Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Ringwood
Below are three-year CD Rates from banks in Ringwood, 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.
Ringwood, NJ - July 16, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.95% |
$1,000 |
22.72 |
Learn More
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Rate History: 3.80% → 4.20% → 4.10% → 3.95% |
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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 |
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3.85% |
$500 |
17.30 |
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Rate History: 0.30% → 1.80% → 4.50% → 4.55% → 3.85% |
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3.50% |
$0 |
20.97 |
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Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50% |
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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 |
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3.35% 0.30% |
$250,000 $1,000 |
22.12 |
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Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35% |
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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 |
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3.10% |
$500 |
19.81 |
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Rate History: 2.00% → 4.25% → 3.10% |
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Zman111 | 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 |
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2.00% |
$500 |
22.89 |
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Rate History: 4.00% → 2.00% → 2.50% → 3.50% → 2.00% |
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2.00% |
$10,000 |
20.08 |
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.77% |
$1,000 |
23.03 |
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1.50% |
$500 |
6.77 |
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Rate History: 0.10% → 1.50% |
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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 |
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0.85% |
$1,000 |
- |
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0.80% |
$10,000 |
22.46 |
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0.75% |
$10,000 |
16.58 |
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0.75% |
$1,000 |
18.72 |
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0.70% |
$10,000 |
24.90 |
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0.55% |
$500 |
13.68 |
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0.50% |
$1,000 |
20.13 |
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Rate History: 0.65% → 0.50% → 4.25% → 0.50% |
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Customer18 | 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 |
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0.45% |
$10,000 |
6.19 |
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silly | Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More |
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0.45% |
$10,000 |
24.62 |
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0.35% |
$10,000 |
22.15 |
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0.25% |
$10,000 |
24.99 |
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0.25% |
$10,000 |
22.05 |
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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 |
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0.25% |
$10,000 |
19.44 |
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0.15% |
$10,000 |
17.05 |
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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% |
$25,000 |
20.15 |
Learn More
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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 |
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0.03% |
$100,000 |
20.19 |
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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