Best 3-month CD rates

Requirements

Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.

Requirements

Product: CD rate offered to customers with an active transaction account at Legacy Bank. Existing CD customers currently grandfathered are allowed to renew existing CDs.

Offer: CD rate offered to customers with an active transaction account at Legacy Bank.

Requirements

Product: Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Early withdrawal penalty: Certificate term 12 months or less – 90-day interest penalty. Certificate term over 1 year – 180-day interest penalty.

Requirements

Product: Limited time offer valid starting August 2026. $500.00 minimum opening deposit. Advertised APYs include a 0.25% rate increase for new money, requiring opening with at least $10,000 from another financial institution. At maturity, certificate will rollover to the same term at current standard rate unless otherwise directed. Early withdrawal penalty applies and may reduce earnings. Dividends compounded and credited monthly and at maturity. Baptist Health South Florida Federal Credit Union membership required.

Offer: Advertised APY includes a 0.25% rate increase for \"new money.\" To receive this APY, you must open the certificate with at least $10,000 from another financial institution.

Requirements

Product: Minimum balance to open an account is $2,500 ($500 for minor). Minimum amount to earn APY is $500. Early withdrawal penalty will be imposed if CD is closed prior to maturity.

Offer: New Accounts. Minimum opening balance is $2,500 ($500 minor); minimum to earn APY is $500.

Requirements

Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.

Requirements

Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.

Offer: 91 Day term

Requirements

Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).

Offer: Loyalty Program Bronze Tier (Base + 0.20% IR)

Requirements

Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.

Offer: 3 Month Certificate requires a minimum deposit of $5,000. Penalty for early withdrawal.

Requirements

Product: Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.

Offer: Requires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty.

Requirements

Product: Must meet membership and account criteria. Early withdrawal penalties apply.

Requirements

Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.

Requirements

Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.