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 166–180 results
- Rally Credit UnionCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Automatically renews at maturity to a 1-year term at the then-current rate. Early withdrawal penalties apply and withdrawals reduce APY.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - Meridian BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Interest compounded daily, credited monthly. CDs less than 24 months penalty: 6 months interest; CDs 24 months or greater penalty: 12 months interest. Automatically renews at maturity.
3.68% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - OE Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (3 to 5 months: 30 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$92 over 3 months on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member.
3.69% interest rate · Effective Oct 6, 2026
Rate checked
More details - Exchange BankPersonal CD - New Money Promotional OfferCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000intro rateRequirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.
Promotional rate · 3.68% interest rate · Balance cap $99,999 · Effective Oct 5, 2026
Rate checked
More details - Exchange BankPersonal CD - New Money Promotional OfferCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000intro rateRequirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies. New CDs with a balance of $5,000,000 or more require approval.
Promotional rate · 3.68% interest rate · Effective Oct 5, 2026
Rate checked
More details - Atomic Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
3.68% interest rate
Rate checked
More details - 3.75%APY$92 over 3 months on $10,000with conditions
Requirements
Product: CD rate offered to customers with an active transaction account at Legacy Bank. Existing CD customers currently grandfathered are allowed to renew existing CDs.
Offer: CD rate offered to customers with an active transaction account at Legacy Bank.
Qualified rate · 3.69% interest rate · Effective May 12, 2026
Rate checked
More details - Park Side Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Early withdrawal penalty: Certificate term 12 months or less – 90-day interest penalty. Certificate term over 1 year – 180-day interest penalty.
3.69% interest rate
Rate checked
More details - Baptist Health South Florida FCUPromotional Share CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000intro rateRequirements
Product: Limited time offer valid starting August 2026. $500.00 minimum opening deposit. Advertised APYs include a 0.25% rate increase for new money, requiring opening with at least $10,000 from another financial institution. At maturity, certificate will rollover to the same term at current standard rate unless otherwise directed. Early withdrawal penalty applies and may reduce earnings. Dividends compounded and credited monthly and at maturity. Baptist Health South Florida Federal Credit Union membership required.
Offer: Advertised APY includes a 0.25% rate increase for \"new money.\" To receive this APY, you must open the certificate with at least $10,000 from another financial institution.
Promotional rate
Rate checked
More details - LSB Community BankCertificates of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000intro rateRequirements
Product: Minimum balance to open an account is $2,500 ($500 for minor). Minimum amount to earn APY is $500. Early withdrawal penalty will be imposed if CD is closed prior to maturity.
Offer: New Accounts. Minimum opening balance is $2,500 ($500 minor); minimum to earn APY is $500.
Promotional rate · 3.69% interest rate · Effective Oct 10, 2026
Rate checked
More details - Wings Credit UnionStandard Certificate of DepositCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
3.69% interest rate
Rate checked
More details - United Valley BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000intro rateRequirements
Product: Rates posted as of October 9, 2026. Penalty for early withdrawals may be imposed.
Offer: 91 Day term
Promotional rate · 3.70% interest rate · Effective Oct 9, 2026
Rate checked
More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
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)
Effective Oct 9, 2026
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More details - Empeople Credit UnionShare CertificateCD · 3 months · $5,000 min
Credit union · Add a location to see nearby branches
3.75%APY$92 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: 3 Month Certificate requires a minimum deposit of $5,000. Penalty for early withdrawal.
3.69% interest rate
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
What 3-month CDs pay nationwide
2,137 CDs at 1,936 banks and credit unions · checked Oct 16–23
- Typical
- 2.01%
- Top 10% from
- 3.71%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.21%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank