If you’re willing to tie up your cash for 36 months, Acacia Federal Savings Bank has the best CD rate for the 3 year term. They are offering 3.25% APY with a minimum deposit of $500.

Besides the 36 month CD, Acacia also offers 2.55% on a 24 month CD, 2.95% on a 30 month CD, and 3.50% on a 48 month CD.

The bank is based in Falls Church, Virginia, but customers can apply for CDs online. The bank is a subsidiary of Acacia Life Insurance Co. Acacia is FDIC insured.