bank rates

Top 36-Month CD Rates Hold At 2.60% APY

Alliance Bank continues to offer the best 36-month CD rates.

This community bank with 27 branches in central New York, is paying 2.60% APY with a $1,000 minimum deposit.

Alliance Bank, which has 27 branches in central New York, pays 2.60% APY with a $1,000 minimum deposit. Alliance has led our rankings since early March, with the exception of a couple of weeks in late May and early June when Broadway Bank in Los Angeles offered a short-lived 36-month special at 2.79% APY.

Although these CD rates are pathetically low when compared to the top rate of 3.27% APY Tennessee Commerce Bank was offering this time last year, they are more than a point higher than the national average of 1.45% APY.

The next best nationally available rates on 3-year certificates of deposit are:

2.52% APY with a $5,000 minimum deposit from Melrose Credit Union, which has a single office in New York and offers membership to all U.S. residents.

2.50% APY with a $2,500 minimum deposit from Tennessee Commerce Bank, which has a single branch in Franklin, Tenn. It no longer posts rates on its Web site. You must call (877) 684-2265.

2.40% with a $500 minimum deposit from Acacia Federal Savings Bank, an online subsidiary of the Acacia Life Insurance Company in Falls Church, Va.

2.40% APY with no minimum deposit from Sallie Mae Bank, an online bank owned by the big student loan lender.

Compare these returns with the best CD rates from scores of other banks in our extensive database.

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