bank rates

3-Year CD Rates Roundup: Earn 2.10% Nationally

The top return among national 3-year CDs has been moving up lately. In fact, rates on 3-year CDs are around a quarter of a percentage point higher than they were at this time last year.

Now you can earn 2.10% APY from KS StateBank with a $500 minimum.

But while there are several nationally-available deals worth a look, the case is as strong as ever for mid-term CD shoppers to capitalize on chart-topping rates from the country’s best-paying credit unions and community banks.

Indeed, we’ll tell you where to find local deals that beat the national leader.

The top nationally available 3-year CD rates

You’ll find three other banks offering rates of 2.00% or better.

Popular Direct is paying 2.05% with a $10,000 minimum. Everbank requires a $5,000 minimum to earn 2.01% APY. And GS Bank is paying 2.00% APY with a $5,000 minimum.

Of course, before you settle on a bank, it’s important to compare the best rates of the day.

To find the best CD rates on any given day, search Bankrate’s extensive database.

Top National 3-Year CD Rates

Bank Yield Minimum Deposit
KS StateBank 2.10% $500
Popular Direct 2.05% $10,000
Everbank 2.01% $5,000
GS Bank 2.00% $500
Barclays Bank 1.95% No minimum
First Internet Bank of Indiana 1.94% $1,000
Sallie Mae 1.90% $2,500
BAC Florida Bank 1.90% $1,500
Bank of Baroda 1.90% $1,000
State Bank of India – New York 1.86% $5,000
State Bank of India – Chicago 1.85% $2,500
Synchrony Bank 1.80% $2,000
Live Oak Bank 1.80% $2,500
Discover Bank 1.76% $2,500
Capital One 360 1.75% $0
Ally Bank 1.60% $25,000

Earning more with local deals

Of course, credit unions and community banks often pay the very best CD rates in the country. The best deals currently fall below the top paying national deals. You can earn 2.01% APY from VITAL Federal Credit Union.

But it’s still worth looking at credit unions and local deals for the best rates.

Most only accept deposits from savers who live or work nearby, or are willing to jump through a hoop to become a member. But it is possible to find credit unions and local banks offering nationwide deals.

Top Local 3-Year CD Rates

Bank State APY Min Deposit
VITAL Federal Credit Union South Carolina 2.01% $500
Potlatch No. 1 Federal Credit Union Idaho, Washington 1.96% $500
Gulf Coast Federal Credit Union Texas 1.95% $500
North Platte Union Pacific Employees Credit Union Nebraska 1.76% $500
NavyArmy Community Credit Union Texas 1.70% $1,000


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