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 691–705 results
- Soo Co-Op CUTerm Certificates Non CompoundingCD · 3 months · $5,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account.
Offer: 91 Day term. Non Compounding.
2.97% interest rate · Effective Oct 5, 2026
Rate checked
More details - Soo Co-Op CUTerm Certificates CompoundingCD · 3 months · $5,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings.
Offer: 91 Day term. Compounding.
2.96% interest rate · Effective Oct 5, 2026
Rate checked
More details - Isabella Community Credit UnionCertificates of DepositCD · 3 months · $500 min · 2.80%–3.00% by balance
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 2.80% $10,000 and upYour amount 3.00% Rate checked
More details - LOC Credit UnionShare 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: Minimum certificate deposit of $1,000 required. Penalty for early withdrawal will apply. Automatically renews at maturity for the same term at current prevailing rate unless otherwise noted. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid at maturity; 90 days early withdrawal penalty.
2.97% interest rate · Effective Oct 5, 2026
Rate checked
More details - UnitedOne Credit UnionShare 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: Membership eligibility required. Dividends calculated daily and paid quarterly. 10-day grace period at maturity.
2.97% interest rate · Effective Oct 5, 2026
Rate checked
More details - SCU Credit UnionCertificates of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates fixed for the term. Early withdrawal penalties apply. Insured by NCUA and MSIC.
Offer: Rates fixed for term; penalty may apply for early withdrawal.
2.96% interest rate · Effective Jul 9, 2026
Rate checked
More details - MASSMUTUALShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: $500 minimum deposit to open and earn stated dividend rate and receive Annual Percentage Yield. Early withdrawal penalties apply. Automatic renewal at maturity for 15-Month Promotional into standard 12-Month Share Certificate.
Promotional rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Mechanics Cooperative BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,0002.96% interest rate · Effective Sep 21, 2026
Rate checked
More details - Cambridge Savings BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Must live or work in Massachusetts or New Hampshire (if in Maine, visit a branch or call). Monthly compounding with interest remaining on deposit until maturity. After the account has been opened no additional deposits are permitted. Substantial penalties for early withdrawal may be imposed.
Offer: $10 minimum daily balance required to earn APY. Monthly compounding.
2.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Commerce Bank & TrustCertificates 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: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 90 day CD (Non-IRA). Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
2.96% interest rate · Effective Oct 5, 2026
Rate checked
More details - The Atlantic Federal Credit UnionShare CertificatesCD · 3 months · $500 min · 3.00%–3.50% by balance
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Early withdrawal subject to penalty. Fees may reduce earnings on the account. Rates are subject to change without notice.
Promotional rate · 2.96% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Any balanceYour amount 3.00% $100,000 and up 3.50% Rate checked
More details - America's First Network Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro ratePromotional rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Patriot BankCertificate 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: $500 minimum opening deposit unless otherwise noted. Early withdrawal penalties may apply.
Offer: Promotional rate. Subject to change at any time. Early withdrawal penalties may apply.
2.92% interest rate · Effective Oct 3, 2026
Rate checked
More details - First Federal Bank & Trust3 Month CDCD · 3 months · $0 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Promotional term; renews at maturity for a 6 month term at the rate in effect for 6 month CDs at the time of renewal. A penalty will be imposed for early withdrawal. Fees may reduce account earnings.
Promotional rate · Balance cap $249,999 · Effective Sep 22, 2026
Rate checked
More details - Lakeside BankCertificate of DepositCD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Amount required to open varies by CD. Maximum $250,000.00. Funds must remain on deposit throughout the specified period; funds may not be added once opened. Interest compounded and credited quarterly. Early withdrawal subject to penalty.
Offer: 91 Day CD. Rolls into another 91 day CD at maturity at the rate in effect at that time.
Promotional rate · Balance cap $250,000 · Effective Sep 24, 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