Best 3-Year CD Rates in New York, NY

You are viewing rates from banks across New York

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

NY - July 30, 2025

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%
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
Prime Alliance Bank	4.15%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 4.00% → 3.75% → 4.00% → 4.15%
JBaker65 \| 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 Reviews (10)
Bank of Utica Bank Of Utica Branch	4.15%	$500	-	Learn More
Rate History: 5.00% → 4.75% → 4.50% → 4.25% → 4.15%
adirondackgirl \| Oct 29, 2018 I believe you must live in Utica or surrounding area to qualify for opening an account with them - I inquired a few years ago Read More Reviews (7)
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00%
mcriss \| 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
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.56% → 4.16% → 4.00%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 180 days interest.
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.35% → 4.35% → 4.19% → 3.77% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Colorado Federal Savings Bank	3.95%	$5,000	-	Learn More Add Review
Early Withdrawal penalty is 6 Months' interest. Rate History: 4.50% → 4.40% → 4.15% → 4.00% → 3.95%
jp2 \| 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
Popular Bank Seneca Avenue Branch	3.95%	$1,000	-	Learn More
Rate History: 3.80% → 4.20% → 4.10% → 3.95%
Dr. E. F. Ayers; e.f.ayers@outlook.com \| Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More Reviews (2)
Merrick Bank	3.95%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.30% → 4.10% → 4.00% → 3.95%
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 Reviews (2)
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	3.91%	$500	-	Learn More
Rate History: 3.00% → 4.45%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Goldman Sachs Bank	3.90%	$500	-	Learn More Add Review
Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.00% → 3.60% → 3.91% → 3.80%
Yat 1965 \| 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 Reviews (8)
State Bank of India State Bank Of India Branch	3.80%	$1,000	-	Learn More Add Review
Rate History: 4.58% → 4.47% → 4.16% → 3.96% → 3.80%
Spring Bank Bronx Branch - Main Headquarters	3.80%	$250	-	Learn More Add Review
Rate History: 4.50% → 3.50% → 3.80%
Virtualbank, a division of First Horizon Bank	3.77%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 2% of principal.
Hello VirtualBank? \| 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
Limelight Bank, A division of Capital Community Bank	3.75%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%
Savvysaver \| Jun 26, 2020 Rate not current Read More
iGobanking.com, a division of Flushing Bank	3.75%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.75% → 4.25% → 4.00% → 3.75%
PJs at bedtime \| Jun 25, 2022 I've been in and out of igo. I usually carry a large balance when they are rate competitive (half the time) and move by money somewhere else when they aren't (the other half). The $3,000 transfer limit is ... Read More
CFG Bank	3.75%	$500	-	Learn More Add Review
Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75%
TJK \| 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
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| 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
Banesco USA	3.60%	$1,000	-	Learn More
Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60%
Dkplan \| 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 Reviews (8)
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
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%
smithy1968 \| 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
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
AVOID_ READ_CAREFULLY \| 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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50%
Rad \| 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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
NS123 \| 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
LendingClub Lakeville Rd Branch	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.00% → 3.50%
overdrawn \| 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 Reviews (21)
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 2.75% → 2.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Capital One, National Association Penn Plaza Branch	3.50%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
highstream \| 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 Reviews (14)
Flushing Bank 7102 3rd Avenue Branch	3.50%	$1,000	-	Learn More
Rate History: 1.00% → 4.00% → 3.50%
Fred Theobald \| Jun 15, 2017 Just a great group of people to interact with at the Mineola branch. Been working with them for years. Everybody at all of the branches has always been a pleasure. Read More Reviews (1)
First Central Savings Bank Main Street Branch	3.50%	$500	-	Learn More Add Review
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| 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
Maspeth Federal Savings and Loan Association 801 Jericho Turnpike Branch	3.45%	$2,500	-	Learn More Add Review
Rate History: 3.50% → 3.45%
Cross County Savings Bank Eliot Branch	3.45%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.15% → 3.75% → 3.65% → 3.45%
Sallie Mae Bank	3.40%	$2,500	-	Learn More
Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%
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 Reviews (40)
Bank of Whittier, National Association	3.36%	$1,000	-	Learn More Add Review
Bank of Hope Flushing-Crocheron Branch	3.35% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35%
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 Reviews (1)
Ridgewood Savings Bank Bay Ridge Branch	3.35%	$100	-	Learn More
Rate History: 3.75% → 4.15% → 3.85% → 3.75% → 3.35%
an \| Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More Reviews (5)
Finworth New York Branch	3.30%	$50,000	-	Learn More Add Review
Geoffrey Christopher 1 \| 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
Ivy Bank, a division of Cambridge Savings Bank	3.25%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60% → 3.25%
lrcbob \| 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
Customers Bank Ryebrook Branch	3.25%	$500	-	Learn More
Rate History: 4.00% → 4.10% → 4.00% → 3.25%
James A. Elder \| 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 Reviews (3)
Quontic Bank Quontic Bank Branch	3.25%	$500	-	Learn More
Warning: Early withdrawal penalty equals two years of interest. Rate History: 4.40% → 3.75% → 3.25%
JuanVelasco \| Mar 17, 2023 STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More Reviews (15)
Citizens Clifton Park Branch	3.25%	$5,000	-	Learn More
Rate History: 3.10% → 2.85% → 3.50% → 3.25%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Amalgamated Bank Morris Heights Branch	3.20%	$500	-	Learn More Add Review
Rate History: 3.25% → 3.20% → 3.82% → 3.05% → 3.20%
Amalgamated Bank	3.20%	$500	-	Learn More Add Review
Rate History: 2.95% → 3.20%
Massena Savings and Loan Massena Savings And Loan Branch	3.18%	$1,000	-	Learn More Add Review
Rate History: 4.90% → 4.90% → 3.87% → 3.49% → 3.18%
Peak Bank, a division of Idaho First Bank	3.14%	$500	-	Learn More Add Review
Gary Smith \| 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
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 3.50% → 4.00% → 3.50% → 3.00%
LenaL \| 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 Reviews (33)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
Empire State Bank Empire State Bank Branch	3.00%	$1,000	-	Learn More
Rate History: 0.50% → 0.60% → 0.50% → 1.60% → 3.00%
Papa \| Jul 31, 2020 Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More Reviews (1)
Apple Bank for Savings Sag Harbor Branch	3.00%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.00%
Sunnyside Federal Savings and Loan Association of Irvington Sunnyside Federal Savings And Loan A Branch	3.00%	$500	-	Learn More Add Review
Hanover Community Bank Hanover Community Bank Branch	3.00%	$500	-	Learn More
Douglas H \| Feb 5, 2020 The employees of this bank are helpful but the bank's systems and procedures for obtaining your account information STINK. If you want a bank that provides you quarterly (or even annual) statements by mai... Read More Reviews (2)
Habib American Bank Habib American Bank Branch	3.00%	$1,500	-	Learn More
Rate History: 2.00% → 3.00%
Ryan \| 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 Reviews (2)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 18 months interest. Rate History: 3.50% → 3.00% → 2.60% → 3.00%
Ponce Bank Riverdale Branch	2.95%	$1,000	-	Learn More Add Review
Rate History: 2.80% → 2.95%
Tompkins Community Bank Cornell Campus Store Branch	2.90% 1.00%	$1,000 $1,001	-	Learn More Add Review
Rate History: 1.00% → 2.90%
Citizens	2.85%	$5,000	-	Learn More Add Review
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
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	2.85%	$0	-	Learn More
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
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
Rising Bank, a division of Midwest BankCentre	2.70%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 2.70%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Clear Sky Accounts	2.65%	$1,000	-	Learn More Add Review
Rate History: 1.00% → 2.75% → 2.65%
ruler009 \| May 26, 2017 Before009 Read More
Dollar Savings Direct, a division of Emigrant Bank	2.50%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 3.50% → 3.00% → 2.50%
J Dally \| 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
Solvay Bank Cicero Branch	2.50%	$500	-	Learn More Add Review
Rate History: 1.50% → 2.50%
My Savings Direct, a division of Emigrant Bank	2.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 5.00% → 4.00% → 3.00% → 2.25%
not perfect but \| 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
Genesee Regional Bank Genesee Regional Bank Branch	2.25%	$500	-	Learn More Add Review
Rate History: 1.26% → 2.25%
Salem Five Direct	2.00%	$10,000	-	Learn More Add Review
LarryMass \| 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
Northfield Bank Bay Ridge Branch	2.00%	$0	-	Learn More Add Review
New Millennium Bank Bayside Branch	2.00%	$500	-	Learn More Add Review
Rate History: 4.00% → 2.00% → 2.50% → 3.50% → 2.00%
Citibank, National Association Lakeland Branch	2.00%	$0	-	Learn More
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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 1.98% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association U Of R River Campus Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
PCB Bank Bayside Office Branch	1.77%	$1,000	-	Learn More Add Review
International Bank of Chicago Port Jervis New York Branch	1.75%	$1,000	-	Learn More
Rate History: 2.00% → 1.75%
Mandy \| May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More Reviews (5)
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
Hingham Savings	1.70%	$1,000	-	Learn More Add Review
City National Bank 400 Park Branch	1.66%	$10,000	-	Learn More Add Review
Rate History: 2.02% → 1.66%
First National Bank of Scotia Guilderland-Westmere Branch	1.65%	$500	-	Learn More
Rate History: 0.69% → 0.72% → 0.97% → 1.03% → 1.65%
Zflash4000 \| Oct 1, 2017 Will play games with your account. changing posting dates and times. Will hold direct deposit so you overdraft your account. Read More Reviews (1)
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
RYAN S \| 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 Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Woodforest National Bank 8034 Village Of Newark New York Walm Branch	1.40%	$500	-	Learn More
Rate History: 1.00% → 1.40% → 2.25% → 1.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
USAA Federal Savings Bank	1.30%	$1,000	-	Learn More Add Review
Rate History: 2.75% → 2.55% → 1.30%
Azblondie007 \| 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
Champlain National Bank Champlain National Bank Branch	1.26%	$500	-	Learn More Add Review
Rate History: 1.25% → 1.26%
Ulster Savings Bank Poughkeepsie Branch	1.12%	$10,000	-	Learn More Add Review
Rhinebeck Bank Internet Branch	1.05%	$10,000	-	Learn More
Customer 12603 \| Nov 26, 2018 This is a terrible bank. The employees are rude and do not care. The auto lender ratio is very high, which could affect their bottom number. Don’t use this bank, there are other stable banks in the area ... Read More Reviews (1)
Wallkill Valley Federal Savings and Loan Association Highland Falls Branch	1.01%	$1,000	-	Learn More Add Review
The Delaware National Bank of Delhi Margaretville Branch	1.00%	$10,000	-	Learn More Add Review
Rondout Savings Bank Rondout Savings Bank Branch	1.00%	$10,000	-	Learn More
pessy \| May 22, 2023 The Bank Rondout Savings Bank is SCAM and bad company This is horrible bank , the loans insisted that I must come in the office before they will review my application for loan. But Everything is done onli... Read More Reviews (2)
The Putnam County National Bank of Carmel Putnam Lake Office Branch	1.00%	$10,000	-	Learn More Add Review
TrustCo Bank Stuyvesant Plaza Branch	0.99%	$500	-	Learn More
Rate History: 0.10% → 1.50% → 0.99%
Mark Fitzpatrick \| 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 Reviews (1)
Metropolitan Commercial Bank New York Branch	0.90%	$10,000	-	Learn More Add Review
Bank5 Connect	0.85%	$500	-	Learn More Add Review
BW \| 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
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
Walden Savings Bank Florida Branch	0.85%	$10,000	-	Learn More Add Review
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	0.80%	$10,000	-	Learn More Add Review
The First National Bank of Groton Moravia Branch	0.75%	$100,000	-	Learn More Add Review
BNB Bank Melville Branch	0.75%	$10,000	-	Learn More Add Review
Maple City Savings Bank, FSB Maple City Savings Bank, Fsb Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Security Bank and Trust Company West Side Branch	0.75%	$1,000	-	Learn More Add Review
Rate History: 0.35% → 0.75%
Carver Federal Savings Bank Flatbush Branch	0.75%	$10,000	-	Learn More Add Review
Alma Bank Bayside Branch	0.75%	$10,000	-	Learn More Add Review
Provident Bank	0.75%	$10,000	-	Learn More
Abraham Farber \| 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 Reviews (1)
Pioneer Bank Malta Branch	0.70%	$10,000	-	Learn More Add Review
First Citizens Community Bank Wellsville Branch	0.70%	$100,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	0.70%	$100,000	-	Learn More Add Review
The First National Bank of Groton Moravia Branch	0.65%	$1,000	-	Learn More Add Review
NBT Bank, National Association Cortland Walmart Branch	0.65%	$10,000	-	Learn More Add Review
PCSB Bank Eastchester Branch	0.65%	$10,000	-	Learn More Add Review
The First National Bank of Dryden Cortland Branch	0.65%	$10,000	-	Learn More
Robert Wilson \| Sep 13, 2018 I was going to open an account, but turned around and walked out when they told me it will take 90 Days to get my Debit Card? Really? 90 Days?? NO THANKS. I went to their Competitor!!! Read More Reviews (1)
Tioga State Bank Owego Fifth Avenue Branch	0.65%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Hornell Branch	0.65%	$100,000	-	Learn More Add Review
Jeff Bank Jeff Bank Branch	0.65%	$100,000	-	Learn More Add Review
NorthEast Community Bank 590 East 187th Street Branch	0.65%	$1,000	-	Learn More Add Review
Global Bank Global Bank Branch	0.65%	$10,000	-	Learn More Add Review
CNB Bank Electric Tower Branch	0.61%	$10,000	-	Learn More Add Review
Ballston Spa National Bank Wilton Office Branch	0.60%	$500	-	Learn More Add Review
Wayne Bank Roxbury Branch	0.60%	$10,000	-	Learn More
MoonShadows Farm \| Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More Reviews (1)
The Bank of Greene County Tannersville Branch	0.60%	$10,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.60%	$100,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	0.60%	$10,000	-	Learn More Add Review
Kearny Bank Brooklyn Branch	0.55%	$500	-	Learn More Add Review
Jeff Bank Jeff Bank Branch	0.55%	$1,000	-	Learn More Add Review
Bank of Millbrook Amenia Branch	0.55%	$10,000	-	Learn More Add Review
Abacus Federal Savings Bank Abacus Federal Savings Bank Branch	0.55%	$1,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.55%	$10,000	-	Learn More Add Review
The Upstate National Bank Rochester Branch	0.50%	$100,000	-	Learn More Add Review
Gouverneur Savings and Loan Association Gouverneur Savings And Loan Associat Branch	0.50%	$10,000	-	Learn More Add Review
Carthage Federal Savings and Loan Association Clayton Branch	0.50%	$10,000	-	Learn More Add Review
Berkshire Bank Municipal Bank Br Branch	0.50%	$10,000	-	Learn More
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 Reviews (2)
Pathfinder Bank Oswego Plaza Branch	0.50%	$10,000	-	Learn More Add Review
The Adirondack Trust Company Malta Branch	0.50%	$10,000	-	Learn More
jennifer \| May 30, 2020 Terrible bank. Very rude to their customers and treat you as if you are unimportant. I started a new job and my direct deposit did not go into effect yet. I deposited my paycheck 3 weeks in a row and on th... Read More Reviews (2)
The Lyons National Bank Ontario Branch	0.50%	$10,000	-	Learn More
william bridson \| Apr 5, 2024 need to deposit loose change Read More Reviews (1)
First Citizens Community Bank Wellsville Branch	0.50%	$10,000	-	Learn More Add Review
Watertown Savings Bank Alexandria Bay Branch	0.46%	$10,000	-	Learn More Add Review
Royal Business Bank	0.45%	$10,000	-	Learn More Add Review
Five Star Bank Henrietta Branch	0.45%	$500	-	Learn More
Delores Thompson, FD Investments - Rochester, NY \| Aug 1, 2016 Currently looking for a list of non- performing loans on properties in the Western, New York area. Not sure where to obtain this information from Five Star, but if you would forward this request to the cor... Read More Reviews (1)
Alden State Bank Lancaster Branch	0.45%	$500	-	Learn More Add Review
Generations Bank Phelps Branch	0.45%	$10,000	-	Learn More
Osvaldo \| Apr 27, 2018 Best Rates and service in the area!!! Read More Reviews (1)
Savannah Bank National Association Fair Haven Branch	0.45%	$10,000	-	Learn More Add Review
Chemung Canal Trust Company Seneca Falls Branch	0.45%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Hornell Branch	0.45%	$10,000	-	Learn More Add Review
Lake Shore Savings Bank East Amherst Branch	0.40%	$500	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$1,000	-	Learn More Add Review
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
Cathay Bank Elmhurst Branch	0.40%	$50,000	-	Learn More Add Review
Adirondack Bank Holland Patent Branch	0.40%	$1,000	-	Learn More
Ed \| Jan 5, 2018 BEWARE of their Home Equity Loan practices. Towards the end of the process, after you've complied with all their requests and are on the hook for lots of fees if you cancel, they demand that all of your cr... Read More Reviews (1)
Glens Falls National Bank and Trust Company Ticonderoga Drive-In Branch	0.40%	$10,000	-	Learn More Add Review
Fulton Savings Bank Village Green Branch	0.40%	$500	-	Learn More Add Review
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.40%	$100,000	-	Learn More Add Review
Orange Bank &Trust Company Chester Branch	0.40%	$10,000	-	Learn More
sbrown2@frontiernet.net \| Jul 7, 2016 I first dealt with Mrs. Bosch at OCTC in 1975. You will not find a bank who will treat you with the respect and truthfulness a customer deserves. Read More Reviews (1)
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.35%	$10,000	-	Learn More Add Review
Webster Bank, National Association Yonkers Branch	0.35%	$10,000	-	Learn More Add Review
KEB Hana Bank USA, National Association Fifth Avenue Branch	0.35%	$10,000	-	Learn More Add Review
Metro City Bank Bayside Branch	0.33%	$1,000	-	Learn More
thedon \| 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 Reviews (1)
Seneca Savings Seneca Savings Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
WebBank	0.25%	$2,500	-	Learn More
Rate History: 2.75% → 0.25%
dbestway@gmail.com \| 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 Reviews (2)
Northwest Bank Northwest Bank Branch	0.25%	$10,000	-	Learn More Add Review
Cattaraugus County Bank Fairmount Avenue Branch	0.25%	$10,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
The Berkshire Bank Harriman Branch	0.25%	$10,000	-	Learn More Add Review
Shinhan Bank America Shinhan Bank America Branch	0.25%	$10,000	-	Learn More
Lori Kroko \| 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 Reviews (1)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
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
The North Country Savings Bank Greene And Caroline Streets Branch	0.20%	$500	-	Learn More Add Review
OceanFirst Bank, National Association	0.20%	$500	-	Learn More Add Review
Community Bank, National Association Hamilton Branch	0.20%	$100,000	-	Learn More Add Review
Community Bank, National Association Hamilton Branch	0.15%	$10,000	-	Learn More Add Review
East West Bank 77 Bowery Branch	0.15%	$10,000	-	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
Alpine Capital Bank Alpine Capital Bank Branch	0.15%	$100,000	-	Learn More Add Review
TD Bank, National Association Latham Branch	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
U.S. Bank National Association	0.10%	$500	-	Learn More
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 Reviews (2)
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
BankUnited, National Association Avenue Of The Americas Branch	0.10%	$1,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.05%	$500	-	Learn More Add Review
KeyBank National Association Keybank National Association Branch	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| 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 Reviews (2)
Cattaraugus County Bank Fairmount Avenue Branch	0.05%	$100,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
PNC Bank, National Association 11 Penn Plaza Branch	0.03%	$25,000	-	Learn More
GAM \| 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 Reviews (1)
Bank of America, National Association Goldens Bridge Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)

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
Bank of Utica Bank Of Utica Branch	222 Genesee Street	Utica	NY
Popular Bank Seneca Avenue Branch	918 Seneca Avenue	Ridgewood	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
State Bank of India State Bank Of India Branch	460 Park Avenue	New York	NY
Spring Bank Bronx Branch - Main Headquarters	69 East 167th Street	Bronx	NY
LendingClub Lakeville Rd Branch	2020 Lakeville Rd	New Hyde Park	NY
Capital One, National Association Penn Plaza Branch	One Penn Plaza	New York	NY
Flushing Bank 7102 3rd Avenue Branch	7102 3rd Avenue	Brooklyn	NY
First Central Savings Bank Main Street Branch	72-76 Main Street	Flushing	NY
Maspeth Federal Savings and Loan Association 801 Jericho Turnpike Branch	801 Jericho Turnpike	New Hyde Park	NY
Cross County Savings Bank Eliot Branch	80-10 Eliot Avenue	Middle Village	NY
Bank of Hope Flushing-Crocheron Branch	162-05 Crocheron Ave	Flushing	NY
Ridgewood Savings Bank Bay Ridge Branch	8522 Third Avenue	Brooklyn	NY
Finworth, a division of InsBank New York Branch	1 Rockefeller Plaza	New York	NY
Customers Bank Ryebrook Branch	102 South Ridge Street	Rye Brook	NY
Quontic Bank Quontic Bank Branch	31-05 Broadway	Astoria	NY
Citizens Clifton Park Branch	One Municipal Plaza	Clifton Park	NY
Amalgamated Bank Morris Heights Branch	94 Burnside Avenue	Bronx	NY
Massena Savings and Loan Massena Savings And Loan Branch	255 Main Street	Massena	NY
Empire State Bank Empire State Bank Branch	68 North Plank Road	Newburgh	NY
Apple Bank Sag Harbor Branch	138 Main Street	Sag Harbor	NY
Sunnyside Federal Savings and Loan Association of Irvington Sunnyside Federal Savings And Loan A Branch	56 Main St	Irvington	NY
Hanover Community Bank Hanover Community Bank Branch	2131 Jericho Turnpike	Garden City Park	NY
Habib American Bank Habib American Bank Branch	99 Madison Avenue	New York	NY
Ponce Bank Riverdale Branch	5560 Broadway	Bronx	NY
Tompkins Community Bank Cornell Campus Store Branch	Central Avenue	Ithaca	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
Solvay Bank Cicero Branch	7895 Brewerton Road	Cicero	NY
Genesee Regional Bank Genesee Regional Bank Branch	1850 South Winton Rd	Rochester	NY
Northfield Bank Bay Ridge Branch	8512 Third Avenue	Brooklyn	NY
New Millennium Bank Bayside Branch	209-35 Northern Boulevard	Bayside	NY
Citibank, National Association Lakeland Branch	3131 East Main Street	Mohegan Lake	NY
JPMorgan Chase Bank, National Association U Of R River Campus Branch	500 Joseph C Wilson Boulevard	Rochester	NY
PCB Bank Bayside Office Branch	220-34 And 220-36 Northern Blvd	Bayside	NY
International Bank of Chicago Port Jervis New York Branch	2 West Main Street	Port Jervis	NY
City National Bank 400 Park Branch	400 Park Avenue	New York	NY
First National Bank of Scotia Guilderland-Westmere Branch	8 Karner Road	Guilderland	NY
Woodforest National Bank 8034 Village Of Newark New York Walm Branch	6788 Rt 31 East	Newark	NY
Champlain National Bank Champlain National Bank Branch	7558 Us Route 9	Elizabethtown	NY
Ulster Savings Bank Poughkeepsie Branch	39 Burnett Blvd	Poughkeepsie	NY
Rhinebeck Bank Internet Branch	Jefferson Plaza, 2 Jefferson Street	Poughkeepsie	NY
Wallkill Valley Federal Savings and Loan Association Highland Falls Branch	252 Main Street	Highland Falls	NY
Tompkins Community Bank Cornell Campus Store Branch	Central Avenue	Ithaca	NY
The Delaware National Bank of Delhi Margaretville Branch	42568 Route 28	Margaretville	NY
Rondout Savings Bank Rondout Savings Bank Branch	300 Broadway	Kingston	NY
The Putnam County National Bank of Carmel Putnam Lake Office Branch	89 Haviland Drive	Patterson	NY
TrustCo Bank Stuyvesant Plaza Branch	Western Avenue At Fuller Road	Albany	NY
Metropolitan Commercial Bank New York Branch	99 Park Avenue	New York	NY
Walden Savings Bank Florida Branch	95 N Main St	Florida	NY
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	2208 West Genesee St	Syracuse	NY
The First National Bank of Groton Moravia Branch	41 South Main Street	Moravia	NY
Dime Community Bank Melville Branch	859 Walt Whitman Road	Melville	NY
Maple City Savings Bank, FSB Maple City Savings Bank, Fsb Branch	145 Main Street	Hornell	NY
Peoples Security Bank and Trust Company West Side Branch	275 Main St	Binghamton	NY
Carver Federal Savings Bank Flatbush Branch	833 Flatbush Avenue	Brooklyn	NY
Alma Bank Bayside Branch	Northern Boulevard	Bayside	NY
Pioneer Bank, National Association Malta Branch	10 Kendall Way	Malta	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	5714 8th Avenue (At 57th Street)	Brooklyn	NY
The First National Bank of Groton Moravia Branch	41 South Main Street	Moravia	NY
NBT Bank, National Association Cortland Walmart Branch	819 Bernie Road (Route 13)	Cortland	NY
PCSB Bank Eastchester Branch	478 White Plains Road	Eastchester	NY
The First National Bank of Dryden Cortland Branch	853 Route 13	Cortland	NY
Tioga State Bank National Association Owego Fifth Avenue Branch	923 State Route 17c	Owego	NY
Citizens & Northern Bank Hornell Branch	6250 County Route 64	Hornell	NY
Jeff Bank Jeff Bank Branch	85 Main Street	Bloomingburg	NY
NorthEast Community Bank 590 East 187th Street Branch	590 East 187th Street	Bronx	NY
Global Bank Global Bank Branch	8 Catherine Street	New York	NY
CNB Bank Electric Tower Branch	535 Washington Street, Suite 101	Buffalo	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
Wayne Bank Roxbury Branch	53898 State Highway 30	Roxbury	NY
The Bank of Greene County Tannersville Branch	6176 Main Street	Tannersville	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	5714 8th Avenue (At 57th Street)	Brooklyn	NY
Kearny Bank Brooklyn Branch	689 Fifth Ave	Brooklyn	NY
Jeff Bank Jeff Bank Branch	85 Main Street	Bloomingburg	NY
Bank of Millbrook Amenia Branch	5094 Route 22	Amenia	NY
Abacus Federal Savings Bank Abacus Federal Savings Bank Branch	6 Bowery	New York	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
The Upstate National Bank Rochester Branch	150 State Street, Third Floor	Rochester	NY
Gouverneur Savings and Loan Association Gouverneur Savings And Loan Associat Branch	42 Church Street	Gouverneur	NY
Carthage Savings and Loan, National Association Clayton Branch	325 State Street	Clayton	NY
Berkshire Bank Municipal Bank Br Branch	41 State Street	Albany	NY
Pathfinder Bank Oswego Plaza Branch	291 State Route 104 East	Oswego	NY
The Adirondack Trust Company Malta Branch	Route 9	Malta	NY
The Lyons National Bank Ontario Branch	6280 Furnace Road, Suite 200	Ontario	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
Watertown Savings Bank Alexandria Bay Branch	4 Market Street	Alexandria Bay	NY
Five Star Bank Henrietta Branch	765 Calkins Road	Rochester	NY
Alden State Bank Lancaster Branch	5802 Broadway	Lancaster	NY
Generations Bank Phelps Branch	89 Main Street	Phelps	NY
Savannah Bank National Association Fair Haven Branch	563 Main Street	Fair Haven	NY
Chemung Canal Trust Company Seneca Falls Branch	54 Fall Street	Seneca Falls	NY
Citizens & Northern Bank Hornell Branch	6250 County Route 64	Hornell	NY
Lake Shore Savings Bank East Amherst Branch	5751 Transit Road	East Amherst	NY
Cathay Bank Elmhurst Branch	82-62 Broadway	New York City	NY
Adirondack Bank Holland Patent Branch	9576 Main Street	Holland Patent	NY
Arrow Bank National Association Ticonderoga Drive-In Branch	Wicker Street	Ticonderoga	NY
Fulton Savings Bank Village Green Branch	State Fair And Village Blvds. South	Van Buren Township	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
Orange Bank & Trust Company Chester Branch	91 Brookside Avenue	Chester	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
Webster Bank, National Association Yonkers Branch	760 Mclean Ave	Yonkers	NY
Hana Bank USA, National Association Fifth Avenue Branch	309 5th Avenue	New York	NY
Metro City Bank Bayside Branch	212-45 Northern Boulevard	Bayside	NY
Bank of Hope Flushing-Crocheron Branch	162-05 Crocheron Ave	Flushing	NY
Seneca Savings Seneca Savings Branch	35 Oswego St	Baldwinsville	NY
Northwest Bank Northwest Bank Branch	Eastern Hills Mall, 4545 Transit Road	Williamsville	NY
Cattaraugus County Bank Fairmount Avenue Branch	870 Fairmount Avenue	Jamestown	NY
The Berkshire Bank Harriman Branch	80 Route 17m	Harriman	NY
Shinhan Bank America Shinhan Bank America Branch	330 Fifth Avenue, 4th Floor	New York	NY
The North Country Savings Bank Greene And Caroline Streets Branch	Greene And Caroline Streets	Ogdensburg	NY
Community Bank, National Association Hamilton Branch	35 Broad Street	Hamilton	NY
Community Bank, National Association Hamilton Branch	35 Broad Street	Hamilton	NY
East West Bank 77 Bowery Branch	77 Bowery	New York	NY
Alpine Capital Bank Alpine Capital Bank Branch	680 Fifth Avenue, 7th Floor	New York	NY
TD Bank, National Association Latham Branch	One Old Loudon Road	Latham	NY
BankUnited, National Association Avenue Of The Americas Branch	960 6th Avenue Of The Americas	New York	NY
KeyBank National Association Keybank National Association Branch	155 Wolf Road	Albany	NY
Cattaraugus County Bank Fairmount Avenue Branch	870 Fairmount Avenue	Jamestown	NY
PNC Bank, National Association 11 Penn Plaza Branch	Seventh Avenue And West 31st Street	New York	NY
Bank of America, National Association Goldens Bridge Branch	Route 22	Goldens Bridge	NY

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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.

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Branches Info around zip 10007

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

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