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You are viewing rates from banks across Gardner
Below are three-year CD Rates from banks in Gardner, Massachusetts. 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.
Gardner, MA - August 1, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 365 days interest. |
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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 |
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4.00% |
$25,000 |
- |
Learn More
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Rate History: 3.56% → 4.16% → 4.00% |
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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 |
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3.95% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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3.75% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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3.50% |
$500 |
- |
Learn More
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Rate History: 2.75% → 2.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.40% |
$2,500 |
- |
Learn More
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Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40% |
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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 |
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3.25% |
$1,000 |
23.43 |
Learn More
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Rate History: 2.50% → 3.25% |
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3.25% |
$500 |
20.59 |
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Rate History: 1.35% → 3.89% → 3.25% |
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3.25% |
$5,000 |
1.20 |
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Rate History: 3.10% → 2.85% → 3.50% → 3.25% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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3.05% |
$1,000 |
13.90 |
Learn More
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Rate History: 3.98% → 3.56% → 3.67% → 3.15% → 3.05% |
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sur | Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More |
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2.85% |
$5,000 |
- |
Learn More
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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 |
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2.75% |
$0 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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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 |
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2.57% |
$10 |
23.45 |
Learn More
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Rate History: 0.05% → 1.79% → 1.53% → 3.09% → 2.57% |
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1.15% |
$500 |
9.40 |
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0.90% |
$10,000 |
17.28 |
Learn More
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Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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0.85% |
$1,000 |
- |
Learn More
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0.75% |
$10,000 |
14.19 |
Learn More
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0.60% |
$10,000 |
11.53 |
Learn More
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0.50% |
$10,000 |
17.28 |
Learn More
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Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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0.50% |
$500 |
12.79 |
Learn More
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0.50% |
$10,000 |
23.62 |
Learn More
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0.45% |
$1,000 |
12.77 |
Learn More
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Rate History: 0.40% → 0.50% → 0.45% |
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0.45% |
$10 |
19.38 |
Learn More
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0.40% |
$1,000 |
- |
Learn More
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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 |
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0.25% |
$10,000 |
- |
Learn More
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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 |
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.15% |
$10,000 |
16.81 |
Learn More
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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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0.03% |
$100,000 |
0.23 |
Learn More
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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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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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