Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Harrison
Below are three-year CD Rates from banks in Harrison, New York. 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.
Harrison, NY - March 29, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.80% |
$1,000 |
- |
Learn More
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Rate History: 4.58% → 4.47% → 4.16% → 3.96% → 3.80% |
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3.80% |
$250 |
- |
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Rate History: 4.50% → 3.50% → 3.80% |
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3.50% |
$0 |
- |
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Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50% |
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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 |
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3.50% |
$500 |
- |
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3.45% |
$2,500 |
- |
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Rate History: 3.50% → 3.45% |
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3.45% |
$500 |
- |
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Rate History: 4.05% → 4.15% → 3.75% → 3.65% → 3.45% |
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3.35% 0.30% |
$250,000 $1,000 |
- |
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Rate History: 3.70% → 3.55% → 3.75% → 3.45% → 3.35% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.25% |
$500 |
- |
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Rate History: 4.00% → 4.10% → 4.00% → 3.25% |
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James A. Elder | Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More |
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3.25% |
$500 |
- |
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Warning: Early withdrawal penalty equals two years of interest.
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JuanVelasco | Mar 17, 2023 STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More |
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3.20% |
$500 |
- |
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Rate History: 3.25% → 3.20% → 3.82% → 3.05% → 3.20% |
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3.00% |
$500 |
- |
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3.00% |
$500 |
- |
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Douglas H | Feb 5, 2020 The employees of this bank are helpful but the bank's systems and procedures for obtaining your account information STINK. If you want a bank that provides you quarterly (or even annual) statements by mai... Read More |
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3.00% |
$1,500 |
- |
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Rate History: 2.00% → 3.00% |
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Ryan | Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More |
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2.95% |
$1,000 |
- |
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Rate History: 2.80% → 2.95% |
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2.85% |
$0 |
- |
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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2.85% |
$5,000 |
- |
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Rate History: 3.10% → 2.85% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.00% |
$500 |
- |
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Rate History: 4.00% → 2.00% → 2.50% → 3.50% → 2.00% |
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2.00% |
$10,000 |
- |
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.66% |
$10,000 |
- |
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Rate History: 2.02% → 1.66% |
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1.50% |
$500 |
- |
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Rate History: 0.10% → 1.50% |
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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0.85% |
$1,000 |
- |
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0.75% |
$10,000 |
20.06 |
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0.75% |
$10,000 |
24.15 |
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0.65% |
$10,000 |
18.82 |
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0.65% |
$1,000 |
- |
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0.65% |
$10,000 |
23.18 |
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0.55% |
$1,000 |
23.68 |
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0.35% |
$10,000 |
9.32 |
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0.35% |
$10,000 |
21.05 |
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0.33% |
$1,000 |
- |
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.25% |
$10,000 |
24.21 |
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0.25% |
$10,000 |
21.05 |
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Lori Kroko | Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More |
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0.15% |
$100,000 |
19.99 |
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0.05% |
$2,500 |
- |
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Rate History: 0.02% → 0.05% |
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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 |
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0.03% |
$25,000 |
- |
Learn More
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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 |
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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.
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