Best 3-month CD rates

Requirements

Product: A minimum balance of $500.00 is required to open the account and to obtain the APY. CD rates are fixed for term of account. Automatic renewal. Interest is compounded monthly and paid monthly.

Offer: Interest Credited Monthly. Early withdrawal penalty: 2 months loss of interest on the amount withdrawn.

Requirements

Product: Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.

Offer: Minimum daily balance of $500 required to obtain disclosed APY.

Requirements

Product: Minimum opening deposit $500. Early withdrawal penalty applies. At maturity, certificate closes and funds transfer to member's Regular Savings Account. Fixed APY from account opening until maturity. Fees may reduce earnings.

Offer: Early withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings.

Requirements

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: Without checking account

Requirements

Product: FDIC-insured. Minimum opening balance $500. Automatically renews. Interest credited quarterly. Non-IRA certificates may be pledged as collateral for a share loan. Early withdrawal penalty may apply.

Offer: Quarterly compounding. Early withdrawal penalty may apply.

Requirements

Product: Minimum opening deposit $250. Rates accurate as of 10/22/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.

Offer: Promotional APY 3-month term

Requirements

Product: Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. Guaranteed rates for 3 months at a time. Low investment minimum of $1,000 lump sum or $50 per month. No withdrawal penalties. Pre-approval required for amounts of $2,000,000 or greater.

Offer: Under $10,000 balance tier. Rate declared every 3 months.

Requirements

Product: Dividends paid quarterly. Early withdrawal penalty may apply. Account will automatically renew at maturity unless otherwise noted.

Offer: Dividends paid quarterly. Early withdrawal penalty may apply. Account will automatically renew at maturity unless otherwise noted.

Requirements

Product: Standard and promotional fixed-rate CDs. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. Early withdrawal penalty may apply. Standard CDs opened in-branch only; promotional CDs may be opened in-branch or online.

Offer: May be opened in-branch or online. Maximum balance limits apply. Early withdrawal penalty may apply.

Requirements

Product: Fixed rates. No setup or maintenance fees. Early withdrawal penalty applies. Automatically renews unless action taken during 10-day grace period. Interest credited quarterly or at maturity.

Offer: Early withdrawal penalty of 3 months' interest.

Requirements

Product: Personal accounts only. Minimum balance to open and obtain APY is $1,000.00. A penalty may be imposed for early withdrawal.

Requirements

Product: Penalties for early withdrawal. All certificates require a $500 minimum opening deposit with the exception of the 48 month special and 12 month special requiring a $5,000 deposit.

Offer: 91 Day CD. Penalties for early withdrawal.

Requirements

Product: $500 required to open a Certificate of Deposit, $100 for add-on CD, $100,000 for jumbo CD. Early withdrawal penalty may apply. Membership eligibility required.

Requirements

Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.