Top 36-month CD rates hold steady in late winter

Rubber band around rolled up money

One bank has held a firm grip on 36-month CD rates for more than a month.

That bank is AmTrust Direct, the online division of Cleveland-based AmTrust Bank, which is owned by New York Community Bank.

AmTrust pays 1.55% APY and requires a $1,000 minimum deposit.

AmTrust has been at the top of our list since Jan. 17, promoted to the best nationally available deal thanks to another bank's rate cut.

In fact, AmTrust has offered the same deal since last fall.

It just looks better today as other banks have cut rates. Its deal is now more than twice as much as the national average of 0.70% APY.

In all, eight banks, including AmTrust Direct, offer rates of at least double the national average, according to our most recent survey of banks and thrifts.

As of Feb. 24, 2012, seven other banks pay 1.40% APY or better:

Doral Bank Direct, the online bank of Doral Bank, the leading community bank in Puerto Rico, which also has five branches in northwest Florida and two in New York City, pays 1.50% APY with a $1,000 minimum deposit.

KeySource Commercial Bank, which has a single branch in Durham, N.C., pays 1.50% APY $100 minimum deposit for certificates of deposit purchased in person, over the phone or through the mail, and a $5,000 minimum deposit for CDs purchased online.

CIT Bank, the online consumer bank of CIT Group, Inc., which offers financing to small businesses and middle market companies, pays 1.46% APY with a $1,000 minimum.

Broadway Federal Bank, which has three branches in Los Angeles and Inglewood, Calif., pays 1.46% APY with a $500 minimum.

Virtual Bank, the online division of Sabadell United Bank, based in Miami, pays 1.41% APY with a $10,000 minimum.

Nationwide Bank, an online bank owned by Nationwide Mutual Insurance Company and its affiliates, pays 1.40% APY with a $500 minimum.

Atlantic Coast Bank, which has 11 branches in northeast Florida and southeast Georgia, pays 1.40% APY with a $1,000 minimum.

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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