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 331–345 results
- 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 - Citadel Credit UnionCitadel Standard 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: Minimum deposit to open and earn standard APY is $500. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). No deposits permitted after establishment. Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies. $10 closing service fee (if applicable).
3.45% interest rate
Rate checked
More details - Franklin Mint Federal Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.
3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - Utilities Employees Credit UnionAdvantages Certificate of DepositCD · 3 months · $500 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Opening balance and minimum balance of $500 for all certificates. APY assumes dividends remain in the account until maturity and minimum balance is maintained. After opening, additional deposits cannot be made during the term. Penalty imposed for early withdrawal.
3.35% interest rate
Rate by balance
Rate by balance for Advantages Certificate of Deposit Balance APY $500 – $10,000 3.40% $10,000 – $75,000Your amount 3.50% $75,000 and up 3.60% Rate checked
More details - S&T BankGrowth/Income CD Time DepositsCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.
Balance cap $500,000 · Effective Oct 12, 2026
Rate checked
More details - Beach Cities Commercial BankCertificate of Deposit AccountsCD · 3 months · $2,500 min · 3.50%–3.80% by balance
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Stated APY assumes that deposit balances remain until maturity. Interest is compounded monthly and credited monthly. Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty. CDs will automatically renew at maturity into the closest standard term available at the then-current market rate. You have a 10-calendar day grace period after the maturity date to withdraw funds without penalty.
3.45% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificate of Deposit Accounts Balance APY $2,500 and upYour amount 3.50% $100,000 and up 3.65% $250,000 and up 3.80% Rate checked
More details - Murphy BankFixed Rate Certificates of Deposit (CD)CD · 3 months · $1,000 min · 3.30%–3.50% by balance
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Substantial penalty for early withdrawal before maturity date. Loyal customer rate bonus: an extra 0.10% over the rate shown is paid on all fixed rate certificate accounts renewing (not new accounts) that have been open for a consecutive period of one year or longer. Customer receives interest rate shown if interest is withdrawn monthly or transferred; APY earned if funds remain on deposit to maturity with no interest withdrawn.
3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Fixed Rate Certificates of Deposit (CD) Balance APY $1,000 – $9,999 3.30% $10,000 and upYour amount 3.50% Rate checked
More details - Fidelity BankCertificate of Deposit (CD)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: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: One penalty-free withdrawal per term after seven days from account opening.
Effective Oct 13, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000intro rate
Requirements
Product: Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
Offer: Interest compounded daily and credited monthly. Penalty for early withdrawal.
Promotional rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - Westport Federal Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000intro rateRequirements
Product: Penalty on Early Withdrawal of Certificates. Maintenance or dormant fees could reduce earnings on deposit accounts.
Promotional rate · 3.44% interest rate · Effective Aug 21, 2026
Rate checked
More details - St. Mary's Credit UnionRelationship CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000with conditionsRequirements
Product: Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY.
Qualified rate · 3.39% interest rate
Rate checked
More details - Bristol County Savings BankPRIME TIME™ Certificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000with conditionsRequirements
Product: Must maintain a Prime Time Checking account to be eligible for product. An early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Simple interest earned; APY assumes all interest will remain on deposit for one year. Must maintain a Prime Time Checking account.
Qualified rate · 3.46% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: Minimum balance to open certificate and obtain stated APY is $1,000.00. CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
Offer: CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
3.44% interest rate · Effective Sep 21, 2026
Rate checked
More details - Washington Savings BankCertificates of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Must be opened in person by the primary account holder with proper identification. After opening, deposits or withdrawals are not permitted until maturity without penalty. Auto-renews at maturity; 10 calendar days grace period. Current rates effective as of September 29, 2026.
Offer: 91 Day CD. Interest rate and APY remain in effect until maturity. Interest compounds and credits at maturity; interest checks or transfers reduce APY. Auto-renews with 10 calendar days grace period. Early withdrawal penalty is all interest paid, credited or accrued on the amount withdrawn, at least 30 days simple interest.
3.45% interest rate · Effective Sep 29, 2026
Rate checked
More details - KEMBA Financial Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000with conditionsRequirements
Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
Offer: KEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements.
Qualified rate · Effective Aug 1, 2026
Rate checked
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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
2,136 CDs at 1,933 banks and credit unions · checked Oct 22–23
- Typical
- 2.01%
- Top 10% from
- 3.72%
- Banks, typical
- 1.86%
- Credit unions, typical
- 2.22%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank