The best nationally available 3-year CD rates have slumped in the past month.
The top deal in December paid 1.65% APY.
Now you'll find winter's hottest CDs at 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 to open a CD.
AmTrust still pays more than twice the national average for 36-month certificates -- 0.68% APY, according to our most recent survey of banks and thrifts.
As of Jan. 20, 2012, seven other banks pay 1.41% APY or more:
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.
CIT Bank, the online consumer bank of CIT Group, Inc., which offers financing to small businesses and middle-market companies, pays 1.49% APY with a $1,000 minimum.
Tennessee Commerce Bank, which has a single location in Franklin, Tenn., pays 1.48% APY with a $2,500 minimum.
Broadway Federal Bank, which has five branches in Los Angeles and Inglewood, Calif., pays 1.46% APY with a $500 minimum.
Nationwide Bank, an online bank owned by Nationwide Mutual Insurance Company and its affiliates, pays 1.45% APY with a $500 minimum.
USAA, a diversified financial company based in San Antonio, pays 1.41% APY with a $1,000 minimum.
Virtual Bank, the online division of Sabadell United Bank, based in Miami, pays 1.41% APY with a $10,000 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.