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 991–1005 of 2,148 results
- Volt Credit UnionShare Certificates (CD)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000intro rateRequirements
Product: Membership condition requires purchasing and maintaining at least 1 share in a Primary Share account (par value $5.00). Early withdrawal penalties apply based on term length (3 months: 30 days' dividends; 6 months: 60 days' dividends; 9 months: 90 days' dividends; 12 months or greater: 120 days' dividends). Partial withdrawals are not allowed. 10-day grace period after maturity for auto-renewals.
Promotional rate · 2.22% interest rate · Effective Oct 16, 2026
Rate checked
More details - Cherokee State BankCDs (Certificates of Deposit)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: No maintenance fees. FDIC insured fixed rates. Penalties apply for early withdrawal. Minimum balances vary based on term. Renews automatically at interest rate in effect at time of maturity, with 10 days to redeem before locked in. Promotional CDs excluded from standard renewal terms.
2.23% interest rate · Effective Aug 3, 2026
Rate checked
More details - 2.25%APY$56 over 3 months on $10,000
Requirements
Product: No monthly maintenance fees. Access our highest savings rate with certificates. Variety of terms and rates available.
2.25% interest rate
Rate checked
More details - TEN Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Membership with Ten Credit Union required. Funds federally insured by NCUA up to $250,000. Early withdrawal penalties may apply. Automatically renews at maturity at current rate unless indicated otherwise. Withdrawal of dividends before maturity will reduce earnings.
Offer: Dividends credited/paid monthly.
Effective Jan 1, 2026
Rate checked
More details - MPS Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Dividends are paid quarterly and calculated on average monthly balance. Rates are subject to change at any time without notice. Early withdrawals subject to penalty. Renews automatically upon maturity. No setup or maintenance fees.
2.23% interest rate · Effective Oct 5, 2026
Rate checked
More details - Market USA Federal Credit UnionCertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Minimum deposit for most certificates is $500 ($100 for 12 Month Accumulator). Preferred rates require eStatements (and direct deposit of net pay / at least $500/month for standard terms). Dividends are compounded daily and credited monthly.
Offer: Base APY.
Compounded daily · Effective Oct 3, 2026
Rate checked
More details - Oxford Federal Credit UnionShare CertificatesCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
2.25%APYRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) Share Certificates rates are available by phone.
Rate checked
More details - Bank of HawaiiBankohana Standard Rate CDCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000with conditionsRequirements
Product: A Bankohana Checking account is required to open and maintain a Bankohana CD ($500 minimum opening deposit).
Qualified rate · 2.25% interest rate · Effective Dec 29, 2025
Rate checked
More details - Farmers Savings BankCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Opening deposit requirement $500.
Offer: Early withdrawal penalty may apply.
2.23% interest rate · Effective Sep 23, 2026
Rate checked
More details - Lakota FCUShare CertificateCD · 3 months · $250 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Designed for longer-term savings goals. Interest earned is paid upon maturity.
2.25% interest rate · Balance cap $25,000
Rate checked
More details - Jersey Central Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Available to Jersey Central FCU members only. Requires maintaining a Share Savings account to establish membership. Penalty assessed for early withdrawal before maturity. Upon maturity, funds are deposited into Share Savings unless otherwise specified.
Offer: APY assumes all dividends are reinvested for the term of the certificate. Early withdrawal fees may reduce yields.
2.23% interest rate
Rate checked
More details - Charles River BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Rates are guaranteed for the length of the term on fixed-rate certificates. For variable rate accounts, the rate may change after the account is opened. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
2.23% interest rate · Effective Sep 30, 2025
Rate checked
More details - UNITE Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Rates are subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. Member may elect interest to be added back to the certificate, deposited to an account or check to be mailed.
2.23% interest rate · Compounded quarterly · Effective Aug 1, 2026
Rate checked
More details - Foothills Credit UnionCertificate of Deposit (CD)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Fixed rate at a fixed term. Automatic renewal at maturity for the same term at the current market rate. Early withdrawal penalty is 90 days worth of interest.
2.23% interest rate · Effective Dec 19, 2025
Rate checked
More details - Los Angeles Police Federal Credit UnionTerm Share CertificatesCD · 3 months · $500 min · 2.25%–2.35% by balance
Credit union · Add a location to see nearby branches
2.25%APY$56 over 3 months on $10,000intro rateRequirements
Product: Deposits are federally insured up to $250,000 by NCUA. Available to sworn and civilian law enforcement personnel and family members in Southern California.
Offer: Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply.
Promotional rate · Effective Mar 2, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $49,999Your amount 2.25% $50,000 – $99,999Jumbo tier. 2.30% $100,000 and upSuper Jumbo tier. 2.35% 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
2,148 CDs at 1,939 banks and credit unions · checked Oct 22–25
- Typical
- 2.01%
- Top 10% from
- 3.75%
- Banks, typical
- 1.90%
- Credit unions, typical
- 2.17%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank