Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Miami
Below are three-year CD Rates from banks in Miami, Florida. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
Miami, FL - November 2, 2024
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.00% |
$500 |
- |
Learn More
|
|
|
Rate History: 2.75% → 2.75% → 4.00% → 4.75% → 4.00% |
||||
|
Molddave | Aug 30, 2023 Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More |
||||
|
3.95% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.80% → 4.20% → 4.10% → 3.95% |
||||
|
Dr. E. F. Ayers; e.f.ayers@outlook.com | Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More |
||||
|
3.85% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 4.00% → 3.90% → 3.85% |
||||
|
george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
||||
|
2.50% |
$1,500 |
- |
Learn More
|
|
|
Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50% |
||||
|
Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
||||
|
2.00% |
$0 |
- |
Learn More
|
|
|
Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
||||
|
1.50% |
$500 |
- |
Learn More
|
|
|
1.00% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 3.51% → 1.00% → 3.51% → 1.00% |
||||
|
Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
||||
|
0.90% |
$10,000 |
9.29 |
Learn More
|
|
|
wlsjacobson | Jul 31, 2017 Outstanding bank, management and client service. Well run and financially very strong Read More |
||||
|
0.85% |
$1,000 |
- |
Learn More
|
|
|
0.80% |
$10,000 |
1.09 |
Learn More
|
|
|
0.75% |
$1,000 |
24.90 |
Learn More
|
|
|
nino | Nov 11, 2021 nino Read More |
||||
|
0.70% |
$100,000 |
18.58 |
Learn More
|
|
|
0.65% |
$10,000 |
12.49 |
Learn More
|
|
|
0.60% |
$100,000 |
0.99 |
Learn More
|
|
|
0.55% |
$10,000 |
15.67 |
Learn More
|
|
|
0.50% |
$10,000 |
3.64 |
Learn More
|
|
|
0.50% |
$10,000 |
10.46 |
Learn More
|
|
|
danioly24@icloud.com | Jul 31, 2016 This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to ... Read More |
||||
|
0.40% |
$10,000 |
0.99 |
Learn More
|
|
|
0.36% |
$100,000 |
14.63 |
Learn More
|
|
|
0.35% |
$100,000 |
3.63 |
Learn More
|
|
|
Asj | Nov 15, 2020 Do they? Read More |
||||
|
0.35% |
$10,000 |
3.63 |
Learn More
|
|
|
Asj | Nov 15, 2020 Do they? Read More |
||||
|
0.30% |
$1,000 |
- |
Learn More
|
|
|
0.30% |
$10,000 |
18.58 |
Learn More
|
|
|
0.26% |
$10,000 |
14.63 |
Learn More
|
|
|
0.25% |
$10,000 |
10.53 |
Learn More
|
|
|
0.15% |
$1 |
- |
Learn More
|
|
|
Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
||||
|
0.10% |
$10,000 |
1.11 |
Learn More
|
|
|
0.10% |
$1,000 |
- |
Learn More
|
|
|
0.05% 0.01% |
$2,501 $2,500 |
- |
Learn More
|
|
|
Rate History: 0.03% → 0.05% |
||||
|
0.05% |
$500 |
- |
Learn More
|
|
|
MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
||||
|
0.03% |
$25,000 |
- |
Learn More
|
|
|
GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
||||
|
0.01% |
$500 |
- |
Learn More
|
|
|
Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
||||
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates