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 16–30 results
- Northeast Alabama Postal FCUCDCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$102 over 3 months on $10,000intro rateRequirements
Product: Available to members. Offer and rates subject to change. Minimum balance to open is $500. Maximum CD balance $250,000.
Offer: 90 Days Special APY. Early withdrawal penalties apply.
Promotional rate · Balance cap $250,000
Rate checked
More details - FirsTier BankCertificates of Deposit (CD’s)CD · 3 months
Bank · Add a location to see nearby branches
4.14%APY$102 over 3 months on $10,000Requirements
Product: Interest earned is payable by compounding, check, or transferring to an existing FirsTier account. A penalty may be imposed for early withdrawal. Automatically renews to a fixed rate CD of equivalent term.
4.06% interest rate · Effective Sep 21, 2026
Rate checked
More details - Nizari Credit UnionMomentum Share CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.13%APY$102 over 3 months on $10,000Requirements
Product: Early withdrawal may be subject to penalties. Minimum deposit is $1,000. Terms range from 6 months to 60 months. Dividends can be paid to Savings/Checking account or compounded monthly. Election remains in effect until maturity. Certificate may automatically renew or deposit into Savings/Checking upon maturity.
Offer: 3 Month Special
4.05% interest rate · Compounded monthly · Effective Sep 1, 2026
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More details - InTouch Credit UnionHYRC CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.10%APY$101 over 3 months on $10,000with conditionsRequirements
Product: High-Yield Rewards Checking Account required.
Offer: High-Yield Rewards Checking Account required.
Qualified rate · 4.02% interest rate · Effective Oct 13, 2026
Rate checked
More details - AmericanBankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
4.10%APY$101 over 3 months on $10,000Requirements
Product: Minimum deposit $500. Interest is compounded daily and earned on the daily balance. A penalty may be imposed for early withdrawal.
Offer: 90 Day term.
4.02% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - OC Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$101 over 3 months on $10,000Requirements
Product: Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.
Offer: PremiumPlus Membership (Basic + 25 bps).
4.02% interest rate · Effective Oct 1, 2026
Rate checked
More details - MRV BanksCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.10%APY$101 over 3 months on $10,000Requirements
Product: Fixed interest rate and maturity date. Terms range from 3 months to 5 years. Interest is compounded quarterly and secured for the life of the term. CDs with terms of 12 months or more can be opened online; all terms available in branch.
Offer: Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Compounded quarterly · Effective Sep 15, 2026
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More details - National Police FCUShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.08%APY$100 over 3 months on $10,000Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - Peoples BankCertificates of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
4.07%APY$100 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates as of 11/3/2025. Interest rates subject to change at any time without notice. Minimum balance required to obtain stated APY. Fees may reduce earnings.
Offer: Penalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings.
4.00% interest rate · Effective Nov 3, 2025
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More details - RIM Country FCUShare CertificateCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
4.06%APY$100 over 3 months on $10,000intro rateRequirements
Product: All rates subject to change without notice. Fee for early withdrawal: $10.00, in addition up to 30 days of interest may be forfeited.
Offer: New Certificates
Promotional rate · 4.00% interest rate · Effective Sep 24, 2026
Rate checked
More details - Adirondack Trust CompanyCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
4.06%APY$100 over 3 months on $10,000intro rateRequirements
Product: Early withdrawal penalty applies. Fees may reduce earnings. APY assumes principal and interest remain on deposit until maturity.
Offer: Compounded Simple. CD special is available at any Adirondack Trust Company retail branch location. Offer good for a limited time only.
Promotional rate · 4.00% interest rate · Balance cap $1,000,000 · Effective Feb 18, 2026
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More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 3 months
Bank · Add a location to see nearby branches
4.06%APY$100 over 3 months on $10,000Requirements
Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Penalty with early withdrawal.
4.00% interest rate · Effective Jun 22, 2026
Rate checked
More details - First National Bank of CommerceCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$100 over 3 months on $10,000Requirements
Product: Rates fixed during term; established weekly. Accounts automatically renew at maturity at the rate in effect at maturity. Early withdrawal penalties may apply. Interest compounded quarterly or monthly check only if over $50.00; no monthly compounding on any CD. For balances over $250,000.01, please see an officer.
3.35% interest rate · Compounded quarterly · Balance cap $250,000.01 · Effective Aug 6, 2025
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More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$100 over 3 months on $10,000Requirements
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 Platinum Tier (Base + 0.50% IR)
Effective Oct 9, 2026
Rate checked
More details - The First National Bank Of Nevada, MissouriBasic CDsCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.06%APY$100 over 3 months on $10,000Requirements
Product: All CDs listed are fixed rate CDs. A penalty may be imposed for early withdrawal of principal during the term of a CD. Interest is accrued on the full daily balance.
4.00% interest rate · Effective Sep 22, 2026
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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