Bruce,
Apparently, the slow speed of 3Mbps is only on my phone. My desktop which is connected via direct ethernet cable has speed of 170Mbps. My laptop has good speed of 135Mbps.
So, it's just my phone has slow speed. Hmm.
But late last night, I updated the firmware on my Apple AirPort Extreme! Probably first time since I bought in 2015. Maybe that's why it's faster now?
But it's hit and miss. I don't want to declare victory until tonight. Sometimes it's fast and sometimes it's soooo sllloooow.
Let's see. Thanks for you feedback!