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You are viewing rates from banks across Flower Mound
Below are three-year CD Rates from banks in Flower Mound, 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.
Flower Mound, TX - August 1, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 365 days interest. |
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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 |
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4.00% |
$25,000 |
- |
Learn More
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Rate History: 3.56% → 4.16% → 4.00% |
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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 |
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3.95% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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3.90% |
$1,000 |
20.98 |
Learn More
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3.75% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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3.50% |
$500 |
- |
Learn More
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Rate History: 2.75% → 2.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.50% |
$0 |
22.16 |
Learn More
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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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3.45% |
$1,000 |
15.06 |
Learn More
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Rate History: 4.00% → 3.90% → 3.85% → 3.45% |
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3.44% |
$10,000 |
19.25 |
Learn More
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Rate History: 4.55% → 3.44% |
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Ange | Aug 20, 2019 Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More |
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3.40% |
$2,500 |
- |
Learn More
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Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40% |
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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 |
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3.35% 0.30% |
$250,000 $1,000 |
14.87 |
Learn More
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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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3.35% |
$500 |
17.33 |
Learn More
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Rate History: 4.07% → 3.71% → 3.51% → 3.35% |
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3.35% 3.30% |
$100,000 $500 |
15.41 |
Learn More
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3.30% |
$50,000 |
9.61 |
Learn More
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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 |
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3.29% |
$500 |
23.32 |
Learn More
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2.85% |
$5,000 |
- |
Learn More
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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 |
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2.75% |
$0 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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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 |
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2.53% |
$1,000 |
9.09 |
Learn More
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
12.69 |
Learn More
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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 |
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1.40% |
$500 |
22.59 |
Learn More
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Rate History: 1.00% → 1.40% → 2.25% → 1.40% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.35% |
$10,000 |
15.50 |
Learn More
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1.21% |
$10,000 |
15.63 |
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1.16% |
$10,000 |
14.77 |
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1.11% |
$10,000 |
15.00 |
Learn More
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Randall Stewart | Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More |
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1.10% |
$10,000 |
23.23 |
Learn More
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1.05% |
$1,000 |
19.09 |
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1.00% |
$10,000 |
17.16 |
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1.00% |
$10,000 |
13.32 |
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1.00% |
$10,000 |
12.32 |
Learn More
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Rhepler | Aug 4, 2022 Great CD rates & service Read More |
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0.95% |
$10,000 |
5.94 |
Learn More
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0.95% |
$100,000 |
14.74 |
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0.93% |
$100,000 |
17.61 |
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0.90% |
$1,000 |
16.55 |
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0.90% |
$100,000 |
21.81 |
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0.85% |
$1,000 |
- |
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0.85% |
$10,000 |
21.81 |
Learn More
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0.85% |
$10,000 |
14.74 |
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0.83% |
$10,000 |
17.61 |
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0.80% |
$10,000 |
3.16 |
Learn More
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0.75% |
$100,000 |
20.68 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.70% |
$100,000 |
15.46 |
Learn More
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0.70% |
$10,000 |
7.06 |
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0.70% |
$10,000 |
22.33 |
Learn More
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wello50 | Jul 1, 2021 What day of the month do you report to the credit bureaus Read More |
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0.65% |
$10,000 |
22.48 |
Learn More
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0.65% |
$1,000 |
16.05 |
Learn More
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0.65% |
$10,000 |
20.68 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.65% |
$100,000 |
19.43 |
Learn More
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.60% |
$100,000 |
21.86 |
Learn More
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0.60% |
$10,000 |
14.68 |
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0.60% |
$100,000 |
10.97 |
Learn More
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0.60% |
$10,000 |
15.52 |
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0.60% |
$10,000 |
22.31 |
Learn More
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0.55% |
$10,000 |
21.86 |
Learn More
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0.55% |
$10,000 |
10.97 |
Learn More
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0.55% |
$10,000 |
13.31 |
Learn More
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0.50% |
$10,000 |
20.20 |
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0.50% |
$10,000 |
15.25 |
Learn More
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elizabethcoker22@gmail.com | Mar 6, 2021 My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More |
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0.50% |
$10,000 |
24.52 |
Learn More
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Ernie Bramlett | Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More |
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0.50% |
$10,000 |
22.43 |
Learn More
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0.50% |
$10,000 |
11.09 |
Learn More
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0.50% |
$250 |
19.34 |
Learn More
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0.49% |
$10,000 |
19.43 |
Learn More
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.45% |
$10,000 |
15.46 |
Learn More
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0.45% |
$10,000 |
20.68 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.40% |
$1,000 |
- |
Learn More
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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 |
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0.40% |
$50,000 |
17.67 |
Learn More
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0.40% |
$100,000 |
23.18 |
Learn More
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0.35% |
$10,000 |
23.18 |
Learn More
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0.33% |
$1,000 |
22.98 |
Learn More
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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 |
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0.25% |
$10,000 |
- |
Learn More
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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 |
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0.25% |
$10,000 |
22.64 |
Learn More
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.25% |
$10,000 |
13.81 |
Learn More
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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 |
21.34 |
Learn More
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.20% |
$1,000 |
10.47 |
Learn More
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jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
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0.20% |
$10,000 |
17.49 |
Learn More
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0.15% |
$10,000 |
14.15 |
Learn More
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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 |
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0.10% |
$500 |
15.90 |
Learn More
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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 |
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0.05% 0.01% |
$2,501 $2,500 |
22.18 |
Learn More
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Rate History: 0.03% → 0.05% |
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0.05% |
$500 |
20.24 |
Learn More
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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0.03% |
$100,000 |
22.72 |
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.
Use or Change these Amounts And Rates