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 586–600 results
- Inland Valley Federal Credit UnionCertificateCD · 3 months · $1,000 min · 3.03%–3.10% by balance
Credit union · Add a location to see nearby branches
3.06%APY$76 over 3 months on $10,000Requirements
Product: Must meet field of membership requirements and pay a one-time non-refundable membership fee. Must maintain regular share savings account ($25 par value share). Minimum balance to open ranges from $500 to $1,000; must maintain minimum daily balance to earn APY. If balance falls below, certificate will be cancelled and balance transferred to regular share savings.
Offer: 90 DAY CERTIFICATE
Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and up 3.03% $10,000 and upYour amount 3.06% $50,000 and up 3.08% $90,000 and up 3.10% Rate checked
More details - Water and Power Community Credit UnionSavings CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: WPCCU membership required. Minimum opening balance of $1,000. Compounded daily and paid quarterly. Can be used as collateral for consumer loans. Early withdrawal penalties apply. Fees could reduce earnings.
3.02% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Exchange BankPersonal CDCD · 3–5 months · $1,000 min · 3.05%–3.06% by balance
Bank · Add a location to see nearby branches
3.05%APYRequirements
Product: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. New CDs with a balance of $5,000,000 or more require approval. Early withdrawal penalty applies.
Offer: CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000. Early withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval.
3.00% interest rate
Rate by balance
Rate by balance for Personal CD Balance APY Up to $99,999Your amount 3.05% $100,000 and up 3.06% Rate checked
More details - Nicolet National BankCertificate of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
3.02% interest rate · Effective Sep 23, 2026
Rate checked
More details - Educational Systems Federal Credit UnionCertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Star Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible. Membership required. Dividends compounded and credited quarterly.
Promotional rate · 3.02% interest rate · Effective Oct 19, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.05%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.01% interest rate · Effective Oct 16, 2026
Rate checked
More details - Farmers National BankCertificate of DepositCD · 3 months · $500 min · 2.95%–3.25% by balance
Bank · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: Minimum $500 deposit Short and long-term maturities that range from 3 months to 5 years Competitive fixed interest rates Interest paid quarterly Early withdrawals subject to penalty CD automatic renews at maturity with the new interest rate and same maturity term so you may continue to earn a higher rate of return FDIC insured
2.92% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 2.95% $10,000 and upYour amount 3.05% $100,000 and up 3.25% Rate checked
More details - SeaWest Coast Guard Federal Credit UnionTerm Share CertificateCD · 3 months · $500 min · 3.05%–3.10% by balance
Credit union · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: Rates are subject to change without notice. Early withdrawal penalty is equal to 30 to 90 days of dividends on funds withdrawn prior to maturity. Federally insured up to $250,000.
3.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $49,999Your amount 3.05% $50,000 and up 3.10% Rate checked
More details - Credit Union of OhioRegular CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: Dividends compound quarterly. Early withdrawal penalty applies. $500 min. to open regular certificates.
3.01% interest rate · Effective Oct 1, 2026
Rate checked
More details - Spring BankCertificates of DepositCD · 3 months · $1,000 min · 3.05%–3.45% by balance
Bank · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: The Annual Percentage Yield (APY) on Certificates of Deposit assumes interest remains on deposit until maturity; a withdrawal of interest prior to maturity will reduce earnings. Penalties for early withdrawal of principal could reduce earnings, whether earned or not. Interest accrues using the daily balance method at the interest rate in effect for that balance tier.
Offer: Interest compounded: None; Interest credited: At Maturity
3.02% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $24,999Your amount 3.05% $25,000 – $99,999 3.15% $100,000 and up 3.45% Rate checked
More details - Zions BankStandard Certificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
Rate checked
More details - Georgia United Credit UnionCertificates of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: Earn more than traditional savings with no monthly maintenance fees. Membership and eligibility requirements apply, requiring a $5 one-time nonrefundable membership fee and a minimum initial deposit of $5.
3.00% interest rate
Rate checked
More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.01% interest rate · Effective Mar 13, 2026
Rate checked
More details - Cabot CCUCertificates of DepositCD · 3 months · $5,000 min
Credit union · Add a location to see nearby branches
3.05%APY$75 over 3 months on $10,000Requirements
Product: All new CDs will be quarterly transfer of interest to savings account.
Offer: Interest paid at maturity. Quarterly transfer of interest to savings account.
Effective Jan 1, 2026
Rate checked
More details - Pahranagat Valley Federal Credit UnionCertificatesCD · 3 months
Credit union · Add a location to see nearby branches
3.04%APY$75 over 3 months on $10,000Requirements
Product: Membership is open to persons who live, worship, attend school, or work within a 25-mile radius of the Alamo Post Office in Alamo, NV, or immediate family/household members of current members. Maximum share limit per account is $250,000.00.
3.00% interest rate · Effective Sep 29, 2025
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
2,135 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