Best 3-Year CD Rates in Indiana, IN

You are viewing rates from banks across Indiana

Below are three-year CD Rates from banks in Indiana. 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.

IN - February 5, 2025

3 Year CD National Average : 0.75% ^?

Banks	APY	MIN	MILES ^?
Merchants Bank of Indiana	4.86% 3.48%	$1,001 $1,000	-	Learn More
Rate History: 5.65% → 5.92% → 5.13% → 4.86%
65JimmyJay \| Dec 12, 2022 Developed buyers remorse after they stopped raising the rate and switched to Brilliant. Read More Reviews (5)
FCN Bank, National Association	4.00%	$1,000	-	Learn More Add Review
Rate History: 0.45% → 4.00%
Ivy Bank, a division of Cambridge Savings Bank	3.60%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.60%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Truist Bank	3.50%	$1,000	-	Learn More
Rate History: 3.75% → 3.50% → 3.00% → 3.50%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
Bank of Whittier, National Association	3.36%	$1,000	-	Learn More Add Review
First Federal Savings Bank	3.29%	$500	-	Learn More Add Review
Rate History: 2.27% → 3.03% → 3.29%
Gateway First Bank	3.10%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Blue Foundry Bank	3.00%	$1,000	-	Learn More Add Review
Citizens	2.85%	$5,000	-	Learn More
Rate History: 3.10% → 2.85%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Logansport Savings Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 1.85% → 3.00% → 2.75%
State Bank of Medora	2.53%	$500	-	Learn More Add Review
Rate History: 2.02% → 3.56% → 2.53%
Banesco USA	2.50%	$1,000	-	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 Reviews (8)
First Robinson Savings Bank, National Association	2.27%	$0	-	Learn More Add Review
Rate History: 2.52% → 2.27%
Citibank, National Association	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 Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Centier Bank	1.75%	$1,000	-	Learn More Add Review
Hingham Institution for Savings	1.70%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.55%	$1,000	-	Learn More
Rate History: 2.75% → 2.55% → 1.55%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Woodforest National Bank	1.40%	$500	-	Learn More
Rate History: 1.00% → 1.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Bedford Federal Savings Bank	1.30%	$100,000	-	Learn More Add Review
Community First Bank of Indiana	1.15%	$1,000	-	Learn More Add Review
Bedford Federal Savings Bank	1.15%	$10,000	-	Learn More Add Review
The First National Bank of Monterey	1.11%	$1,000	-	Learn More Add Review
Peoples Community Bank SB of Monticello, Indiana	1.00%	$2,500	-	Learn More Add Review
BMO Bank National Association	1.00%	$1,000	-	Learn More
Rate History: 0.10% → 1.35% → 4.00% → 1.35% → 1.00%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Kentland Bank	0.96%	$100,000	-	Learn More Add Review
First Federal Savings Bank	0.95%	$10,000	-	Learn More Add Review
The Napoleon State Bank	0.90%	$100,000	-	Learn More Add Review
The Farmers & Merchants State Bank	0.86%	$100,000	-	Learn More Add Review
Kentland Bank	0.86%	$10,000	-	Learn More Add Review
Bank of Commerce and Trust Company	0.85%	$1,000	-	Learn More Add Review
The Napoleon State Bank	0.85%	$10,000	-	Learn More Add Review
Tri-County Bank & Trust Company	0.85%	$10,000	-	Learn More Add Review
The Friendship State Bank	0.85%	$10,000	-	Learn More Add Review
United Fidelity Bank, fsb	0.85%	$10,000	-	Learn More Add Review
First State Bank of Porter	0.85%	$100,000	-	Learn More Add Review
The Home National Bank of Thorntown	0.80%	$100,000	-	Learn More Add Review
Greenfield Banking Company	0.80%	$1,000	-	Learn More Add Review
Rate History: 0.80% → 0.70% → 0.80% → 0.70% → 0.80%
Union Savings Bank	0.80%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
Alliance Bank	0.80%	$100,000	-	Learn More Add Review
The First National Bank of Carmi	0.80%	$10,000	-	Learn More Add Review
DeMotte State Bank	0.80%	$10,000	-	Learn More Add Review
Field & Main Bank	0.80%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank	0.76%	$10,000	-	Learn More Add Review
The Home National Bank of Thorntown	0.75%	$1,000	-	Learn More Add Review
Hoosier Heartland State Bank	0.75%	$10,000	-	Learn More Add Review
The North Salem State Bank	0.75%	$10,000	-	Learn More Add Review
Crossroads Bank	0.75%	$10,000	-	Learn More Add Review
Grant County State Bank	0.75%	$10,000	-	Learn More Add Review
First Bank Richmond	0.75%	$10,000	-	Learn More Add Review
First State Bank of Porter	0.75%	$10,000	-	Learn More Add Review
LNB Community Bank	0.75%	$10,000	-	Learn More Add Review
The Campbell & Fetter Bank	0.74%	$10,000	-	Learn More Add Review
Bath State Bank	0.71%	$100,000	-	Learn More Add Review
The New Washington State Bank	0.70%	$10,000	-	Learn More Add Review
First Federal Savings Bank	0.70%	$100,000	-	Learn More Add Review
The Farmers Bank of Milton	0.70%	$100,000	-	Learn More Add Review
Peoples Trust and Savings Bank	0.70%	$10,000	-	Learn More Add Review
Alliance Bank	0.65%	$10,000	-	Learn More Add Review
Greenville National Bank	0.65%	$10,000	-	Learn More Add Review
Community State Bank	0.65%	$10,000	-	Learn More Add Review
Boonville Federal Savings Bank	0.65%	$10,000	-	Learn More Add Review
Bath State Bank	0.62%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Angola	0.61%	$10,000	-	Learn More Add Review
Fowler State Bank	0.60%	$500	-	Learn More Add Review
The Riddell National Bank	0.60%	$500	-	Learn More Add Review
The Peoples State Bank	0.60%	$10,000	-	Learn More
CatLT \| Mar 25, 2021 Stay away from this bank. I have never dealt with a bank that was so hard to deal with. It’s like pulling teeth to withdraw your own money. Read More Reviews (1)
Bank of Wolcott	0.60%	$10,000	-	Learn More
JohnFerrell \| Jan 18, 2024 Very rude!!!’ The only time they care about anyone is if you are a business they don’t care about the little guy!!! Read More Reviews (3)
Stock Yards Bank & Trust Company	0.60%	$500	-	Learn More Add Review
Union Savings and Loan Association	0.60%	$10,000	-	Learn More Add Review
Wayne Bank and Trust Co.	0.60%	$10,000	-	Learn More Add Review
First Federal Savings Bank	0.60%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.60%	$500	-	Learn More Add Review
Old Plank Trail Community Bank, National Association	0.60%	$10,000	-	Learn More Add Review
The Farmers Bank, Frankfort, Indiana	0.55%	$10,000	-	Learn More Add Review
Owen County State Bank	0.55%	$100,000	-	Learn More Add Review
Civista Bank	0.55%	$10,000	-	Learn More
Disappointed \| Feb 5, 2020 We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More Reviews (2)
Peoples Bank	0.55%	$100,000	-	Learn More Add Review
American Community Bank of Indiana	0.55%	$10,000	-	Learn More Add Review
The Fountain Trust Company	0.50%	$1,000	-	Learn More Add Review
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
The Hicksville Bank	0.50%	$500	-	Learn More Add Review
1st Source Bank	0.50%	$500	-	Learn More Add Review
The Garrett State Bank	0.50%	$10,000	-	Learn More Add Review
The Bippus State Bank	0.50%	$10,000	-	Learn More Add Review
CentreBank	0.50%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company	0.50%	$10,000	-	Learn More
JEKuhn \| May 20, 2017 I received a check from them, misplaced it and now have found. Two years old. What now? Read More Reviews (1)
Terre Haute Savings Bank	0.50%	$10,000	-	Learn More Add Review
The Fairmount State Bank	0.50%	$10,000	-	Learn More Add Review
Peoples Bank	0.50%	$10,000	-	Learn More Add Review
Providence Bank & Trust	0.47%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.45%	$1,000	-	Learn More Add Review
First Harrison Bank	0.45%	$2,500	-	Learn More
vernon Wayne Coats \| Sep 26, 2015 Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More Reviews (1)
Horizon Bank	0.45%	$10,000	-	Learn More Add Review
Lake City Bank	0.45%	$100,000	-	Learn More Add Review
Farmers and Merchants Bank	0.45%	$10,000	-	Learn More Add Review
Jackson County Bank	0.45%	$100,000	-	Learn More Add Review
Owen County State Bank	0.45%	$10,000	-	Learn More Add Review
Springs Valley Bank & Trust Company	0.45%	$10,000	-	Learn More Add Review
First State Bank of Middlebury	0.45%	$100,000	-	Learn More Add Review
Security Federal Savings Bank	0.41%	$10,000	-	Learn More Add Review
Citizens Bank	0.40%	$500	-	Learn More Add Review
Legence Bank	0.40%	$500	-	Learn More Add Review
Jackson County Bank	0.40%	$10,000	-	Learn More Add Review
First Savings Bank	0.40%	$10,000	-	Learn More
William Read \| Apr 1, 2020 We had a terrible experience with Extreme Loan we were refinancing our home on home on March 6, 2020. We were told that we would be locked in at 3% with no closing costs or points. My mortgage representati... Read More Reviews (1)
Community State Bank	0.40%	$500	-	Learn More Add Review
Scottsburg Building and Loan Association	0.40%	$10,000	-	Learn More Add Review
Home Bank SB	0.40%	$10,000	-	Learn More Add Review
The State Bank and Trust Company	0.35%	$10,000	-	Learn More Add Review
STAR Financial Bank	0.35%	$10,000	-	Learn More Add Review
Spencer County Bank	0.35%	$2,500	-	Learn More Add Review
First State Bank of Middlebury	0.35%	$10,000	-	Learn More Add Review
Hendricks County Bank and Trust Company	0.33%	$100,000	-	Learn More Add Review
First Bank of Berne	0.30%	$1,000	-	Learn More Add Review
Old National Bank	0.30%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
Citizens State Bank of New Castle, Indiana	0.30%	$10,000	-	Learn More Add Review
First Financial Bank, National Association	0.30%	$10,000	-	Learn More Add Review
First National Bank	0.30%	$10,000	-	Learn More Add Review
Freedom Bank	0.30%	$10,000	-	Learn More Add Review
Hendricks County Bank and Trust Company	0.30%	$10,000	-	Learn More Add Review
First Merchants Bank	0.25%	$100,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
Lake City Bank	0.25%	$10,000	-	Learn More Add Review
The Farmers and Merchants Bank	0.25%	$10,000	-	Learn More Add Review
Northwest Bank	0.25%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis	0.25%	$100,000	-	Learn More Add Review
First Merchants Bank	0.20%	$10,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
First Financial Bank	0.20%	$10,000	-	Learn More Add Review
Mutual Savings Bank	0.20%	$10,000	-	Learn More Add Review
Premier Bank	0.20%	$500	-	Learn More Add Review
First Farmers Bank & Trust Co.	0.15%	$100,000	-	Learn More Add Review
Farmers State Bank	0.15%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis	0.15%	$10,000	-	Learn More Add Review
Banterra Bank	0.15%	$10,000	-	Learn More Add Review
TD Bank, National Association	0.15%	$10,000	-	Learn More
Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
State Bank of Lizton	0.12%	$1,000	-	Learn More Add Review
U.S. Bank National Association	0.10%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First Farmers Bank & Trust Co.	0.10%	$10,000	-	Learn More Add Review
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.02% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	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 Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Fifth Third Bank, National Association	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

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.

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Indiana CD Rates – 3-Year

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Three Year CDs - Branch Banks 2025

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