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You are viewing rates from banks across Bonham
Below are three-year CD Rates from banks in Bonham, Texas. 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.
Bonham, TX - July 16, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
2.00% |
$10,000 |
22.36 |
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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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|
1.15% |
$100,000 |
12.38 |
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|
|
1.10% |
$10,000 |
12.38 |
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|
|
1.10% |
$10,000 |
0.59 |
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|
|
|
0.90% |
$10,000 |
16.62 |
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rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
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0.85% |
$1,000 |
- |
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|
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0.80% |
$10,000 |
13.44 |
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0.65% |
$1,000 |
0.44 |
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|
|
|
0.60% |
$1,000 |
15.87 |
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0.60% |
$10,000 |
16.62 |
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|
|
|
rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
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|
0.50% |
$10,000 |
19.99 |
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|
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|
0.20% |
$10,000 |
14.47 |
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|
|
| Branch | Street | City | State |
|---|---|---|---|
|
JPMorgan Chase Bank, National Association Drive-In Branch |
312 West Woodard | Denison | TX |
|
Cendera Bank, National Association North Branch |
1105 North Ole Ambrose Road | Bells | TX |
|
Cendera Bank, National Association North Branch |
1105 North Ole Ambrose Road | Bells | TX |
|
Fannin Bank Fannin Bank Branch |
230 East 3rd Street | Bonham | TX |
|
The First National Bank of Tom Bean The First National Bank Of Tom Bean Branch |
109 S Britton St | Tom Bean | TX |
|
CapTex Bank The First National Bank Of Trenton Branch |
106 Hamilton Square | Trenton | TX |
|
Legend Bank, N.A. Bonham Branch |
502 North Center Street | Bonham | TX |
|
Alliance Bank Wolfe City Office Branch |
101 East Main | Wolfe City | TX |
|
The First National Bank of Tom Bean The First National Bank Of Tom Bean Branch |
109 S Britton St | Tom Bean | TX |
|
The First Bank of Celeste The First Bank Of Celeste Branch |
301 N. Hwy 69 | Celeste | TX |
|
First United Bank and Trust Company Leonard Branch |
200 W Collins Street | Leonard | TX |
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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