Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Lake Forest
Below are three-year CD Rates from banks in Lake Forest, 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.
Lake Forest, IL - July 16, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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5.00% |
$5,000 |
1.46 |
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Rate History: 4.50% → 5.00% |
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3.45% |
$1,000 |
12.29 |
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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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3.35% 0.30% |
$250,000 $1,000 |
14.94 |
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Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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2.00% |
$1,500 |
20.81 |
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Rate History: 0.20% → 2.00% |
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2.00% |
$0 |
22.26 |
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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 |
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2.00% |
$10,000 |
18.90 |
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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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1.75% |
$1,000 |
22.87 |
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Rate History: 2.00% → 1.75% |
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Mandy | May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More |
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1.40% |
$500 |
14.85 |
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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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1.00% |
$1,000 |
18.80 |
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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% |
$2,500 |
6.74 |
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0.85% |
$1,000 |
- |
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0.80% |
$10,000 |
12.65 |
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0.75% |
$5,000 |
16.28 |
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Rate History: 1.00% → 0.75% |
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0.75% |
$10,000 |
20.00 |
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0.75% |
$100,000 |
21.30 |
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0.65% |
$100,000 |
13.22 |
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0.65% |
$10,000 |
21.30 |
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0.62% |
$100,000 |
1.22 |
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0.60% |
$10,000 |
23.66 |
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0.60% |
$10,000 |
13.22 |
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0.60% |
$10,000 |
17.76 |
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0.60% |
$2,500 |
23.00 |
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0.55% |
$10,000 |
14.02 |
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0.55% |
$100,000 |
20.77 |
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0.50% |
$10,000 |
4.14 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.50% |
$10,000 |
20.77 |
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0.50% |
$100,000 |
24.93 |
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0.50% |
$1,000 |
17.09 |
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Allan | Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More |
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0.50% |
$10,000 |
20.81 |
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0.47% |
$10,000 |
24.83 |
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0.45% |
$100,000 |
1.20 |
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.45% |
$100,000 |
7.84 |
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0.40% |
$10,000 |
1.20 |
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.40% |
$10,000 |
7.84 |
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0.40% |
$10,000 |
20.72 |
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0.40% |
$10,000 |
1.22 |
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0.40% |
$50,000 |
21.23 |
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0.40% |
$1,000 |
24.93 |
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0.35% |
$10,000 |
23.34 |
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Ed | Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More |
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0.35% |
$100,000 |
21.05 |
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business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
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0.30% |
$10,000 |
6.57 |
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RobertJ | May 10, 2022 Centrust Bank is excellent to do business with. Friendly and experienced bankers. Read More |
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0.30% |
$10,000 |
22.95 |
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0.30% |
$10,000 |
22.55 |
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0.30% |
$10,000 |
21.05 |
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business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
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0.25% |
$10,000 |
17.78 |
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0.25% |
$10,000 |
11.90 |
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0.20% |
$10,000 |
23.96 |
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Retired | Feb 16, 2021 No longer offered even though it’s shown here Read More |
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0.18% |
$10,000 |
15.74 |
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Doug | Aug 22, 2017 $100K min on new CD's. They will not bend. So had to take $170K to another bank, now @ 2.5%. Read More |
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0.03% |
$100,000 |
22.59 |
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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 |
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0.01% |
$500 |
21.91 |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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0.01% |
$10,000 |
24.18 |
Learn 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.
Use or Change these Amounts And Rates