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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Carbondale
Below are three-year CD Rates from banks in Carbondale, Illinois. 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.
Carbondale, IL - July 16, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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1.40% |
$500 |
5.96 |
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Rate History: 1.00% → 1.40% → 2.25% → 1.40% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.05% |
$100,000 |
17.33 |
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0.90% |
$100,000 |
17.52 |
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0.90% |
$1,000 |
17.33 |
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0.86% |
$500 |
20.58 |
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0.85% |
$1,000 |
- |
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0.80% |
$500 |
24.36 |
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No One Important | Nov 12, 2022 This bank has changed from what it used to be some years ago. I used to have an account, got loans through them. Did all my banking through this establishment. They were a hometown proud financial insti... Read More |
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0.80% |
$100,000 |
5.75 |
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0.80% |
$10,000 |
14.43 |
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0.80% |
$10,000 |
17.52 |
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0.75% |
$10,000 |
15.71 |
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0.70% |
$10,000 |
2.30 |
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0.70% |
$10,000 |
5.75 |
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0.65% |
$1,000 |
8.83 |
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0.65% |
$10,000 |
6.35 |
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0.60% |
$10,000 |
7.72 |
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0.55% |
$100,000 |
21.53 |
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0.55% |
$10,000 |
17.41 |
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0.50% |
$10,000 |
11.92 |
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0.50% |
$10,000 |
20.06 |
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0.50% |
$10,000 |
21.53 |
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0.45% |
$10,000 |
24.00 |
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0.40% |
$500 |
2.21 |
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0.35% |
$10,000 |
21.40 |
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0.35% 0.30% |
$1,000 $1,001 |
2.68 |
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0.30% |
$10,000 |
1.79 |
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jefflockwoodlaw2288@gmail.com | Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More |
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0.30% |
$10,000 |
19.03 |
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0.30% |
$10,000 |
8.65 |
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0.15% |
$10,000 |
2.96 |
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0.10% |
$500 |
12.61 |
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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 |
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0.05% 0.01% |
$2,501 $2,500 |
8.58 |
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Rate History: 0.03% → 0.05% |
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0.01% |
$500 |
10.78 |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ 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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