As savers wait for the eventual drop in rates, CD Valet data shows that a growing number of CD shoppers are on the hunt for longer-term CDs. In the past three months, almost 20% of savers have been shopping for 36-month rates.
A means to maximize your retirement savings or sock away money for a big purchase – car, wedding, vacation – opening a long-term CD may be the way to start earning more. Check out our Ratewatcher 36-Month Rate Picks of the Week for the top CD rates:
Credit Unions Banks
| 5.12% APY 36 Month to 60 month $500 minimum deposit TEG FCU (NY) Insured by NCUA | 5.15% APY 36 Month $5,000 minimum deposit Bank Iowa (IA) Member FDIC |
| 5.06% APY 36 Month $100,000 minimum deposit Northwoods CU (MN) Member FDIC | 5.12% APY 36 Month $10,000 minimum deposit State Bank of Newburg (WI) Member FDIC |
| 5.05% APY 36 Month $25,000 minimum deposit Diamond FCU (OK) Insured by NCUA | 4.95% APY 36 Month $1,000 minimum deposit Raymond James Bank (FL) Member FDIC |
| 5.00% APY 36 Month $1,000 minimum deposit SJP FCU (NY) Insured by NCUA | 4.81% APY 36 Month $100,000 minimum deposit Luana Savings Bank (IA) Member FDIC |
| 5.00% APY 36 Month $1,000 minimum deposit Transportation FCU (VA) Insured by NCUA | 4.80% APY 36 Month $100,000 minimum deposit Community Commerce Bank (CA) Member FDIC |
| 4.97% APY 36 Month $99,000 minimum deposit Hughes FCU (AZ) Insured by NCUA | 4.76% APY 36 Month $1,500 minimum deposit Central State Bank (IA) Member FDIC |
| 4.91% APY 36 Month $500 minimum deposit Eagle One FCU (DE) Insured by NCUA | 4.75% APY 36 Month $500 minimum deposit Newtown Savings Bank (CT) Member FDIC |
| 4.90% APY 36 Month $25,000 minimum deposit Select FCU (TX) Insured by NCUA | 4.75% APY 36 Month $50,000 minimum deposit Bankers Bank of the West (CO) Member FDIC |
| 4.89% APY 36 Month $1,000 minimum deposit Federal Employees Newark FCU (NJ) Insured by NCUA | 4.70% APY 36 Month $2,000 minimum deposit Pacific Crest Savings Bank (WA) Member FDIC |
| 4.86% APY 36 Month $1,000 minimum deposit Inner Lakes FCU (NY) Insured by NCUA | 4.70% APY 36 Month $500 minimum deposit M.Y. Safra Bank FSB (NY) Member FDIC |
*Annual percentage yields (APY) not offered by CD Valet but based on data from various institutions as of 6/10/24 and subject to change. Early withdrawal penalty and additional restrictions may apply.
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