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 316–330 results
- Heartland Credit UnionCertificates of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.51%APY$87 over 3 months on $10,000Requirements
Product: Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
Offer: $1,000.00 minimum balance is required. 90 day early withdrawal penalty. Rates for approved members.
3.45% interest rate · Effective Oct 14, 2026
Rate checked
More details - Castroville State BankCertificate of DepositCD · 3 months · $1,000 min · 3.51%–3.87% by balance
Bank · Add a location to see nearby branches
3.51%APY$87 over 3 months on $10,000Requirements
Product: Early withdrawal penalties may apply.
3.45% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.51% $25,000 – $100,000 3.71% $100,000 and upJUMBO'S 3.87% Rate checked
More details - Dieterich BankCertificates of Deposit (CDs)CD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.51%APY$87 over 3 months on $10,000Requirements
Product: We are not accepting financial institution's deposits at this time. A penalty will or may be imposed for early withdrawal.
Offer: Early withdrawal penalty is 91 days.
3.45% interest rate · Effective Sep 30, 2026
Rate checked
More details - Credit Union For AllCertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$87 over 3 months on $10,000Requirements
Product: $500 minimum balance. Dividends paid monthly. Effective December 1, 2025. *APY = Annual Percentage Yield. Dividends paid monthly. A penalty will be assessed for early termination.
Offer: Term: 3 months
3.45% interest rate · Effective Dec 1, 2025
Rate checked
More details - Qualstar Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.51%APY$87 over 3 months on $10,000Requirements
Product: Tiered rate structure pays based on the total balance of all certificates held. Early withdrawal penalty may apply.
Offer: Dividends compound and credit monthly. Term not available as IRA Certificate.
3.45% interest rate · Effective Apr 1, 2025
Rate checked
More details - Amarillo National BankCertificate of Deposit (CD)CD · 1–5 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.
Offer: Term is 30-150 Days.
Effective Oct 2, 2026
Rate checked
More details - State Bank of India (California)Certificate of Deposit (CD)CD · 1–3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: Available in-branch and online. Fixed rates for the term of the CD. APY assumes interest remains on deposit until maturity. Minimum balance to open and obtain APY is $1,000. Early withdrawal penalty may apply.
Offer: Term is more than 1 month to 3 months.
3.46% interest rate · Effective Feb 26, 2026
Rate checked
More details - St. Francis X Federal Credit UnionShare CertificatesCD · 3 months · $500 min · 3.50%–3.60% by balance
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Early withdrawals are subject to penalties. Quarterly dividends. Automatic renewal. Option to transfer certificate dividends into checking or savings account or mailed at no charge. Minimum deposit of $500.
Offer: First Tier APY. Early withdrawals are subject to penalties. All rates are current as of October 23, 2026.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $100,000Your amount 3.50% $100,000 and up 3.60% Rate checked
More details - National Grand BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,0003.45% interest rate · Effective Oct 21, 2026
Rate checked
More details - Numerica Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
Effective Oct 19, 2026
Rate checked
More details - City First BankCertificates of Deposit (CD) (Retail/Consumer Only)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 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.
3.44% interest rate · Effective Oct 16, 2026
Rate checked
More details - USC Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
Offer: Minimum opening deposit $1,000. Early withdrawal penalties apply.
3.45% interest rate · Effective Oct 17, 2026
Rate checked
More details - Ponce BankCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: The minimum balance to open and obtain the APY for Certificates of Deposits (CDs) 1-6 months is $500. The minimum balance to open and obtain the APY for CDs 12-60months is $1,000. A penalty may be imposed for withdrawals before maturity on CDs. Fees may reduce earnings. Offer and rates may change without prior notice.
3.44% interest rate · Effective Sep 17, 2026
Rate checked
More details - Thinkwise Credit UnionTerm Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Rates are locked for the term of the term share. $500 minimum balance required.
Offer: Dividends compounded daily, credited quarterly.
3.44% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - Philadelphia Federal Credit UnionJumbo CertificateCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.44% 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
2,137 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