bank rates

Top 36-Month CD Rates Dip To 2.75%

Until recently, the best 36-month CD rates have been less volatile than the returns on short-term certificates of deposit.

Until recently, the best 36-month CD rates have been less volatile than the returns on short-term certificates of deposit.

But not the past couple of weeks.

Just two weeks ago Hudson City Savings Bank offered 2.80% APY on its 36-month CD, then it dropped to 2.65%, and now it’s at 2.50%.

Bank United also slashed its 36-month rate to 2.50%APY, after a long run at 2.75%.

Fortunately, Alliance Bank, with 23 branches in central New York State, has continued to offer 2.75% APY, with a $1,000 minimum deposit since last year.

It now shares the top of our rankings with an identical offer from EBSBdirect, the online operation of East Boston Savings Bank, which has 13 locations in the Boston area.

The other leading, nationally available rates are:

2.65% APY with a $1,000 minimum deposit from Atlantic Coast Bank, which has 11 branches in Southeast Georgia and Northeast Florida.

2.52% APY with a $5,000 minimum deposit from the New York branch of the State Bank of India, with an office in New York City.

Use our database of CD rates to compare these rates with the best deals from scores of other banks.

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  1. DealMaven said:
    on March 23rd at 08:46 am

    It’s happened again. This morning Atlantic Coast Bank slashed its rate on the 36-month CD to 2.20% APY. Yet another piece of bad news for savers trying to earn a decent rate.