Compare Bank & Credit Union Rates
Best 3-month CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 151–165 results
- Baton Rouge Telco FCUShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$93 over 3 months on $10,000Requirements
Product: Dividends are posted monthly based on the daily balance and compounded monthly. Variable rate accounts subject to change at any time. Penalties for early withdrawals may apply. Step-up options apply to two-year terms and up, where rate can jump once before maturity. Automatic renewal for the same term at the new APY with a 10-day grace period.
3.70% interest rate · Compounded monthly
Rate checked
More details - Eastman Credit UnionInvestment CertificatesCD · 3–5 months · $2,500 min · 3.75%–3.80% by balance
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.
Offer: Term: 90 to 179 days. Early withdrawal penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn.
3.69% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investment Certificates Balance APY $2,500 and upYour amount 3.75% $100,000 and upJumbo tier ($100k Minimum). 3.80% Rate checked
More details - Southern Energy Credit UnionCertificates of Deposit (CDs)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.
Offer: Term: 91 Days
Compounded daily
Rate checked
More details - Colorado Federal BankCertificates of DepositCD · 3 months · $5,000 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Accounts available for individuals only. Online CD. No monthly maintenance fee, ACH fee or online Account fee.
Offer: Early withdrawal penalty equals 1 month of interest.
3.68% interest rate · Effective Oct 15, 2026
Rate checked
More details - Goldwater BankCERTIFICATES OF DEPOSITCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.
3.70% interest rate · Effective Oct 22, 2026
Rate checked
More details - Financial Horizons Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Certificate terms range from 3 months to 5 years. Dividends can either be paid monthly, or compounded monthly and paid at maturity. Early withdrawal of funds may result in loss of interest income.
3.68% interest rate · Compounded monthly · Effective Sep 4, 2026
Rate checked
More details - City First BankCertificates of Deposit (Digital)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Annual Percentage Yield (APY) assumes that interest remains on deposit. Fees may reduce earnings. For Certificates of Deposit, a penalty may be applied for withdrawals prior to the maturity date. After an account is opened, all rates are subject to change anytime without prior notice at the Bank’s discretion.
3.68% interest rate · Effective Oct 16, 2026
Rate checked
More details - Neighborhood Credit UnionStandard CertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Additional deposits are not allowed during the certificate term. Interest is compounded daily. Early withdrawal penalty applies.
Offer: 91 days term. Interest compounded daily. Additional deposits not allowed.
3.68% interest rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - Rally Credit UnionCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Automatically renews at maturity to a 1-year term at the then-current rate. Early withdrawal penalties apply and withdrawals reduce APY.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - Meridian BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Interest compounded daily, credited monthly. CDs less than 24 months penalty: 6 months interest; CDs 24 months or greater penalty: 12 months interest. Automatically renews at maturity.
3.68% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - OE Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (3 to 5 months: 30 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$92 over 3 months on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member.
3.69% interest rate · Effective Oct 6, 2026
Rate checked
More details - Exchange BankPersonal CD - New Money Promotional OfferCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000intro rateRequirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.
Promotional rate · 3.68% interest rate · Balance cap $99,999 · Effective Oct 5, 2026
Rate checked
More details - Exchange BankPersonal CD - New Money Promotional OfferCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000intro rateRequirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval.
Promotional rate · 3.68% interest rate · Effective Oct 5, 2026
Rate checked
More details - Atomic Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
3.68% interest rate
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 3-month CDs pay nationwide
2,135 CDs at 1,936 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.70%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.17%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank