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 1291–1305 of 2,149 results
- Vision One Credit UnionSavings CertificateCD · 3–11 months · $1,000 min · 1.40%–4.00% by balance
Credit union · Add a location to see nearby branches
1.40%APYRequirements
Product: A $1,000 minimum balance is required to earn APY, unless otherwise stated. Flexible Savings Certificate requires $500 minimum balance for APY; Bump-Up Savings Certificate requires $10,000 minimum balance for APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: 6 Month Savings Certificate (3-11 Month Term)
1.38% interest rate · Effective Mar 1, 2025
Rate by balance
Rate by balance for Savings Certificate Balance APY $1,000 – $24,999Your amount 1.40% $25,000 – $49,999 1.45% $50,000 – $89,999 1.45% $90,000 – $249,999 1.50% $250,000 – $349,999 4.00% $350,000 and up 4.00% Rate checked
More details - BayPort Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.36%APY$34 over 3 months on $10,000with conditionsRequirements
Product: Dividend rate is based on member relationship at certificate purchase (Premier/Select, Preferred, or Regular). If the account changes to Classic Relationship before maturity, the dividend rate reverts to the regular dividend rate in effect at account opening. Dividends compound monthly except for the 91-day Share Certificate, which pays at maturity. 13-month Special replaced historical 9-month Special. Members under 25 qualify for 30-month certificate with $100 minimum. 25-month Flex certificate auto-renews to 24-month at new rate and allows three one-time options (rate bump, deposit, withdrawal).
Offer: 91-day. Premier / Select Relationship.
Qualified rate · 1.35% interest rate
Rate checked
More details - Belco Community Credit UnionCertificate AccountCD · 3 months · $1,000 min · 1.31%–1.46% by balance
Credit union · Add a location to see nearby branches
1.36%APY$34 over 3 months on $10,000Requirements
Product: Terms from 3 to 60 months. Most certificates (12–60 months) require a $500 minimum opening deposit and minimum balance; 3-, 6-, and 9-month terms require $1,000. Listed yields available if dividends are paid back to the certificate monthly. Early withdrawal penalty may reduce earnings. No annual fee. Balance tiers of $10K, $50K, and $75K earn higher rates.
Offer: Shorter-term options (3, 6, and 9 months) require a $1,000 minimum deposit. Listed yield if dividends are paid back to the certificate monthly. Early withdrawal penalty may apply.
1.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $1,000 and up 1.31% $10,000 and upYour amount 1.36% $50,000 and up 1.41% $75,000 and up 1.46% Rate checked
More details - Purdue Federal Credit UnionFixed-Rate Share CertificatesCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
1.36%APY$34 over 3 months on $10,000Requirements
Product: Membership eligibility required. Subject to approval. $5 deposit in Member Ownership Share required.
Offer: Silver Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
1.35% interest rate · Compounded daily
Rate checked
More details - National Capital BankPlatinum Account Holders Certificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.36%APY$34 over 3 months on $10,000with conditionsRequirements
Product: For Platinum account holders. Rate is 0.10% higher than standard CD rates and may differ at renewal. Early withdrawal penalty and fees could reduce earnings. For Platinum Checking and ePlatinum Interest Checking, one penalty-free withdrawal up to $2,500 allowed under specified balance and time conditions.
Offer: Early withdrawal penalty: 30 days' simple interest.
Qualified rate · 1.35% interest rate · Effective Feb 19, 2026
Rate checked
More details - Nebraska State Employees Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.36%APY$34 over 3 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Rates are subject to change.
1.35% interest rate · Effective Sep 1, 2026
Rate checked
More details - HEB Federal Credit UnionTerm Share CertificateCD · 3 months · $1,000 min · 0.95%–1.35% by balance
Credit union · Add a location to see nearby branches
1.35%APY$34 over 3 months on $10,000Requirements
Product: Fixed rate paid until maturity date. Minimum $1,000 to open and earn dividends for tier 1 ($1,000.00 - $9,999.99); $10,000 to open and earn dividends for tier 2 (greater than $9,999.99). If account balance falls below disclosed minimum balance requirement, early withdrawal penalties will be assessed and account will be closed. Additional deposits after opening not permitted until maturity date. Early withdrawal penalty applies: 90 days dividends for terms 11 months or less (or 6 months or less per web page), 180 days dividends for 12 to 24 months, 365 days dividends for 36 months or greater. Automatic renewal at maturity with a 10-day grace period.
Offer: Requires $1,000.00 each day to earn dividends.
0.95% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 – $10,000 0.95% $10,000 and upYour amountRequires $10,000.00 each day to earn dividends. 1.35% Rate checked
More details - Mid Minnesota Federal Credit UnionTraditional Term Share CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.35%APY$34 over 3 months on $10,000intro rateRequirements
Product: Minimum deposit of $500. Terms vary from 3 to 48 months.
Offer: Not available as an HSA or IRA.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Credit Union of DenverCertificates - TraditionalCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.35%APY$34 over 3 months on $10,000Requirements
Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.
Offer: Compounds monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
Rate checked
More details - BayPort Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.31%APY$33 over 3 months on $10,000with conditionsRequirements
Product: Dividend rate is based on member relationship at certificate purchase (Premier/Select, Preferred, or Regular). If the account changes to Classic Relationship before maturity, the dividend rate reverts to the regular dividend rate in effect at account opening. Dividends compound monthly except for the 91-day Share Certificate, which pays at maturity. 13-month Special replaced historical 9-month Special. Members under 25 qualify for 30-month certificate with $100 minimum. 25-month Flex certificate auto-renews to 24-month at new rate and allows three one-time options (rate bump, deposit, withdrawal).
Offer: 91-day. Preferred Relationship.
Qualified rate · 1.30% interest rate
Rate checked
More details - Financial Resources FCUTerm CertificatesCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
1.31%APYwith conditionsRequirements
Product: Minimum deposit $500 required. Early withdrawal penalty applies. Dividends credited monthly or at term end.
Offer: Relationship Premium Rate tier.
Qualified rate · 1.30% interest rate
Rate checked
More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 3–6 months · $1,000 min
Bank · Add a location to see nearby branches
1.31%APYRequirements
Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
Offer: Loyalty Program Bronze Tier (Base + 0.20% IR) (91-181 Days)
Effective Oct 9, 2026
Rate checked
More details - Panhandle Federal Credit UnionShare CertificatesCD · 3 months · $250 min · 1.31%–1.81% by balance
Credit union · Add a location to see nearby branches
1.31%APY$33 over 3 months on $10,000Effective Oct 27, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $250 – $25,000Your amount 1.31% $25,000 – $75,000 1.51% $75,000 and up 1.81% Rate checked
More details - Jonah Bank of WyomingCertificate of Deposit (CD)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
1.31%APY$33 over 3 months on $10,000Requirements
Product: Interest compounds daily; begins accruing day of deposit. Early withdrawal penalties apply: 2 months of interest for terms 1 year or less; 4 months of interest for terms greater than 1 year.
1.30% interest rate · Effective Dec 1, 2025
Rate checked
More details - Parda Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.31%APY$32 over 3 months on $10,000Requirements
Product: Membership required. Account qualifications apply. Early withdrawal penalty applies. Maximum amount for the Share Certificate Special per member is $100,000. 91-Day, 12-Month Jumbo, and 13-Month Special Certificates are not available as an IRA certificate.
Offer: 91 Days term. Dividend paid at maturity. Not available as an IRA certificate.
1.30% interest rate
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
2,149 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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