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triple advantage cd

Earn up to 4.25% APY1

Certificates of deposit with flexible terms designed to deliver predictable earnings for your financial goals.

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your goals, your terms

Built for now & where you're headed next

Whether you're saving short term or planning ahead, a Triple Advantage CD lets you choose a term that fits your timeline, lock in a guaranteed rate, and move toward your goals with confidence—so you can focus on reaching your next milestone.

  • Easy Digital Account Opening

    Open an account in as little as 5 minutes from any device - no lines, no hassle.

  • High-Yield Certificates of Deposit

    Grow your savings confidently with fixed rates ranging from 3.50% to 4.25% APY.1

  • Predictable Earnings on Your Terms

    Know exactly how much you’ll earn and when with flexible terms between 6 & 60 months.

  • 24/7 Online & Mobile Banking

    Watch your savings grow with around-the-clock access through online and mobile banking.

  • No Hidden Fees

    What you see is what you get—no hidden fees, no surprises. Just straightforward, transparent banking.

Lock in My Rate

Earn more with fixed CD rates

Build your savings with confidence through fixed-rate CDs that offer stable, above-average returns — starting with just $500.

  • 6-Month CD

    Earn 4.25% APY — more than 2.5x the national average with a full return in just half a year.

  • 9-Month CD

    Earn 4.20% APY — nearly 2.5x the national average with a full return in just 9 months.

  • 12-Month CD

    Earn 4.10% APY — more than 2x the national average with a full return in just one year.

  • 18-Month CD

    Earn 3.95% APY — more than 2x the national average with a full return in just a year and a half.

  • 24-Month CD

    Earn 3.75% APY — more than 2.5x the national average for a 2-year term.

  • 36-Month CD

    Earn 3.50% APY — more than 2.5x the national average for a 3-year term.

  • 48-Month CD

    Earn 3.50% APY — nearly 3x the national average for a 4-year term.

  • 60-Month CD

    Earn 3.50% APY — more than 2.5x the national average for a 5-year term.

triple advantage

Why choose AAA Banking?

Banking should be more than just a place to store your money—it should help you make the most of it. From high-yield checking and savings accounts to auto loans, IRAs and CDs, every product is designed to help you grow your savings, reach your goals, and enjoy the moments that matter most.

  • Easier Banking. Fewer Hassles.

    Whether you're making everyday purchases, transferring funds, or saving for the future, our user-friendly digital banking platform puts you in control—no hassle, no surprises, just straightforward banking.

  • Your Security. Our Priority.

    Protection is part of who we are. That's why we use bank-level encryption and strict security protocols—so you can bank with confidence, knowing your information and finances are always safe and secure.

  • More Benefits. More Value.

    Experience a smarter, more rewarding way to spend, save and grow—while unlocking exclusive AAA membership perks that you can't get anywhere else.

Get more for your money.

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1. Triple Advantage Certificate of Deposit (CD) Annual Percentage Yield (APY) is accurate as of 4/14/2025. The minimum deposit to open an account is $500. 4.25% APY applies to a 6-month CD with balances of $500.00 and up. 4.20% APY applies to a 9-month CD with balances of $500.00 and up. 4.10% APY applies to a 12-month CD with balances of $500.00 and up. 3.95% APY applies to an 18-month CD with balances of $500.00 and up. 3.75% APY applies to a 24-month CD with balances of $500.00 and up. 3.50% APY applies to a 36, 48, and 60-month CD with balances of $500.00 and up. CDs are opened and interest begins on the day the funding deposit is received. The interest rate and APY are fixed for the term of the CD. The APY assumes interest remains on deposit until maturity. Withdrawal of interest before maturity will reduce earnings. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. National average interest rate for a 6-month CD is 1.61% APY. National average interest rate for a 9-month CD is 1.70% APY. National average interest rate for a 12-month CD is 1.78% APY. National average for a 18-month CD is 1.61%. National average for a 24-month CD is 1.49%. National average for a 36-month CD is 1.35%. National average for a 48-month CD is 1.27%. National average for a 60-month CD is 1.34% – source: www.fdic.gov.

Important Tax Information

The value of this reward may constitute taxable income and may be reported to the Internal Revenue Service as miscellaneous income to the first signer on the account, in the year received, as required by applicable law. Offer is limited to clients who are U.S. citizens or resident aliens that furnish or have a valid Form W-9 on file and the account must not be subject to backup withholding. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you reflecting the total value of cash rewards earned during the calendar year. Please consult your tax adviser, as AAA Banking does not provide tax advice.

Early Withdrawal Penalties

An early withdrawal penalty will apply if you withdraw funds before the maturity date. For terms less than or equal to 12 month, the penalty is 3 months of interest. For terms greater than a year, the penalty is 6 months of interest.

AAA Banking services are provided by Grasshopper Bank, N.A. For full terms and conditions about our products and services, please refer to the Master Service Agreement.

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