Intervest Tops 36-Month CD Rates

Intervest National Bank retains the top spot in our rankings of the best nationally-available 36-month CD rates by continuing to offer 2.90% APY.

Most savers can do a little better by purchasing a 3-year certificate of deposit for 3.00% APY from Flagstar Bank.

But if you live near one of the bank’s 180 branches in Michigan, Indiana or Georgia, you’ll be offered a good, but slightly lower 2.75% APY. (That’s why Flagstar can’t lead our rankings. Its best rate isn’t available to everyone.)

The best deals on 36-month CDs open to all savers are:

2.90% APY with a minimum deposit of $2,500 from Intervest National Bank, which has branches in New York and the Clearwater, Fla., area.

2.76% APY with a minimum deposit of $3,000 from newdominionDIRECT, an online bank based in Charlotte, N.C.

Three banks tied for third, with each offering 2.75% APY, are:

Ally Bank, an online bank owned by GMAC Financial Services. Ally has no minimum deposit.

Discover Bank, an online bank owned by Discover Card, which requires a $2,500 minimum deposit.

National Bank of Kansas City, with six locations in Missouri and Kansas, requires a $10,000 minimum deposit.

Click here to compare the best CD rates from dozens of other banks in our extensive database.