Best 36-month CD rates hold steady in November at 1.65%

Bills sticking out of white piggy bank

The nationwide average for 36-month CD rates has taken a tumble this fall.

Surprisingly, the best nationally available deal hasn't followed suit.

You can still earn 1.65% APY from Doral Bank Direct, the online bank of Doral Bank, the leading community bank in Puerto Rico that also has branches in Florida and New York, with a $1,000 minimum deposit.

That same bank led the way with the same rate in October.

Doral's rate is much less than the 2.17% APY offered at the beginning of the year on the top nationally available deal.

Still, its 3-year CD pays nearly a full percentage point more than the national average -- 0.69% APY according to our most recent survey of banks and thrifts.

As of Nov. 11, 2011, four other banks pay more than 1.51% APY:

AmTrust Direct, the online division of AmTrust Bank in Cleveland, a division of New York Community Bank, pays 1.55% APY with a minimum deposit of $1,000.

Quaint Oak Bank, a suburban Philadelphia bank with a single location, pays 1.55% APY with a minimum deposit of $500.

CIT Bank, the online consumer bank of CIT Group Inc., which offers financing to small businesses and middle market companies, pays 1.54% APY with a minimum deposit of $1,000.

Goldwater Bank, which has a single location in Scottsdale, Ariz., pays 1.52% APY with a minimum deposit of $5,000.

To qualify for this list, a bank must allow savers from all 50 states to buy its certificates of deposit online or through the mail.

Click here to compare these returns with the top CD rates from dozens of banks in your area.

Our CD calculator will help you figure out the interest you'll earn, for any term, amount and interest rate.

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