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 286–300 results
- Valley3-Month Certificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Renews every 3 months.
Offer: Renews every 3 months. $500 Minimum Deposit.
Effective Oct 21, 2026
Rate checked
More details - SchoolsFirst FCUShare CertificateCD · 3–5 months · $500 min · 3.55%–3.75% by balance
Credit union · Add a location to see nearby branches
3.55%APYRequirements
Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
3.49% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and upYour amount 3.55% $20,000 and up 3.60% $50,000 and up 3.65% $100,000 and upJumbo tier. 3.70% $250,000 and upJumbo tier. 3.75% Rate checked
More details - LBS FinancialShare CertificatesCD · 3 months · $1,000 min · 3.55%–3.70% by balance
Credit union · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Requirements
Product: Share Certificate terms between 3 and 60 months. Dividends begin accruing on date of deposit, calculated using Average Daily Balance method, compounded and credited monthly and at maturity. Early withdrawal penalties apply (30 days dividends for <=3 months, 90 days for >3 months to <1 year, 180 days for >=1 year). Auto-renews at maturity with 7-day grace period. Membership with $5 Share Savings account required.
Offer: Bronze tier. For the 3 month Bronze Share Certificate, minimum deposit is $1,000 and unlimited add-on deposits are allowed.
3.49% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.55% $20,000 and upSilver tier. 3.60% $50,000 and upGold tier. 3.65% $90,000 and upJumbo tier. 3.70% Rate checked
More details - General Electric Credit UnionCertificatesCD · 3 months · $0 min
Credit union · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Requirements
Product: Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
3.49% interest rate · Effective Oct 6, 2026
Rate checked
More details - Luminate BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Requirements
Product: Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
Offer: Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.
3.55% interest rate · Effective Oct 15, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Premier Spending relationship. One penalty-free withdrawal per term after seven days from account opening.
Effective Oct 13, 2026
Rate checked
More details - State Bank of BottineauRegular CDsCD · 3 months · $100 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Requirements
Product: Fixed term interest rates. Penalty may be imposed for early withdrawal. Terms available from 6 to 60 months (and 3 months on rate chart).
Offer: A penalty may be imposed for early withdrawal.
3.50% interest rate · Effective Oct 13, 2026
Rate checked
More details - Kirkwood BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Requirements
Product: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
Offer: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
3.50% interest rate · Effective Oct 7, 2026
Rate checked
More details - Southeastern Arizona Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000Rate checked
More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$88 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: Base rate (Consumer Rate Sheet)
3.50% interest rate · Effective Oct 9, 2026
Rate checked
More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 90 Day term, Jumbo balance.
Qualified rate · 3.50% interest rate
Rate checked
More details - First National Bank of HerefordCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: 90 Day term, balance Less than $50,000.
Qualified rate · 3.50% interest rate · Balance cap $49,999.99
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Standard Certificate requires $500 minimum deposit, deposited once at account opening and remaining in place until maturity. Monthly dividends. Rollover at maturity with 10-day grace period. Early standard certificate withdrawals penalty: 50% of remaining unearned interest or 180 days worth of interest.
Rate checked
More details - Phelps County BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,0003.50% interest rate · Effective Oct 1, 2026
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
2,137 CDs at 1,936 banks and credit unions · checked Oct 16–23
- Typical
- 2.01%
- Top 10% from
- 3.71%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.21%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank