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Image Courtesy: pixabay.com
You are viewing rates from banks across Garner
Below are three-year CD Rates from banks in Garner, North Carolina. 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.
Garner, NC - August 2, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
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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 |
- |
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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 |
- |
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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 |
- |
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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 |
- |
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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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3.30% 2.40% |
$501 $500 |
21.16 |
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Rate History: 3.55% → 3.30% |
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2.85% |
$5,000 |
- |
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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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1.25% |
$1,000 |
9.90 |
Learn More
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tedd | Jun 28, 2021 They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. Read More |
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1.06% |
$100,000 |
10.84 |
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1.01% |
$10,000 |
10.80 |
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0.85% |
$1,000 |
- |
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0.50% |
$100,000 |
13.50 |
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0.45% |
$10,000 |
13.50 |
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0.45% |
$10,000 |
2.31 |
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jholmes50@nc.rr.com | Aug 21, 2019 Dear Sirs: What do the initials KS stand for? A name? Or something else? Thank you, Jim Holmes Read 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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0.30% |
$500 |
11.18 |
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0.30% |
$10,000 |
10.84 |
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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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0.20% |
$10,000 |
22.16 |
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0.20% |
$10,000 |
15.19 |
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0.10% |
$1,000 |
17.25 |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.05% 0.01% |
$2,501 $2,500 |
11.04 |
Learn More
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Rate History: 0.03% → 0.05% |
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0.01% |
$500 |
10.40 |
Learn More
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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| Branch | Street | City | State |
|---|---|---|---|
|
Benchmark Community Bank Wake Forest Lpo Branch |
12335 Wake Union Church Road | Wake Forest | NC |
|
Benchmark Community Bank Wake Forest Lpo Branch |
12335 Wake Union Church Road | Wake Forest | NC |
|
Atlantic Union Bank Lake Boone Branch |
2235 Gateway Access Point | Raleigh | NC |
|
Peoples Bank Banco De La Gente - Raleigh Branch |
3023-105 Capital Boulevard | Raleigh | NC |
|
North State Bank West Raleigh Branch |
2413 Blue Ridge Road | Raleigh | NC |
|
First Bank Apex Branch |
402 East Williams Street | Apex | NC |
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First Bank Apex Branch |
402 East Williams Street | Apex | NC |
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KS Bank, Inc. Garner Branch |
920 Seventh Avenue | Garner | NC |
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First Federal Bank Fuquay-Varina Branch |
603 North Judd Parkway N.E. | Fuquay Varina | NC |
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Peoples Bank Banco De La Gente - Raleigh Branch |
3023-105 Capital Boulevard | Raleigh | NC |
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Southern Bank and Trust Company Pine Level Branch |
109 Peedin Avenue | Pine Level | NC |
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TowneBank Cary Office Branch |
5000 Valleystone Dr., Ste110 | Cary | NC |
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First Horizon Bank West Cary Branch |
7705 Carpenter Fire Station Road | Cary | NC |
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Regions Bank Glenwood Branch |
3700 Glenwood Avenue, Suite 100 | Raleigh | NC |
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Regions Bank Glenwood Branch |
3700 Glenwood Avenue, Suite 100 | Raleigh | NC |
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Fifth Third Bank, National Association Cary Branch |
7210 Tryon Road | Cary | NC |
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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