Best 3-year CD rates

Requirements

Product: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.

Offer: Automatic renewal

Requirements

Product: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.

Requirements

Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.

Requirements

Product: Flexible terms from 3 months to 5 years, with a minimum deposit of $1000.00. Dividends compound monthly or can be transferred to savings account monthly or at maturity.

Requirements

Product: Rates fixed for the term once opened. Dividends calculated on the daily balance and compounded monthly. Early withdrawal penalty may be imposed.

Requirements

Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.

Requirements

Product: Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.

Offer: Early withdrawal penalty is 180 days of dividends.

Requirements

Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.

Requirements

Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).

Requirements

Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.

Offer: Option 2 (3-rung ladder: 12, 24, 36 months) or Option 3 (5-rung ladder: 12, 24, 36, 48, 60 months). All certificates established with equal amounts.

Requirements

Product: Dividends compounded daily and paid monthly (added back to certificate, paid monthly by check, or deposited directly into Share Savings or Share Draft Account). Early withdrawals subject to penalty. Minimum deposits vary according to term lengths.

Offer: Renewal rate under Member Loyalty Program when allowing certificate to roll over with no changes.

Requirements

Product: Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.

Offer: Dividends posted monthly.

Requirements

Product: Variable term interest rates. Penalty may be imposed for early withdrawal. Terms from 21 to 57 months.

Offer: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.

Requirements

Product: Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.

Offer: Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements.

Requirements

Product: Membership eligibility required (family relationship, participating employer, or living/working/worshiping/attending school in underserved communities of Pittsburgh). Minimum deposit $500. Automatically renews upon maturity. No maintenance or set up fees.

Offer: Interest reinvests/compounds and credits quarterly. Daily balance method used. Early withdrawal penalty applies (120 days dividends). Automatically renews upon maturity.