Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Princeton
Below are three-year CD Rates from banks in Princeton, 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.
Princeton, NJ - July 5, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.50% |
$0 |
5.80 |
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 |
||||
|
3.35% 0.30% |
$250,000 $1,000 |
16.76 |
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 |
||||
|
3.25% |
$500 |
8.80 |
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 |
||||
|
3.00% |
$1,500 |
22.37 |
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 |
||||
|
2.00% |
$0 |
22.61 |
Learn More
|
|
|
2.00% |
$500 |
14.24 |
Learn More
|
|
|
Rate History: 4.00% → 2.00% → 2.50% → 3.50% → 2.00% |
||||
|
2.00% |
$10,000 |
16.71 |
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 |
||||
|
0.85% |
$1,000 |
- |
Learn More
|
|
|
0.85% |
$10,000 |
10.43 |
Learn More
|
|
|
SAM | 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 |
23.55 |
Learn More
|
|
|
CF | Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More |
||||
|
0.75% |
$10,000 |
16.28 |
Learn More
|
|
|
0.75% |
$10,000 |
7.60 |
Learn More
|
|
|
Margaret | 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 |
23.51 |
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 |
||||
|
0.60% |
$100,000 |
18.88 |
Learn More
|
|
|
0.55% |
$500 |
12.72 |
Learn More
|
|
|
0.55% |
$1,000 |
17.45 |
Learn More
|
|
|
0.55% |
$10,000 |
18.88 |
Learn More
|
|
|
0.50% |
$10,000 |
8.58 |
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 |
||||
|
0.50% |
$10,000 |
14.98 |
Learn More
|
|
|
DN | 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 |
7.23 |
Learn More
|
|
|
0.50% |
$10,000 |
22.96 |
Learn More
|
|
|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
||||
|
0.45% |
$10,000 |
18.39 |
Learn More
|
|
|
silly | Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More |
||||
|
0.40% |
$50,000 |
16.79 |
Learn More
|
|
|
0.40% |
$500 |
15.74 |
Learn More
|
|
|
Donna | 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 |
||||
|
0.25% |
$10,000 |
19.60 |
Learn More
|
|
|
0.20% |
$500 |
14.90 |
Learn More
|
|
|
0.03% |
$100,000 |
15.67 |
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 |
||||
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates