3 Year CD Rates in New York
Compare 3 year certificate of deposit rates in New York. Rates on CD products can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of three year CD rates available in New York. If we have missed a local bank in your area please contact us and let us know by using the email link below
Showing nationwide and New York accounts based on a $10,000 deposit.
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Sea Comm CU | 3.13% | $1k | - | $969 | 3 Year CD | |
| Progressive Credit Union | 2.79% | - | - | $861 | 3 Year CD | |
| Self Reliance New York FCU | 2.75% | $500 | - | $848 | 36 Month Certificate | |
| Habib American Bank | 2.75% | $1,500 | - | $848 | 36 Month CD - Manhattan | |
| Melrose CU | 2.52% | $5k | - | $775 | 3 Year Share CD Certificates | |
| LOMTO Federal Credit Union | 2.50% | $2k | - | $769 | 36 Month CD | |
| Montauk Credit Union | 2.50% | - | - | $769 | 3 Year CD | |
| Acacia Federal Savings Bank | 2.40% | $500 | - | $737 | 36 Month CD | |
| Alliant CU | 2.40% | $1k | - | $737 | 36 - 47 Month Share CD | |
| Fort Knox FCU | 2.40% | $500 | - | $737 | 36 Month CD | |
| Sallie Mae Bank | 2.40% | - | - | $737 | 36-Month CD | |
| Kaiser Federal Bank | 2.40% | $1k | - | $737 | 36 - 59 Month CD | |
| UniWyo FCU | 2.37% | $250 | - | $751 | 37 Month CD Share Certificate | |
| Hudson Valley CU | 2.35% | $500 | - | $722 | 36 - 47 Month CD | |
| Liberty Bank | 2.30% | $500 | - | $706 | 3 Year CD | |
| American Bank N.A. | 2.30% | $10k | - | $706 | 36 Month Flex CD | |
| Ally Bank | 2.29% | - | - | $703 | High Yield 3 Year CD | |
| Bank of Internet USA | 2.28% | - | - | $700 | 36 to 47 months Personal CD | |
| Visions FCU | 2.28% | $500 | - | $581 | 2 1/2 Year - 41 Month CD | |
| Riverside Bank (NY) | 2.28% | $1k | - | $700 | 3 Year CD | |
| Discover Bank | 2.25% | $2,500 | - | $690 | 3 Year CD | |
| Pentagon FCU | 2.25% | $1k | - | $690 | 3 Year Money Market Cerificates | |
| Hudson City Savings Bank | 2.25% | $500 | - | $690 | 3 Year CD | |
| EBSB Direct | 2.25% | $1k | - | $690 | 36 Month EBSB Certificates of Deposit | |
| City National Bank (NJ) | 2.25% | $500 | - | $690 | 36 - 47 Month CD | |
| RiverLand Credit Union | 2.25% | $1k | - | $690 | 36 Month Certificate | |
| State Bank of India | 2.22% | - | - | $681 | 3 Year CD | |
| AIG Bank | 2.21% | - | - | $678 | 3 Year CD | |
| ISN Bank | 2.21% | $1k | - | $678 | 3 Year CD | |
| Intervest National Bank | 2.20% | $2,500 | - | $675 | 3 Year CD | |
| Island FCU | 2.20% | - | - | $675 | 36 Month CD Certificate | |
| Royal Asian Bank | 2.20% | - | - | $675 | 3 Year CD | |
| Atlantic Coast Bank | 2.20% | - | - | $675 | 36 Month iCertificates of Deposit | |
| Corning CU | 2.20% | $1k | - | $675 | 36 Month Transfer CD | |
| Nationwide Bank | 2.20% | - | - | $675 | 36 Month CD | |
| Solvay Bank | 2.20% | $500 | - | $675 | 36 Month CD | |
| Wings Financial CU | 2.17% | - | - | $665 | 3 Year Share Certificate | |
| Atlas Savings and Loan Association | 2.17% | $2,500 | - | $665 | 3 Year CD | |
| American Express Bank | 2.15% | - | - | $659 | 36 Month CD | |
| First Internet Bank of IN | 2.15% | $1k | - | $659 | 36 Month CD | |
| Geddes Federal Savings and Loan Association | 2.15% | $500 | - | $659 | 36 Month CD | |
| Suffolk FCU | 2.15% | $500 | - | $659 | 36 Month Certificate | |
| Marathon National Bank | 2.10% | $1k | - | $643 | 36 Month CD | |
| Navy FCU | 2.10% | $1k | - | $643 | 3 Year CD | |
| Ponce de Leon FSB | 2.10% | $500 | - | $643 | 36 Month CD | |
| Northwest Savings Bank | 2.10% | $500 | - | $643 | 36 - 47 Month Promotions CD | |
| Lockheed Federal Credit Union | 2.10% | $1k | - | $643 | 36 Month CD | |
| Virtual Bank | 2.07% | $10k | - | $634 | 3 Year eCD | |
| Clear Sky Accounts | 2.05% | $5k | - | $522 | 30 month Clear Sky CD | |
| Community Bank of Pleasant Hill | 2.05% | $500 | - | $628 | 3 Year CD | |
| Community Bank of Raymore | 2.05% | $500 | - | $628 | 3 Year Emerald Club CD | |
| Broadway Federal Bank | 2.02% | $1k | - | $618 | 36 Month CD | |
| 20Th Century Fox CU | 2.02% | $2,500 | - | $618 | 3 Year Certificate | |
| Giantbank.com | 2.01% | $2,500 | - | $615 | 36 Month Giant Personal CD | |
| American Bank | 2.00% | $500 | - | $612 | 36 Month CD | |
| Carver Federal Savings Bank | 2.00% | $1k | - | $612 | 36 month CD | |
| Teachers FCU | 2.00% | $1k | - | $612 | 36 Month CD | |
| Doral Bank Direct | 2.00% | $1k | - | $612 | 36 Month Certificate | |
| First National Community Bank (PA) | 2.00% | $1k | - | $612 | 3 Year CD | |
| First Trade Union Savings | 2.00% | $500 | - | $612 | 3 Year CD | |
| H&R Block Bank | 2.00% | - | - | $612 | 36 Month CD | |
| iGObanking | 2.00% | $1k | - | $612 | 36 Month iGOCD | |
| Nassau Educators FCU | 2.00% | $1k | - | $612 | 3 Year CD | |
| Third Federal | 2.00% | $500 | - | $612 | 36 Month CD | |
| Jacksonville Bank | 2.00% | $1k | - | $612 | 36 Month CD | |
| Country Bank for Savings | 2.00% | $500 | - | $612 | CD - 3 year | |
| Alma Bank | 2.00% | - | - | $612 | 3 Year CD | |
| Access FCU | 2.00% | $1k | - | $612 | 36 Month Share Certificate | |
| Eastbank | 2.00% | $2,500 | $100k | $509 | 30 Month CD | |
| Northfield Bank | 2.00% | $2,500 | - | $612 | 36 Month CD | |
| RTN Federal Credit Union | 2.00% | $1k | - | $612 | 36 Month CD | |
| Northwest FCU | 1.95% | $2,500 | - | $596 | 3 Year CD | |
| Baxter Credit Union | 1.95% | - | - | $596 | 36 Month Rewards CD | |
| Quorum FCU | 1.95% | $1k | - | $596 | 36 Month Term Savings | |
| Walden Savings Bank | 1.95% | $1k | - | $598 | 36 Month CD | |
| Flagstar Bank | 1.94% | $500 | - | $593 | 36 - 47 Month CD | |
| EverBank | 1.92% | $1,500 | - | $488 | 30 Month Yield Pledge CD | |
| State Bank of Toledo | 1.91% | $1k | - | $584 | 36 Month CD | |
| Addison Avenue FCU | 1.90% | $500 | - | $583 | 36 - 59 Month Certificate | |
| State Bank & Trust | 1.90% | $500 | - | $581 | 3 Year CD | |
| The Bank of Fayetteville | 1.86% | $500 | - | $568 | 36 Month CD | |
| Dime Savings Bank | 1.85% | $500 | - | $565 | 3 Year CD | |
| AmTrustDirect | 1.85% | $1k | - | $565 | 36 Month CD | |
| Ameriprise Bank FSB | 1.85% | $10k | - | $565 | 36 Month CD | |
| Bank of Smithtown | 1.80% | - | - | $457 | 30 Month CD | |
| Community Federal Savings Bank | 1.80% | - | - | $550 | 36 Month CD | |
| Heritage Bank | 1.80% | $10k | - | $550 | 36 Month CD | |
| Metropolitan National Bank | 1.80% | $2,500 | - | $550 | 36 Month CD | |
| First Savings Bank Northwest | 1.79% | $5k | - | $548 | 36 Month CD | |
| Eastern New York FCU | 1.76% | $1k | - | $537 | 36-47 Month CD Share Certificate | |
| Royal Banks of Missouri | 1.76% | $1k | $100k | $537 | 36 Month CD | |
| BankUnited | 1.75% | $5k | - | $534 | 36 Month CD | |
| Capital One Direct Banking | 1.75% | $5k | - | $534 | 3 Year CD | |
| Cross County Federal Savings | 1.75% | $500 | - | $534 | 36 Month CD | |
| E-LOAN.com | 1.75% | $10k | - | $534 | 3 Year CD | |
| First Central Savings Bank | 1.75% | $500 | - | $534 | 36 Month CD | |
| Salisbury Bank | 1.75% | $1k | - | $534 | 36 - 47 Month CD | |
| Ridgewood Savings Bank | 1.75% | $500 | - | $534 | 36 Month CD | |
| FNBO Direct | 1.75% | - | - | $534 | 36 Month CD | |
| Patriot Bank | 1.75% | $1k | - | $534 | 3 Year CD | |
| M&T Bank | 1.75% | - | - | $534 | 3 Years Select Promo CD | |
| Webster Bank | 1.75% | $1k | - | $534 | 3 Year CD | |
| Aspire Federal Credit Union | 1.75% | $500 | - | $534 | 36 Month CD | |
| First Republic Bank | 1.75% | $5k | - | $534 | 3 Year CD | |
| GiftsforBanking.com | 1.75% | $5k | - | $534 | 3 Year CD | |
| Pacific Resource Credit Union | 1.72% | $1k | - | $525 | 36 Month CD | |
| Apple FCU | 1.70% | - | - | $519 | 36 Month CD | |
| ViewPoint Bank | 1.70% | $1k | - | $519 | 36 Month Regular CDs | |
| Provident Credit Union | 1.70% | $1k | - | $519 | 36 Month CD | |
| Advantage FCU | 1.70% | - | - | $519 | 36 - 47 Month CD | |
| First State Bank (NY) | 1.66% | $500 | - | $506 | 36 - 47 Month CD | |
| Bank of Greene County | 1.65% | $1k | - | $503 | Triple Protection 3 Year Relationship CD - with checking | |
| Allstate Bank | 1.60% | $1k | - | $488 | 3 Year CD | |
| North Country Savings Bank | 1.60% | $500 | - | $488 | 3 Year CD | |
| KANZA Bank | 1.55% | $1k | - | $472 | 36 Month CD | |
| Lake Michigan Credit Union | 1.55% | $500 | - | $393 | 30 Month CD | |
| Carthage Federal Savings and Loan Association | 1.55% | $500 | - | $472 | 36 Month CD | |
| Amegy Bank | 1.50% | $1k | - | $457 | 3 Year Jumbo Personal CD | |
| Ascencia Bank | 1.50% | $500 | $97k | $457 | 3 Year CD | |
| Cattaraugus County Bank | 1.50% | $1k | - | $457 | 36 Month CD | |
| MetLife Bank | 1.50% | $2k | - | $457 | 36 Month CD | |
| Consumers Credit Union | 1.50% | $250 | - | $457 | 3 Year CD | |
| Kinderhook Bank | 1.50% | $500 | - | $457 | 3 Year CD | |
| Evans Bank | 1.50% | $500 | - | $457 | 3 Year CD | |
| State Farm Bank | 1.48% | - | - | $451 | 36 Month CD | |
| Randolph Bank & Trust Company | 1.45% | $10k | - | $441 | 36 Month Fixed Rate CD | |
| National Bank of NYC | 1.41% | $2,500 | - | $429 | 36 - 47 Month CD | |
| Charles Schwab Bank | 1.36% | $1k | - | $414 | 36 Month CD | |
| Citibank | 1.35% | $500 | - | $410 | 3 Year CD | |
| JustBankIt.com | 1.35% | $1k | - | $342 | 30 Month CD | |
| Amalgamated Bank | 1.25% | $500 | - | $380 | 3 Year USAVE Time Deposit | |
| Bay Ridge Federal Credit Union | 1.25% | $500 | - | $380 | Regular 3 Year CD | |
| First National Bank of Long Island | 1.25% | $1k | - | $380 | 3 Year Simple Interest CD | |
| ING DIRECT | 1.25% | - | - | $380 | 36 Month Orange CD | |
| Astoria Federal Savings | 1.25% | $500 | - | $316 | 2 1/2 Year CD | |
| Zions Bank | 1.16% | $1k | - | $352 | 3 Year Gold CD | |
| KeyBank | 1.15% | $10k | $100k | $349 | 36 Month Tiered CD - Relationship | |
| Northern Federal Credit Union | 1.10% | $10k | - | $334 | 3 Year CD - Best | |
| Bank of Oklahoma | 1.05% | - | - | $318 | 3 Years CD | |
| Chase Manhattan Bank | 1.01% | $1k | - | $255 | 30-35 Month CD - Relationship | |
| INOVA FCU | 1.00% | $200 | - | $303 | 3 Year CD | |
| HSBC Advance | 0.75% | - | - | $227 | 36 Month Online CD | |
| First Niagara Bank | 0.70% | $5k | - | $176 | 30 Month eCD |
Average 3 Year CD Rate Trend
