL - August 2, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.15% |
$10,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 365 days interest. |
||||
|
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 |
||||
|
4.00% |
$5,000 |
8.72 |
Learn More
|
|
|
Rate History: 4.15% → 3.95% → 4.00% → 3.95% → 4.00% |
||||
|
4.00% |
$25,000 |
- |
Learn More
|
|
|
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 |
||||
|
3.95% |
$25,000 |
- |
Learn More
|
|
|
Warning: Early Withdrawal Penalty is 2% of the account balance. |
||||
|
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 |
||||
|
3.75% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
||||
|
Savvysaver | Jun 26, 2020 Rate not current Read More |
||||
|
3.50% |
$500 |
- |
Learn More
|
|
|
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 |
||||
|
3.45% |
$1,000 |
4.20 |
Learn More
|
|
|
Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
||||
|
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 |
||||
|
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 |
||||
|
3.30% |
$50,000 |
18.30 |
Learn More
|
|
|
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 |
||||
|
2.85% |
$5,000 |
- |
Learn More
|
|
|
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 |
||||
|
2.75% |
$0 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
||||
|
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 |
||||
|
2.00% |
$10,000 |
23.04 |
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 |
||||
|
1.50% |
$500 |
13.47 |
Learn More
|
|
|
1.00% |
$1,000 |
18.86 |
Learn More
|
|
|
Rate History: 0.10% → 1.35% → 4.00% → 1.35% → 1.00% |
||||
|
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 |
||||
|
0.99% |
$500 |
23.04 |
Learn More
|
|
|
Rate History: 0.10% → 1.50% → 0.99% |
||||
|
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 |
||||
|
0.85% |
$1,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
12.93 |
Learn More
|
|
|
0.75% |
$500 |
15.93 |
Learn More
|
|
|
Justice | Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More |
||||
|
0.75% |
$10,000 |
15.56 |
Learn More
|
|
|
Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
||||
|
0.50% |
$10,000 |
11.05 |
Learn More
|
|
|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
||||
|
0.45% |
$100,000 |
15.82 |
Learn More
|
|
|
0.40% |
$1,000 |
- |
Learn More
|
|
|
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 |
||||
|
0.38% |
$10,000 |
17.05 |
Learn More
|
|
|
0.35% |
$100,000 |
12.76 |
Learn More
|
|
|
Asj | Nov 15, 2020 Do they? Read More |
||||
|
0.35% |
$10,000 |
15.82 |
Learn More
|
|
|
0.35% |
$10,000 |
12.76 |
Learn More
|
|
|
Asj | Nov 15, 2020 Do they? Read More |
||||
|
0.25% |
$10,000 |
- |
Learn More
|
|
|
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 |
||||
|
0.25% |
$10,000 |
7.17 |
Learn More
|
|
|
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 |
||||
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
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 |
||||
|
0.20% |
$10,000 |
22.32 |
Learn More
|
|
|
Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
||||
|
0.15% |
$10,000 |
23.48 |
Learn More
|
|
|
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15% |
||||
|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
||||
|
0.10% |
$1,000 |
17.21 |
Learn More
|
|
|
0.05% 0.01% |
$2,501 $2,500 |
23.16 |
Learn More
|
|
|
Rate History: 0.03% → 0.05% |
||||
|
0.03% |
$25,000 |
23.15 |
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 |
||||
|
0.03% |
$100,000 |
22.98 |
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 |
||||
|
0.01% |
$500 |
21.81 |
Learn More
|
|
|
Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
||||
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