New Jersey

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New Jersey CD Rates – 3-Year

You are viewing rates from banks across New Jersey





Below are three-year CD Rates from banks in New Jersey. 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.

NJ - July 30, 2025

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 4.00% → 3.75% → 4.00% → 4.15%

| May 6, 2023

Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More

Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More

Rate History: 3.56% → 4.16% → 4.00%

| 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

Early withdrawal penalty is 180 days interest.

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early Withdrawal Penalty is 360 days interest.
Rate History: 4.35% → 4.35% → 4.19% → 3.77% → 3.97%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal penalty is 6 Months' interest.
Rate History: 4.50% → 4.40% → 4.15% → 4.00% → 3.95%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

Rate History: 3.80% → 4.20% → 4.10% → 3.95%

| Oct 2, 2015

I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.10% → 4.30% → 4.10% → 4.00% → 3.95%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 3.00% → 4.45%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Rate History: 0.30% → 1.80% → 4.50% → 4.55% → 3.85%

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 4.00% → 3.60% → 3.91% → 3.80%

| Mar 19, 2022

Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More

Warning: Early Withdrawal Penalty is 2% of principal.

| Dec 22, 2018

I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%

| Jun 26, 2020

Rate not current Read More

Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75%

| Sep 30, 2023

CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.25% → 3.00% → 4.25% → 3.85% → 3.75%

| Jun 8, 2016

When is your next shred date @Ramtown? Read More

Rate History: 3.00% → 3.60%

| Aug 31, 2022

never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More

Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.20% → 4.10% → 3.75% → 3.45% → 3.50%

| Mar 20, 2025

A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Jan 10, 2024

AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More

Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50%

| Aug 13, 2023

Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.30% → 4.00% → 3.50%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Rate History: 2.75% → 2.75% → 3.50%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 4.00% → 3.75% → 3.50%

| Jul 6, 2023

This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More

Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%

| 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

Rate History: 3.10% → 3.40%

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

3.36%

$1,000

-

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Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35%

| 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

| 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

Rate History: 3.25% → 3.60% → 3.25%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More

Rate History: 4.00% → 4.10% → 4.00% → 3.25%

| Mar 25, 2020

I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More

Rate History: 3.10% → 2.85% → 3.50% → 3.25%

| Mar 20, 2016

Good solid bank. Read More

| Jan 28, 2025

4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More

Rate History: 2.00% → 4.25% → 3.10%

| Jun 26, 2022

ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. Read More

Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.30% → 3.50% → 4.00% → 3.50% → 3.00%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More

Rate History: 2.00% → 3.00%

| Feb 13, 2018

Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More

Early Withdrawal Penalty is 18 months interest.
Rate History: 3.50% → 3.00% → 2.60% → 3.00%

Rate History: 2.80% → 2.85% → 2.90%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 2.70%

| Aug 26, 2022

Too slow to raise rates. Read More

Rate History: 1.00% → 2.75% → 2.65%

| May 26, 2017

Before009 Read More

Early Withdrawal Penalty in 180 days interest.
Rate History: 5.00% → 3.50% → 3.00% → 2.50%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

Early Withdrawal Penalty in 180 days interest.
Rate History: 5.00% → 4.00% → 3.00% → 2.25%

| Apr 25, 2023

with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

Rate History: 4.00% → 2.00% → 2.50% → 3.50% → 2.00%

| 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

Rate History: 1.98% → 2.00%

| Apr 30, 2019

No issues. I feel confident using them. Read More

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.75% → 2.55% → 1.55%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

Rate History: 2.75% → 2.55% → 1.30%

| Feb 24, 2020

I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More

| Nov 9, 2020

Here's what you will need: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating "Zip code is not valid for this ap... Read More

Rate History: 0.10% → 1.50% → 0.99%

| 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

| Jul 17, 2021

I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More

0.85%

$1,000

-

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| May 24, 2021

Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More

0.80%

$10,000

-

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| Jul 11, 2020

A great bank. Rates are competitive and they have outstanding customer service. Read More

0.80%

$10,000

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Rate History: 1.00% → 0.75%

| Nov 8, 2019

farmer Read More

0.75%

$10,000

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0.75%

$10,000

-

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| Nov 6, 2022

I have been to your bank branch several times I don't want my statement to be mailed please once again I'm requesting for you to not send any oaperr statements to me i expect my privacy and you are still M... Read More

0.75%

$10,000

-

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Rate History: 0.35% → 0.75%

| May 14, 2015

looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More

0.70%

$10,000

-

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0.65%

$10,000

-

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0.60%

$100,000

-

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0.55%

$1,000

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0.55%

$10,000

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Rate History: 0.65% → 0.50% → 4.25% → 0.50%

| Mar 26, 2021

Spencer Bank is by far, the ABSOLUTE WORST Banking institution there is. The Bank - and the Headquarters - display a host of shortcomings and clearly are the most substandard bank - dealing with numerou... Read More

| 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

| Jan 11, 2020

I tried to do a re-fi loan through this place. Total nightmare. They never sent the loan disclosure prior to the closing. Imagine my surprise at closing when my cash to closing number increased by almo... Read More

0.50%

$5,000

-

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

| Apr 1, 2020

when I hit learn more, I get this box to rate the bank. WHY Read More

0.45%

$10,000

-

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0.45%

$10,000

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0.45%

$10,000

-

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0.45%

$10,000

-

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| 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

| Nov 1, 2022

This local community bank “by far” exceeded my expectations of what a banking institution should be. They take the time to understand their customers needs, educatedly answer questions, and take the ti... Read More

0.39%

$10,000

-

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0.35%

$10,000

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0.35%

$10,000

-

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| Mar 29, 2020

have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More

0.30%

$10,000

-

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| 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

Rate History: 2.75% → 0.25%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

0.25%

$10,000

-

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| Mar 10, 2021

I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More

0.25%

$10,000

-

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| 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

-

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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%

| May 19, 2018

Experience Read More

| 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

0.10%

$10,000

-

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Rate History: 0.02% → 0.05%

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

| 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

| 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

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
Popular Bank
North Bergen Branch
85-01 Kennedy Boulevard North Bergen NJ
Freedom Bank
Guttenberg Branch
6812 Park Avenue Guttenberg NJ
Manasquan Bank
Bay Head Branch
85 Bridge Avenue Bay Head NJ
Capital One, National Association
Freehold Branch
Routes 33 And 79 (146 South Street) Freehold NJ
Bank of Hope
Bank Of Hope Branch
7 Broad Avenue, First Floor Palisades Park NJ
Customers Bank
Hamilton Branch
314 Route 33 Hamilton NJ
Cross River Bank
Cross River Bank Branch
885 Teaneck Road Teaneck NJ
Blue Foundry Bank
753 Ridge Road Branch
753 Ridge Road Lyndhurst NJ
Habib American Bank
Iselin Branch
1585 Oak Tree Road Iselin NJ
Haddon Savings Bank
Haddon Savings Bank Branch
201 White Horse Pike Haddon Heights NJ
Northfield Bank
Denow Road Branch
802 Denow Road Pennington NJ
New Millennium Bank
New Millennium Bank Branch
222 Bridge Plaza South Fort Lee NJ
Citibank, National Association
Englewood Branch
89 Engle Street Englewood NJ
JPMorgan Chase Bank, National Association
Becton Dickinson Corporate Branch
1 Becton Drive Franklin Lakes NJ
PCB Bank
Fort Lee Office Branch
1550 Lemoine Avenue Fort Lee NJ
1st Colonial Community Bank
Westville Branch
321 Broadway Westville NJ
Parke Bank
Galloway Branch
67 E Jimmie Leeds Rd Galloway NJ
First Hope Bank, A National Banking Association
Blairstown Branch
Route 94 Blairstown NJ
TrustCo Bank
Ramsey Branch
385 N Franklin Turnpike Ramsey NJ
First Hope Bank, A National Banking Association
Blairstown Branch
Route 94 Blairstown NJ
First Bank
Lawrence Branch
590 Lawrence Square Blvd. South Lawrenceville NJ
Ascendia Bank
Glen Rock Savings Bank Branch
525 Cedar Hill Ave. Wyckoff NJ
Unity Bank
Union Branch
952 Stuyvesant Avenue Union Township NJ
Monroe Savings Bank
Williamstown Branch
1712 South Black Horse Pike Williamstown NJ
Alma Bank
Fort Lee Federal Svgs Branch
817 Abbott Blvd Fort Lee NJ
Bogota Savings Bank
Teaneck Branch
819 Teaneck Road Teaneck NJ
Magyar Bank
North Brunswick Branch
582 Milltown Road North Brunswick NJ
Newfield National Bank
Main Road Branch
North Main Road And Kay Terrace Vineland NJ
Crest Savings Bank
Crest Savings Bank Branch
9800 Pacific Avenue Wildwood Crest NJ
Provident Bank
Provident Bank Branch
49 Rt 202 Far Hills NJ
Haven Savings Bank
Berkeley Heights Branch
555 Springfield Avenue Berkeley Heights NJ
The First National Bank of Elmer
Harding Branch
130 Harding Highway Elmer NJ
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Kearny Bank
Pompton Plains Pequannock Branch
917 Route 23 Pompton Plains NJ
Abacus Federal Savings Bank
Edison Branch
869 U.S. Route 1 South Edison NJ
Hanmi Bank
Edison Branch
1031 Us Hwy 1 South Edison NJ
Spencer Savings Bank, SLA
Parsippany Branch
1699 Littleton Road Parsippany NJ
Blue Foundry Bank
753 Ridge Road Branch
753 Ridge Road Lyndhurst NJ
Berkshire Bank
Mercerville Township Branch
840 Route 33 Mercerville NJ
Somerset Regal Bank
Raritan Branch
802 Somerset Street Raritan NJ
Amboy Bank
Sayrewoods Branch
1086 New Jersey 9 South Old Bridge NJ
Armed Forces Bank, National Association
Mcguire Exchange Branch
Building 3452 P.O. Box 16171 Mc Guire Afb NJ
Univest Bank and Trust Co.
Ocean City Branch
921 West Avenue Ocean City NJ
Columbia Bank
Mount Laurel Branch
99 Ramblewood Parkway At Route 73 Mount Laurel NJ
Lusitania Savings Bank
Harrison Branch
302 Frank E. Rodgers Blvd Harrison NJ
Franklin Bank
Woolwich Branch
99 Center Square Road Woolwich Township NJ
The Pennsville National Bank
Carneys Point Branch
Shell Road And Virginia Avenue Carneys Point NJ
Cathay Bank
New Jersey Branch
1775 Route 27 Edison NJ
The Bank of Princeton
Hamilton Branch
339 Route 33 Hamilton NJ
1st Bank of Sea Isle City
1st Bank Of Sea Isle City Branch
4301 Landis Avenue Sea Isle City NJ
Hana Bank USA, National Association
Keb Hana Bank Usa, National Association Branch
2024 Center Avenue Fort Lee NJ
The First National Bank of Absecon
White Horse Pike Branch
White Horse Pike & New Jersey Avenue Absecon NJ
Metro City Bank
Fort Lee, New Jersey Branch
1636 Parker Avenue Fort Lee NJ
Bank of Hope
Bank Of Hope Branch
7 Broad Avenue, First Floor Palisades Park NJ
Millville Savings Bank
Millville Savings And Loan Associati Branch
904 West Main Street Millville NJ
Crown Bank
Crown Bank Branch
400 Westminster Avenue Elizabeth NJ
Shinhan Bank America
Fort Lee Branch
222 Main Street Fort Lee NJ
The Berkshire Bank
Teaneck Branch
517 Cedar Lane Teaneck NJ
OceanFirst Bank, National Association
Shrewsbury Branch
490 Shrewsbury Plaza Shrewsbury NJ
Sturdy Savings Bank
North Cape May Branch
3851 Bayshore Road North Cape May NJ
TD Bank, National Association
Beach Boulevard Branch
Route 9 And Beach Boulevard Lacey Township NJ
Firstrust Savings Bank
Greentree Mews Branch
600 North Route 73, Suites #1 And #4 Marlton NJ
PNC Bank, National Association
Rutgers University Stadium Branch
1 Scarlet Knight Way Piscataway NJ
Bank of America, National Association
Woodbridge Iselin Branch
U.S. 1 And Gill Lane Iselin NJ


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

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.

SAVINGS & CD CALCULATOR

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