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 46–60 results
- BTG Pactual Bank, National AssociationOnline CDCD · 3 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Interest is compounded monthly and assumes funds remain on deposit until maturity.
Promotional rate · 3.93% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - Lehigh Valley Educators CUShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: $500 minimum deposit. Early withdrawal penalty applies. Dividends compounded and credited monthly. Some certificates may not be available for online opening.
Offer: $500 minimum deposit to open account and earn APY. A penalty will be imposed for early withdrawal. Dividends compounded and credited monthly.
3.93% interest rate · Effective Oct 7, 2026
Rate checked
More details - TopLine Financial Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - Blaze Credit UnionPremium CertificateCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited at maturity.
4.00% interest rate · Effective Sep 28, 2026
Rate checked
More details - South Story Bank & TrustCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Term lengths ranging from 30 days to 4 years. Automatic renewal offered. Early withdrawal penalties may apply. Non-institutional funds only.
Offer: Early withdrawal penalties may apply. Non-institutional funds only.
Effective Sep 25, 2026
Rate checked
More details - Appalachian Community Federal Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
Offer: Paid monthly.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - Hanscom Federal Credit UnionTerm CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - First County BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Must maintain a minimum collected daily balance of $1,000.00 to obtain the disclosed APYs. A penalty for early withdrawal will be imposed. Fees could reduce earnings. 3 Month CD requires new money (funds not currently on deposit with First County Bank).
Offer: Must be opened with funds not currently on deposit with First County Bank (New Money Only). Must be opened in branch.
3.93% interest rate · Effective Oct 2, 2026
Rate checked
More details - REV Federal Credit UnionLeland North Carolina CertificateCD · 3 months
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Certificate Promos just for Leland / NC. $1,000 limit when opening a certificate online.
Offer: Promotional offer for Leland / NC
Promotional rate
Rate checked
More details - CM MembersCertificate of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Rate checked
More details - Investar Bank3-Month Certificate of Deposit SpecialCD · 3 months · $500 min · 3.80%–4.00% by balance
Bank · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Consumer Online Banking Only. Early withdrawal penalty may apply. Interest is compounded monthly and assumes interest remains on deposit. Offer available for a limited time.
Offer: Consumer Online Banking Only. Early withdrawal penalty may apply.
Promotional rate · Compounded monthly · Effective Sep 1, 2026
Rate by balance
Rate by balance for 3-Month Certificate of Deposit Special Balance APY $500 – $245,000Your amount 4.00% $245,000 and up 3.80% Rate checked
More details - Prime Security BankCertificates of DepositCD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: $10,000 minimum opening deposit required to obtain stated APY. Substantial penalty for early withdrawal. Subject to approval.
Offer: $10,000 minimum opening deposit required to obtain stated APY. Substantial penalty for early withdrawal.
Effective Oct 30, 2025
Rate checked
More details - GHS FCUShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Federally insured by NCUA up to $250,000. Interest compounded monthly, paid by check, or transferred to another GHS FCU account; certificate must compound and interest must accrue in the account to earn stated APY. Early withdrawal penalties apply (90 days of interest if open < 12 months, 180 days of interest if >= 12 months). Automatically renews upon maturity.
Offer: Minimum average daily balance of $500.00.
3.93% interest rate · Compounded monthly
Rate checked
More details - People First Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Minimum opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.
Offer: Penalty for early withdrawal.
3.93% interest rate · Effective Aug 5, 2026
Rate checked
More details - Farmers Insurance Federal Credit UnionLimited Time 3-Month and 6-Month Share CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.
Offer: Promotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 3-Month Certificate at maturity.
Promotional rate · 3.93% 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
2,135 CDs at 1,936 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.70%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.17%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank