bank rates

Race To The Top In 3-Year CD Rates

Four banks share the top rate of 2.00% APYThere’s a four-way tie at the top of the CD Rates Leaderboard for 36-month certificates of deposit.

Pennsylvania-based Quaint Oak Bank today raised its CD rates, placing it in a tie at 2.00% APY for the best nationally available 36-month deal.

Quaint Oak boosted its rates by two-tenths of a percentage point.

That’s a quarter of a point off of the bank’s high from two months ago, but good enough to match Country Bank, Danversbank and NOVA Bank.

Here are the rest of the banks offering the best nationally available CD rates:

3-Month CDs Nexity Bank 0.81% APY $1,000
6-Month CDs Nexity Bank 1.12% APY $1,000
12-Month CDs Doral Bank Direct 1.40% APY $1,000
24-Month CDs MetLife Bank 1.55% APY $25,000
36-Month CDs Country Bank 2.00% APY $500
Danversbank 2.00% APY $500
NOVA Bank 2.00% APY $500
Quaint Oak 2.00% APY $500
60-Month CDs Sovereign Bank 2.80% APY $500

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

Only banks qualify for our rankings, and they must sell their certificates of deposit online or through the mail to savers nationwide, and be FDIC insured.

The banks on today’s Leaderboard are:

  • Nexity Bank (, an online bank based in Birmingham, Ala.
  • Doral Bank Direct (, the online operation of the leading community bank in Puerto Rico.
  • Country Bank (, which has 14 branches in central Massachusetts.
  • Danversbank (, which has more than 30 branches in the Boston area.
  • NOVA Bank (, which has a dozen branches in the Philadelphia area.
  • Sovereign Bank (, which is owned by Spanish financial giant Santander and has 700 branches in the northeast.
  • Quaint Oak Bank (, which has a single office in Southampton, Pa., a suburb of Philadelphia.

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