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 811–825 results
- Rio Grande Federal Credit UnionCertificate of DepositCD · 3 months · $500 min · 1.55%–2.75% by balance
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Annual Percentage Yield calculation based on quarterly compounding. Dividends paid quarterly, early withdrawal penalties apply to all certificates. Minimum deposit to open and to maintain to earn interest is $500.00. Rates are subject to change without notice.
1.54% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 1.55% $10,000 and upYour amount 2.75% Rate checked
More details - Horizons North Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Dividends may be withdrawn at member's request. Early withdrawal penalties apply. No setup or maintenance fees.
2.71% interest rate · Effective Jan 2, 2026
Rate checked
More details - Ellafi Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Membership required ($5 par value share). Early withdrawal penalty applies (Terms of 12 months or less: 90 days' dividends; Terms longer than 12 months: 180 days' dividends). 10-day grace period after maturity.
2.72% interest rate · Effective Oct 6, 2026
Rate checked
More details - American Savings BankCertificate of Deposit (CD)CD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000intro rateRequirements
Product: Fixed interest rate until maturity. Non-promotional CDs require a $1,000 minimum balance to open. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Promotional rate for Consumer accounts. Funds must originate from another financial institution.
Promotional rate · 2.71% interest rate · Effective Oct 14, 2026
Rate checked
More details - Coastal1 Credit UnionCertificate Of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Minimum deposit to open $1,000. Interest credited monthly. Early withdrawal penalties apply.
Rate checked
More details - Centreville BankCertificates of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty may apply. $1,000 minimum balance to open.
Offer: Regular APY.
Qualified rate
Rate checked
More details - United Savings BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. Minimum balance to open the account and earn the stated APY is $1,000.00. Rates subject to change without notice.
Offer: Penalty for early withdrawal. Minimum $1,000 to open and to earn the stated APY.
2.69% interest rate · Effective Feb 18, 2026
Rate checked
More details - Kaiperm Credit UnionTerm Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Fixed rates for the term. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Except for Save to Win, Pup, and Student certificates, additional deposits cannot be made after opening.
Offer: Not available for IRA Share Certificates.
2.72% interest rate · Effective Oct 1, 2026
Rate checked
More details - Montecito Bank & TrustCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Simple interest accrues daily and compounds daily. Customers can have interest paid weekly, bi-weekly, monthly, semi-annually, annually, or at maturity (if term is 1 year or less). Early withdrawal penalty may apply.
Offer: Term is 90 days. Penalty for early withdrawal.
2.72% interest rate · Effective Sep 28, 2026
Rate checked
More details - Valley Oak Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Fixed Rate. Penalty imposed for withdrawal prior to maturity.
2.72% interest rate · Effective Oct 1, 2026
Rate checked
More details - Arise Community Credit UnionCertificate AccountCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Quarterly compounding. Minimum opening deposit $500. Dividend rates and APYs are prospective, variable, and may change after account opening. Fees and other conditions may reduce earnings.
Offer: Compounding frequency quarterly.
2.72% interest rate · Effective Dec 1, 2025
Rate checked
More details - 2.75%APY$68 over 3 months on $10,000
Requirements
Product: Rates effective as of October 1, 2026. Penalty may be imposed for early withdrawal. Rates will normally change every Wednesday, but are subject to change at any time.
Offer: Penalty may be imposed for early withdrawal.
2.71% interest rate · Effective Oct 1, 2026
Rate checked
More details - Topside Federal Credit UnionPick-A-Term CertificateCD · 3 months · $100 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Dividends paid at maturity for certificates less than 12 months; compounded and paid quarterly on 1 to 10 year certificates. $100 minimum balance to open and earn APY. Early withdrawal penalties apply.
Offer: Dividends paid at maturity.
2.75% interest rate · Effective Sep 28, 2026
Rate checked
More details - Elevations Credit UnionStandard Certificates of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000with conditionsRequirements
Product: Membership eligibility and one-time $5 membership fee required at account opening. Early withdrawal penalty applies: 30 days of dividends for terms 6 months or less; 180 days of dividends for terms 7 months or more.
Offer: Highest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account.
Qualified rate · 2.72% interest rate · Effective Feb 1, 2026
Rate checked
More details - Bellco Credit UnionTraditional CDCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Open with as little as $500. Early withdrawal penalties may apply. Rates apply to consumer accounts only. Membership eligibility required.
Offer: Minimum balance to earn APY is $500.
2.72% interest rate · Effective Oct 3, 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