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 391–405 results
- Fort Community Credit UnionCertificateCD · 3 months · $250 min
Credit union · Add a location to see nearby branches
3.44%APY$85 over 3 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Dividends compounded quarterly.
Promotional rate · 3.40% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate checked
More details - Fort Community Credit UnionCertificateCD · 3 months · $250 min
Credit union · Add a location to see nearby branches
3.44%APY$85 over 3 months on $10,000intro rateRequirements
Product: Membership is required to open a share certificate. Dividends compounded quarterly. $250 minimum opening deposit. Early withdrawal penalties apply (30 days' interest for 3- and 6-month terms, 180 days' interest for 12 months or longer). Auto-renews at end of term.
Offer: Dividends paid quarterly. $250 minimum to open.
Promotional rate · 3.40% interest rate · Compounded quarterly
Rate checked
More details - 3.44%APY$85 over 3 months on $10,000
Requirements
Product: Funds remain on deposit until maturity. Current rates established when account is opened. Premier Checking customers receive a 0.10% increase on Certificates of Deposit.
3.40% interest rate · Effective Oct 14, 2026
Rate checked
More details - Industrial Federal Credit UnionShare CertificatesCD · 3 months · $500 min · 3.44%–4.06% by balance
Credit union · Add a location to see nearby branches
3.44%APY$85 over 3 months on $10,000Requirements
Product: Fixed dividend rate for the term of the account. Dividends compounded and paid quarterly. Substantial penalty for early withdrawal. Automatically renews for a term equal to the original at prevailing rate. No setup or maintenance fees.
3.40% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.44% $250,000 and upSpecial rate for balances $250K + 4.06% Rate checked
More details - First American Bank and TrustCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.44%APY$85 over 3 months on $10,000Requirements
Product: Interest rates set weekly. Automatic renewal convenience. CD rates are fixed upon opening the account. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply.
Effective Apr 28, 2026
Rate checked
More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.44%APY$85 over 3 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Quarterly compounding/payment available on deposits over $5,000.00.
3.40% interest rate · Effective Sep 16, 2026
Rate checked
More details - Red Crown Credit UnionCertificate of Deposit (CD)CD · 3 months · $500 min · 3.41%–3.92% by balance
Credit union · Add a location to see nearby branches
3.41%APY$84 over 3 months on $10,000Requirements
Product: Rates are variable and may change after the account is open. Penalty and forfeiture of dividends for early withdrawal. Fees can reduce earnings.
3.35% interest rate
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $500 and upYour amount 3.41% $20,000 and up 3.67% $75,000 and up 3.92% Rate checked
More details - Texas Trust Credit UnionTerm Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$84 over 3 months on $10,000Requirements
Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
3.35% interest rate · Effective Oct 5, 2026
Rate checked
More details - Sidney FCURegular CertificatesCD · 3 months · $500 min · 3.40%–3.65% by balance
Credit union · Add a location to see nearby branches
3.40%APY$84 over 3 months on $10,000Requirements
Product: Effective as of October 23, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
Offer: Fixed Rate. Minimum balance to open $500.
3.35% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $500 and upYour amount 3.40% $100,000 and up 3.65% Rate checked
More details - Hanover BankCertificate of DepositsCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$84 over 3 months on $10,000Requirements
Product: These Annual Percentage Yields (APYs) are accurate as of the date displayed on the CD Rates page and are subject to change without notice. Our CD interest rates remain fixed until maturity. The minimum balance to open a Certificate of Deposit and earn the APY is $500. A penalty may be imposed for withdrawals before maturity. Fees could reduce earnings.
3.34% interest rate
Rate checked
More details - First Bank of the LakeCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$84 over 3 months on $10,000Requirements
Product: Rates effective as of October 22, 2026. Opening deposits: $1,000 minimum (in-branch), $5,000 minimum (online). Max deposit $500,000 per account. FDIC insurance limited to legal maximum. Penalty may be imposed for early withdrawal. Fees could reduce earnings. No institutional funds in branch; no business or institutional funds online.
Offer: In-branch opening only. Not offered online.
Balance cap $500,000 · Effective Oct 22, 2026
Rate checked
More details - Firefighters Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$84 over 3 months on $10,000Requirements
Product: Rates subject to change without notice. Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal. Membership open to eligible persons living/working in specified WI/MN counties or eligible employee/family groups.
Offer: Term is 91 days.
3.35% interest rate · Effective Oct 22, 2026
Rate checked
More details - Panhandle First BankCertificates of DepositCD · 3 months · $1,000 min · 3.40%–3.51% by balance
Bank · Add a location to see nearby branches
3.40%APY$84 over 3 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawal penalty applies. 10-day grace period at maturity.
Offer: Penalty for early withdrawal. Must maintain a balance of $1,000.00 to obtain APY.
Promotional rate · 3.35% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.40% $50,000 and upFor CD amounts over $250,000, please contact the bank. 3.51% Rate checked
More details - Liberty BankCertificates of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.40%APY$84 over 3 months on $10,000Requirements
Product: Must be present to open account. Penalty will be assessed for early withdrawal: 3–11 month terms: 90 days' interest; 12–23 month terms: 180 days' interest; 24 months or longer: 365 days' interest. Compounded daily. Average daily balance calculation method.
3.35% interest rate · Compounded daily · Balance cap $99,999
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More details - 3.40%APY$84 over 3 months on $10,000with conditions
Requirements
Product: Requires a Gate City Bank checking account.
Offer: Requires a Gate City Bank checking account
Qualified rate · 3.36% interest rate · Effective Oct 22, 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 22–24
- 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