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 1021–1035 of 2,149 results
- First National BankStandard Term CDsCD · 3–5 months · $1,000 min
Bank · Add a location to see nearby branches
2.12%APYRequirements
Product: Funds remain on deposit until maturity. Premier Checking customers receive a 0.10% increase on Certificates of Deposit.
2.10% interest rate · Effective Oct 14, 2026
Rate checked
More details - Iron Workers Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.12%APY$53 over 3 months on $10,0002.10% interest rate
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More details - PenAir Credit UnionCertificate AccountCD · 3 months
Credit union · Add a location to see nearby branches
2.10%APY$52 over 3 months on $10,000Requirements
Product: Open to those who live, work, go to school, or worship in 17 counties from Mobile County, Alabama to Leon County, Florida. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
2.08% interest rate · Effective Sep 30, 2026
Rate checked
More details - Red Canoe Credit UnionRegular Certificate AccountCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.10%APY$52 over 3 months on $10,000Requirements
Product: Earnings are paid out and grow each month. Have certificates transfer to savings or automatically renew. Premier Plus Checking members receive a 0.25% APY certificate rate bump valid on new certificate accounts (must maintain Premier Plus).
2.08% interest rate
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More details - The MINT National BankCertificates of DepositCD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
2.10%APY$52 over 3 months on $10,000intro rateRequirements
Product: Interest compounds daily and is paid monthly (added back to certificate or deposited to an account). Substantial penalty for early withdrawal. Minimum deposit to open CD is $10,000.
Promotional rate · 2.08% interest rate · Effective Sep 23, 2026
Rate checked
More details - Bay Cities CUStar CertificatesCD · 3 months · $2,000 min · 1.67%–2.45% by balance
Credit union · Add a location to see nearby branches
2.08%APY$52 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Dividends compounded daily.
Offer: Daily dividend calculation, daily compounded. Account code I54M. Early withdrawal penalty may apply.
1.66% interest rate · Compounded daily
Rate by balance
Rate by balance for Star Certificates Balance APY $2,000 – $4,999 1.67% $5,000 – $9,999 1.85% $10,000 – $24,999Your amount 2.08% $25,000 – $49,999 2.25% $50,000 – $99,999 2.35% $100,000 and up 2.45% Rate checked
More details - Henderson Federal Savings BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.08%APY$52 over 3 months on $10,000Requirements
Product: Require a penalty for early withdrawal. $500 minimum balance. Automatic Renewal at New Rate. Interest may be paid monthly or quarterly by check or transferred to your checking account or left to accrue in your CD. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Offer: Compounding: None. Early withdrawal penalty applies. Automatic renewal at new rate.
2.05% interest rate · Effective Sep 1, 2026
Rate checked
More details - Bridgeton Onized Federal Credit UnionRegular Share Certificate of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.08%APY$52 over 3 months on $10,000Requirements
Product: Secured by NCUSIF. Can open with as little as $1,000. Terms from six months to five years. Membership eligibility required.
Effective Oct 1, 2026
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More details - Grinnell State BankCertificates of DepositCD · 3 months · $1,000 min · 2.07%–2.27% by balance
Bank · Add a location to see nearby branches
2.07%APY$51 over 3 months on $10,000Requirements
Product: Early withdrawal penalty may be imposed. Fees could reduce earnings. Funds accepted for deposit are required to be in-state or funds held within the State of Iowa. Maximum of $250,000 for non-personal (entity) depositor.
2.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 2.07% $15,000 and up 2.17% $50,000 and up 2.27% Rate checked
More details - Great Plains National BankConsumer Certificate of DepositCD · 3 months
Bank · Add a location to see nearby branches
2.07%APY$51 over 3 months on $10,000Requirements
Product: Earn a fixed rate of interest for a fixed period of time.
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More details - Motion Federal Credit UnionShare CertificatesCD · 3–5 months
Credit union · Add a location to see nearby branches
2.07%APY2.05% interest rate
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More details - Wayne County BankCertificates of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.05%APY$51 over 3 months on $10,000Requirements
Product: Interest will not be compounded and will be credited at maturity. Early withdrawal penalties apply.
Offer: Interest credited at maturity; not compounded.
2.05% interest rate · Effective Sep 18, 2026
Rate checked
More details - Service One Credit UnionHigh Yield CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.05%APY$51 over 3 months on $10,000Requirements
Product: Early withdrawal of any of the principal funds before the maturity date will cost a penalty equal to 90-180 days of dividends. Rates may change after account is opened.
Rate checked
More details - Coast360 Federal Credit UnionTerm SharesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.05%APY$51 over 3 months on $10,000Requirements
Product: Coast360 membership is required. Must maintain the minimum daily balance in the account each day to obtain the disclosed APY. Dividends credited at maturity. Early withdrawal penalty: forfeit all dividends earned up to date of withdrawal and effectuate account closure. Returned item and early account closure fees apply.
Effective Oct 1, 2026
Rate checked
More details - ELGA Credit UnionCertificateCD · 3 months · $1,000 min · 2.05%–2.25% by balance
Credit union · Add a location to see nearby branches
2.05%APY$51 over 3 months on $10,0002.03% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $30,000Your amount 2.05% $30,000 – $100,000 2.10% $100,000 – $250,000 2.15% $250,000 – $500,000 2.20% $500,000 and up 2.25% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 3-month CDs pay nationwide
2,149 CDs at 1,940 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank