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 901–915 results
- Wichita Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: Minimum opening deposit: $500. Terms available from 3 months to 5 years. Automatic renewal available at maturity. Early withdrawal penalty applies (90 days interest for terms up to 6 months, 180 days interest for terms 1 year and longer).
Offer: Early withdrawal penalty: 90 days interest. Dividend period: Quarterly.
2.48% interest rate · Effective Sep 30, 2025
Rate checked
More details - 3Rivers Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: Early withdrawal penalty applies and varies by term (Under 1 year = 30 days' dividends; 12-36 months = 180 days' dividends; over 36 months = 365 days' dividends; Any Purpose Savings = 90 days' dividends). Dividends compound daily and deposit on the last business day of each month. Automatic renewal at maturity.
Offer: Early withdrawal penalty is 30 days' dividends.
2.47% interest rate · Effective Oct 22, 2026
Rate checked
More details - The Southern Credit UnionTerm Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: Minimum opening deposit is $500.00. 91-day and 182-day certificates are simple interest certificates with dividends credited at maturity and monthly respectively. Other terms have dividends compounded and credited quarterly. Term Share accounts are subject to credit union membership.
Offer: 91-day term. Simple interest certificate; dividends credited at maturity. Minimum opening deposit $500.00.
Effective Oct 1, 2026
Rate checked
More details - Combined Employees Credit UnionShare Savings CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
2.48% interest rate · Effective Sep 1, 2026
Rate checked
More details - The Cecilian BankCertificate of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000 - Sound Community BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000with conditionsRequirements
Product: Early withdrawals subject to penalty. Interest compounded monthly. Minimum opening deposit $1,000 ($500 for minors). Clients with a checking account receive the 'with Checking' rate; clients without a checking account receive the 'without Checking' rate. 18 Month Bump CD includes option to bump interest rate once during initial term to current 18-month Bump Rate.
Offer: With checking account
Qualified rate · 2.47% interest rate · Compounded monthly · Effective Oct 19, 2026
Rate checked
More details - Border FCUTerm Share Certificate (Certificate of Deposit)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Effective Oct 1, 2026
Rate checked
More details - Solvay BankCertificates of Deposit (CDs)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
2.47% interest rate
Rate checked
More details - Sun Community Federal Credit UnionShare CertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: Fixed rate. Interest is compounded and credited monthly.
Offer: Early withdrawal penalty: loss of 90 days of dividends on principal amount withdrawn for terms less than one year.
2.47% interest rate · Effective Oct 7, 2026
Rate checked
More details - Summit Credit UnionRegular CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: Minimum balance to open is $500. Early withdrawal penalties apply.
2.47% interest rate · Effective Oct 16, 2026
Rate checked
More details - Wolf River Community BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: Minimum balance to open is $1,000.00. No deposits can be added. Early withdrawals of principal prior to maturity date will result in substantial penalties and account closure. Interest credited at maturity on CDs less than 12 months; quarterly compounding on accounts 12 months and over. Fees may reduce earnings.
Offer: Interest credited at maturity. Fees may reduce earnings.
2.48% interest rate · Effective Oct 14, 2026
Rate checked
More details - Thrive Credit UnionShare CertificatesCD · 3 months
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.
Offer: Dividends posted monthly.
2.48% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - Marblehead BankCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: $500 minimum deposit to open account and minimum balance to obtain APY. Terms ranging from 3 months to 3 years. Interest compounded and paid monthly. Automatic renewal. Early withdrawal penalty may be imposed.
2.47% interest rate · Effective Oct 15, 2026
Rate checked
More details - Westerly Community Credit UnionPremier 3 Month CD SpecialCD · 3 months · $500 min · 2.50%–3.00% by balance
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000with conditionsRequirements
Product: Features 1 penalty-free withdrawal and unlimited deposits. Requires a WCCU Checking Account at opening to receive the premier rate. If the checking requirement is not met, the traditional 3 month certificate of deposit interest rate, as listed on the website at the time of default, will be applied for the duration of the term. One penalty free withdrawal allowed during CD term, unless the withdrawal occurs within 6 days of initial deposit or within 6 days of a previous withdrawal.
Offer: Requires WCCU Checking Account at opening; minimum daily balance to earn APY is $500 to $24,999.99.
Qualified rate · 2.47% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier 3 Month CD Special Balance APY $500 – $25,000Your amount 2.50% $25,000 – $50,000 2.65% $50,000 – $100,000 2.85% $100,000 and up 3.00% Rate checked
More details - 2.50%APY$62 over 3 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000.00. A minimum daily balance of $10.00 is required to earn the APY. Penalty for early withdrawal.
2.48% interest rate · Effective Oct 6, 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