Hudson City Bank hasn't cut its chart-topping 36-month CD rates for more than a month now.

That's noteworthy, given the way other banks chopped their returns and CD rates fell in October.

Hudson City, which has dozens of branches in New Jersey, New York and Connecticut, continues to pay 3.00% APY with a minimum deposit of $5,000.

The other best deals on 36-month CDs as of Nov. 2 are:

2.76% APY with a minimum deposit of $1,000 from The Equity Bank, which has two branches in the Dallas area.

2.75% APY with a minimum deposit of $2,500 from Discover Bank, the credit card company's online bank.

2.75% APY with a minimum deposit of $10,000 from National Bank of Kansas City, which has six locations in Missouri and Kansas.

Most savers can also earn 3.0% with a $10,000 minimum deposit from Flagstar Bank.

But if you live near one of Flagstar's 180 branches in Michigan, Indiana or Georgia, you'll only be offered 2.75% APY. That keeps Flagstar out of our rankings because the deal isn't nationally available.

Click here to compare the best CD rates from dozens of other banks in our extensive database.

Or see exactly how much you can make at these rates with our new certificate of deposit calculator.

By Carolyn Siegel

Interest.com Associate Editor