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 631–645 results
- Coastline Federal Credit UnionRegular Share CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.01%APY$74 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. No setup or maintenance fees. $1,000 minimum opening deposit.
Offer: Penalty for early withdrawal.
2.96% interest rate · Effective May 29, 2026
Rate checked
More details - Notre Dame Federal Credit UnionStandard CertificateCD · 1–5 months · $0 min
Credit union · Add a location to see nearby branches
3.00%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - Dundee BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Offer: 91 Day CD. Early withdrawal penalty may apply. Not all CD terms offered online.
2.97% interest rate · Effective Oct 22, 2026
Rate checked
More details - Capitol Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest, 12 months to less than 36 months lose 180 days' interest, 36 months or longer lose 270 days' interest.
Offer: Only new money eligible for promotional rate. Early withdrawal penalty of 90 days' interest.
Promotional rate · Effective Dec 16, 2025
Rate checked
More details - Members First Credit UnionRegular CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: A minimum balance and opening deposit of $1,000.00 is required for Regular Certificates. No maintenance fees. A penalty will be imposed for early withdrawal. Rates are subject to change daily without prior notice.
2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Peru Federal Savings BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Requires $1,000.00 to open & interest is paid monthly. No minimum balance to earn APY*. Rates are subject to change at any time. Substantial penalty for early withdrawal.
Offer: Interest paid/credited monthly.
Promotional rate · 2.96% interest rate · Effective Sep 1, 2026
Rate checked
More details - First New York Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Open a Certificate with a minimum deposit of $500 ($2,500 for 9-month Share Certificates). Terms ranging from 3 months to 5 years. Lock in rate for entire certificate term. Competitive dividends compounded and credited monthly; withdraw earned dividends at any time without penalty. Automatic renewal at maturity for the same term as originally opened. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Funds federally insured by the NCUA up to applicable limits.
Offer: Annual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $500.
2.96% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - Golden 1 Credit UnionTerm Savings CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.
2.96% interest rate · Effective Oct 16, 2026
Rate checked
More details - Partners Federal Credit UnionEmergency Fund CertificateCD · 3 months · $100 min · up to $10,000
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: A Primary Share is required to open. Monthly dividends transferred to Primary Share. Limit one Emergency Fund Certificate per Member. Additional deposits allowed up to maximum balance of $10,000. Enjoy one penalty-free withdrawal during the 3-Month term. If balance exceeds $10,000 at maturity, overage is transferred to Primary Share.
Offer: Must maintain balance of at least $100 for the full term. Additional certificate rate add-ons are not allowed.
2.96% interest rate · Effective Sep 18, 2026
Rate checked
More details - Patelco Credit UnionCertificatesCD · 3–5 months · $250 min
Credit union · Add a location to see nearby branches
3.00%APYintro rateRequirements
Product: Minimum balance is $250.00. Subject to early withdrawal penalties.
Offer: Dividends paid at maturity.
Promotional rate · 2.98% interest rate · Effective Oct 16, 2026
Rate checked
More details - Minnesota FirstStandard Certificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Maximum certificate amount of $100,000. Interest compounded/credited at maturity for terms under 12 months, quarterly for 12 months or longer. Early withdrawal penalty applies (full certificate amount must be withdrawn).
Rate checked
More details - CSE Federal Credit UnionTerm Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Certificate rates are locked in for the term selected. Early withdrawal penalty may apply.
Offer: Certificates Less Than $10,000. Early withdrawal penalty is 90 days of dividends.
Effective Sep 17, 2026
Rate checked
More details - Clear Lake Bank and Trust CompanyCDs (Certificates of Deposit)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Limited Time Only. Fees may reduce earnings.
Offer: Early withdrawal penalties apply. Fees may reduce earnings.
Promotional rate · Effective Oct 19, 2026
Rate checked
More details - Fox Communities Credit UnionShare CertificateCD · 3 months · $2,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: For individual depositors. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: 30 Days.
2.97% interest rate · Effective Oct 5, 2026
Rate checked
More details - West Shore BankCertificates of Deposit (CDs)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: No monthly fees. Minimum balance to open is $500. Daily balance required to obtain APY.
2.97% interest rate · Effective Mar 16, 2026
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