CD Valet Ratewatcher Top 36-Month Rate Picks of the Week

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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