bank rates

Banks That Buck Trend On 3-Year CD Rates

We've found five banks and credit unions that have kept 36-month rates unchangedJust because average 36-month CD rates have fallen since the beginning of the year doesn’t mean there aren’t some banks and credit unions ignoring the trend.

We’ve found five institutions whose local deals have remained unchanged in the face of the downward drag on interest rates.

These three banks and two credit unions, which all top the best nationally available deal on our CD Rates Leaderboard, have maintained their 36-month CD rates (or the nearest odd-term rates) since we highlighted their deals earlier this year:

EBSBdirect.com is paying 2.25% APY with a $1,000 minimum deposit. EBSMdirect.com is the online division of East Boston Savings Bank, but this deal can be purchased online only and is available to residents of Connecticut, Maine, Massachusetts, New Hampshire, New Jersey and Rhode Island.

Beacon Credit Union is paying 2.21% APY with a $10,000 minimum deposit on its special 34-month certificates of deposit. This deal is available to those who live or work in one of 18 Indiana counties.

Citadel Federal Credit Union is paying 2.30% with a $500 minimum deposit. This deal is available to those who live or work in one of five Pennsylvania counties.

First Commerce Bank is paying 2.20% APY with a $500 minimum deposit. This New Jersey bank offers its CDs to anyone, but you must purchase the CD in person at one of its two branches.

Cross River Bank is paying 2.50% with a $500 minimum deposit. This New Jersey bank offers its CDs to anyone, but you must purchase the CD in person at its one location.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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Comments (2)
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  1. Mike at Bankaholic said:
    on July 12th at 03:04 pm

    Cross River Bank has lowered its 36-month CD Rates to 2.25% APY, still better than the best nationally available deal, but no longer bucking the trend.

  2. Kathy at Bankaholic said:
    on July 25th at 10:09 am

    Citadel FCU’s 36-month rate has dropped to 2.00%.