Acacia Federal 3.25% 36-Month CD

It looks like a little bank in Falls Church, Va., is now offering the best nationwide deal on a three-year certificate of deposit.

Acacia Federal Savings Bank is paying 3.25% APY with a minimum deposit of only $500.

This subsidiary of Acacia Life Insurance Co. opened in 1983 and has just one office, but it accepts deposits from anywhere in the country and customers can apply on-line.

When we surveyed the best 36-month CDs last month, GMAC Bank was offering the highest interest rate — 3.20% APY.

The State Bank of India trumped that for a couple of weeks with a 3.55% APY CD until the return was reduced to 3.24% on May 6.

These are the kind of deals you have to look for with the national average for 36-month CDs a paltry 1.77%.

Acacia Federal Savings is FDIC insured and has earned two of five stars in Bankrate’s Safe & Sound ratings.