Rate checked November 8, 2026 (today)
Alto Bank 3-year CD rate: 3.15% APY
Alto Bank's 3-year CD pays 3.15% APY. That ranks 36th of the 67 banks we track for this term. The best is 4.90% at Merrick Bank.
- APY
- 3.15%
- Last change
- Up 0.35 pts
- Oct 5, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 3.15%, $25,000 earns about $788 in the first year.
The best 3-year CD earns about $1,225 on the same money. Choosing Alto Bank instead gives up about $437 a year.
The middle 3-year rate across 67 banks is 3.25%. Figures are first-year interest at the quoted APY, before taxes.
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Alto Bank 3-year CD rate over time
- All-time high
- 3.15%Oct 5, 2026
- All-time low
- 2.80%Aug 4, 2026
- Changes
- 1
- Tracked since
- Aug 4, 2026
High and low cover the history we hold (the last two years at most), not the whole life of the account.
Alto Bank 3-year CD rate history
This rate has changed 1 time since we began tracking it on August 4, 2026.
| Date | APY | Change |
|---|---|---|
| October 5, 2026 | 3.15% | +0.35 pts |
| August 4, 2026 | 2.80% | First tracked |
Banks that pay more for a 3-year CD
- Merrick Bank4.90%
- Quorum Federal Credit Union4.90%
- BTG Pactual Bank4.85%
Alto Bank CD rates for other terms
Other Alto Bank rates
Questions
What is Alto Bank's 3-year CD rate?
Alto Bank pays 3.15% APY on its 3-year CD, based on its own rate page when we last checked. That earns about $788 a year on $25,000.
Is Alto Bank's 3-year CD rate good?
It ranks 36th of the 67 banks we track for this term. The best rate for this term is 4.90% at Merrick Bank, and the middle rate is 3.25%. Choosing Alto Bank over the best costs about $437 a year on $25,000.
Which banks pay more than Alto Bank on a 3-year CD?
Merrick Bank (4.90%), Quorum Federal Credit Union (4.90%), BTG Pactual Bank (4.85%).
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