Best 3-month CD rates

Requirements

Product: Minimum opening balance and minimum balance to earn dividends is $1,500. Fixed Certificates dividends are calculated daily and paid monthly. Variable Certificates dividends are calculated and compounded daily, posted monthly. Substantial early withdrawal penalties apply to Share Certificates. Fees may reduce earnings.

Offer: Fixed rate. Dividends are calculated daily and paid monthly.

Requirements

Product: Fixed-rate CDs with terms from 3 months to 5 years; eight standard terms plus a 7-month promotional CD. Minimum to open standard CDs is $500. APY assumes interest remains until maturity. Upon maturity, tier rates default to the current standard rate in the rate schedule.

Offer: Standard CD tier $500-$2,499.

Requirements

Product: Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed APY. Interest compounded quarterly and stays on deposit until maturity. Early withdrawal penalty may apply. Automatically renews 10 days after maturity for the same term at the current interest rate.

Offer: Term: 90 Days. Must maintain a minimum daily balance of $2,000 each day to obtain disclosed APY.

Requirements

Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.

Requirements

Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.

Requirements

Product: Open to residents of Fairfield County, Ohio or any contiguous county (or established customers who have moved away). Early withdrawal penalty applies.

Requirements

Product: APY assumes interest will remain on deposit in order to obtain interest compounding. Rates are subject to change at renewal of account. A penalty will be assessed for early withdrawal from Certificate of Deposit Products. Interest payment periods and compounding periods vary by product. Fees may reduce earnings on accounts.

Requirements

Product: Dividends are paid monthly and calculated from day of deposit to day of withdrawal. Early withdrawal penalty applies: 30 days' dividends for terms of less than one year, and 90 days' dividends for terms of one year or longer. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in a Regular Share account.

Offer: Dividends compounded and credited monthly; dividend period is the account's term. Additional deposits not allowed. Early withdrawal penalty of 30 days' dividends.

Requirements

Product: $1,000.00 minimum. A penalty may be imposed for early withdrawal equal to 90 days dividend. Dividends are declared and paid monthly by the Board of Directors based on earnings and market conditions and are subject to change without notice. Yields shown assume that dividends are compounded monthly to the certificate and unavailable for withdrawal until maturity.

Requirements

Product: Dividend rates are fixed for the initial term; early withdrawal penalties apply.

Offer: Minimum opening deposit $1,000. Rates effective as of 06/18/2025.

Requirements

Product: Available from 3 months to 5 years. No setup or maintenance fees. Substantial penalty for early withdrawal of principal.

Offer: Substantial penalty for early withdrawal of principal.

Requirements

Product: $500 minimum balance required ($1,000 minimum for 15-month special). Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.

Offer: Paid at maturity

Requirements

Product: CD interest payments available via Auto Transfer or electronic deposit. For 3, 6, 9, 12 month CDs: interest is not compounded, credited at maturity. For 18, 24, 27, 36, 39, 54, 69, 78, 89 month CDs: interest is compounded and credited annually. Early withdrawal penalty may apply.

Offer: Interest not compounded; credited at maturity.

Requirements

Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Certificates of Deposit available for personal and business.

Offer: 91 Day CD term. Penalty for early withdrawal.

Requirements

Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.

Offer: Check Plan (Interest via check); balance less than $10,000.