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 271–285 results
- Clinchfield Federal Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$89 over 3 months on $10,000Requirements
Product: Minimum deposit of $1,000.00. Dividends credited monthly. Automatically renewed unless specified otherwise. Early withdrawal penalty applies: 30 days dividends for 3 months, 90 days dividends for 6-24 months, 180 days dividends for 36-60 months.
3.54% interest rate
Rate checked
More details - Conservation First BankCertificate of DepositCD · 3 months
Bank · Add a location to see nearby branches
3.60%APY$89 over 3 months on $10,000Requirements
Product: Maturities available from 3 months to 6 years. Interest rates determined based on length and amount of investment. Automatically renews for the same term at the bank's new interest rate upon maturity. Early withdrawal penalties apply and may invade principal.
Offer: Compounding frequency at maturity. Interest is not compounded during the term and is credited at maturity. Early withdrawal penalty equals 1 month's interest and may invade principal. Automatically renews at maturity.
3.60% interest rate · Effective Feb 3, 2026
Rate checked
More details - Corrections Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 3–36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Certificates earn dividends at higher rates than share savings accounts and money market accounts, but require funds to be locked in for a predetermined maturity period. Dividends are paid at maturity.
Offer: APY is stated as 'as high as 3.60%'. Terms offered range from 3 months to 36 months with a minimum deposit of $1,000. Dividends paid at maturity.
Effective Nov 8, 2024
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More details - Provident Credit UnionPick-A-Term CertificatesCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$89 over 3 months on $10,000intro rateRequirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Limited time offer. Dividend rates are fixed for the term of the certificate and not subject to tiered rates. Deposits cannot be added once opened. Institutional deposits are not eligible. Renewals at maturity to the same term at the fixed rate in effect. Early withdrawal penalty applies.
Offer: Limited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible.
Promotional rate · 3.54% interest rate
Rate checked
More details - 3.60%APY$89 over 3 months on $10,000
Requirements
Product: Minimum opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.
3.54% interest rate · Effective Feb 2, 2026
Rate checked
More details - 3.56%APY$88 over 3 months on $10,000
Requirements
Product: Available to customers who live or work in Cumberland or York Counties, Maine, or Rockingham or Strafford Counties, New Hampshire. Early withdrawal penalties and fees could reduce earnings.
3.50% interest rate · Effective Oct 20, 2026
Rate checked
More details - Marquette Savings BankCertificates of DepositCD · 3–5 months · $500 min
Bank · Add a location to see nearby branches
3.56%APYRequirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Interest compounded and credited monthly for terms of 3 to 11 months. Must maintain a minimum balance of $500 to obtain disclosed APY.
3.50% interest rate
Rate checked
More details - Badger BankCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.56%APY$88 over 3 months on $10,000Requirements
Product: No setup or maintenance fees. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless noted. Penalty for early withdrawal. Option CD offers a one-time rate change and a one-time opportunity to add additional funds during the term.
Offer: 90 Day term. Interest paid at maturity.
3.50% interest rate · Effective Oct 14, 2026
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More details - Forest Area Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$88 over 3 months on $10,000 - 3.56%APY$88 over 3 months on $10,000intro rate
Requirements
Product: Interest rate is fixed for the term of the certificate. The 3-month CD renews automatically to a 3-month term at maturity. The 9-month CD and 15-month CD renew automatically to a 12-month term at maturity. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Featured 3-month, 9-month, and 15-month CD specials have a $1,000 minimum to open. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on your account. If you close your account before interest is credited, you will receive the accrued interest.
Offer: Renews automatically to a 3-month term at maturity.
Promotional rate · 3.50% interest rate · Effective Sep 21, 2026
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More details - Gardiner Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$88 over 3 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
3.50% interest rate · Effective Aug 1, 2025
Rate checked
More details - Pennsville National Bank3 Month CDCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.56%APY$88 over 3 months on $10,000Requirements
Product: There is a penalty for early withdrawal for Certificates of Deposits (CD's) before maturity. APY assumes interest stays on deposit. Withdrawal of interest reduces earnings. Fees could reduce earnings.
3.50% interest rate · Effective Sep 10, 2026
Rate checked
More details - Precision Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$88 over 3 months on $10,000Requirements
Product: Fixed dividend rate not changing during certificate term. Dividends calculated from date of deposit and posted monthly on final calendar day. Automatic renewal at maturity for original term with 10-day grace period. Withdrawals of principal allowed with penalty; withdrawals of dividends allowed without penalty.
Offer: Compounding monthly. APY based on minimum deposit.
3.50% interest rate · Effective Sep 18, 2025
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Minimum to open $500. Penalty may be imposed for early withdrawal. Rates subject to change without notice. Minimum balance of $500 required to obtain stated APY. Fees may reduce earnings.
Offer: Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal.
3.50% interest rate · Effective Oct 23, 2026
Rate checked
More details - Veritas Federal Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$88 over 3 months on $10,000intro rateRequirements
Product: Minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
Offer: Earns dividends quarterly. Early withdrawals are subject to penalty.
Promotional rate · Effective Oct 1, 2026
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