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 361–375 results
- 3.50%APY$86 over 3 months on $10,000intro rate
Requirements
Product: Public Funds ineligible for promotional CD rates.
Offer: Penalty: 45 Days. Public Funds ineligible for promotional CD rates.
Promotional rate · 3.44% interest rate · Effective Sep 22, 2026
Rate checked
More details - REV Federal Credit UnionRegular CertificatesCD · 3 months · $250 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Open online up to $1,000; visit branch for amounts over $1,000. 3 to 60-month term options available.
3.44% interest rate
Rate checked
More details - Ridgedale Federal Credit UnionShare 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: RFCU membership and proper ID required. Dividends are compounded monthly, credited monthly, and calculated using the daily balance method. Automatic renewal at maturity with a 10-day grace period. No additional deposits permitted after opening.
Offer: Early withdrawal penalty of 1 month loss of dividends.
3.45% interest rate · Compounded monthly · Effective Mar 5, 2026
Rate checked
More details - Haven Savings BankCertificates 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: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). Interest is compounded continuously and credited monthly. Penalty for early withdrawal of principal. Fees may reduce earnings. 7 calendar days grace period from maturity date.
Offer: Interest is compounded continuously. Penalty for early withdrawal.
3.44% interest rate · Effective Jun 30, 2026
Rate checked
More details - Fifth District Savings BankCertificate AccountsCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000intro rateRequirements
Product: A penalty will be imposed for early withdrawal. Fees could reduce earnings.
Promotional rate · 3.44% interest rate · Effective Apr 3, 2026
Rate checked
More details - kstate CREDIT UNIONShare Certificate of DepositCD · 3–60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Offer: APYs are shown as high as and subject to change without notice.
Rate checked
More details - Ever $ Green Federal Credit UnionShare CertificateCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Product: Requires a savings account to open. Interest is posted monthly to the account of choice.
3.45% interest rate
Rate checked
More details - Top Tier Federal Credit UnionTerm CertificatesCD · 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 purchase amount of $500 with no maximum purchase amount. Terms range from 3 months to 5 years. Early withdrawal penalties may apply.
Offer: Early withdrawal penalty may be imposed.
Effective Jul 1, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: Early withdrawals on Share Term Certificates are subject to a penalty equal to 90 days of dividends on the principal amount withdrawn.
3.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3Hill Credit UnionCertificate of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Offer: Promo rate. Members must call 3Hill Credit Union to receive a CD Promo rate. Automatically renews at the prevailing board rate with a 10 day grace period.
3.46% interest rate · Effective May 1, 2026
Rate checked
More details - Texans Credit UnionCertificate AccountCD · 3 months · $500 min · 3.50%–3.70% by balance
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Membership Required. Daily balance method used to calculate interest. Interest compounded and credited monthly. Paid rate disclosed for entire term. Automatically renews with 10 calendar days grace period. If balance on a $100,000 or more Certificate Account falls below minimum balance requirements, automatically renews at applicable APY for same term. Early withdrawal penalties may apply.
Offer: Not available for IRA or CESA
3.45% interest rate · Effective Feb 23, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 3.50% $100,000 and up 3.70% Rate checked
More details - First Southwest BankCertificate of Deposit (CD)CD · 3 months · $1,000 min · 3.50%–3.60% by balance
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Fixed interest rates. Early withdrawal penalties may apply. Interest is compounded monthly and paid monthly.
Offer: Standard tier
3.45% interest rate · Compounded monthly · Effective Feb 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $250,000Your amount 3.50% $250,000 and upJumbo tier 3.60% Rate checked
More details - Westminster Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Dividends compounded daily and credited quarterly. Additional deposits are not allowed on Share Certificates. Early withdrawal penalty is 180 days.
3.44% interest rate · Compounded daily
Rate checked
More details - Technology Credit UnionConsumer CertificateCD · 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: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.46% interest rate · Effective Sep 1, 2026
Rate checked
More details - Intrepid Credit UnionShare CertificateCD · 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: Dividends calculated daily and compounded/credited quarterly. Fixed rate over term. $1,000 minimum deposit to open. Early withdrawal penalties apply based on maturity term. Automatic renewal at maturity with a 10 calendar day grace period.
3.44% interest rate · Effective Aug 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
2,135 CDs at 1,932 banks and credit unions · checked Oct 22–23
- Typical
- 2.01%
- Top 10% from
- 3.72%
- Banks, typical
- 1.85%
- 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