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 346–360 results
- Building Trades Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000intro rateRequirements
Product: Open to members of eligible unions/affiliated groups and their immediate family or household members. Forfeiture of accrued dividends upon early withdrawal before maturity; principal is not forfeited. Dividends compounded and paid quarterly.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - Bank of CashtonCertificate of DepositsCD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Rate may change after the account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. All interest payments for the advertised APY will be made at the end of the term or quarterly, whichever occurs first. A penalty of 91 days of interest on the amount withdrawn may be imposed for CD terms less than one year. A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice. CDs are automatically renewed after 10 day grace period past maturity.
3.46% interest rate
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More details - Argentine Federal SavingsCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,0003.44% interest rate
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More details - Endurance Federal Credit UnionCertificatesCD · 3 months · $500 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Dividend options include monthly dividend check, transfer to another credit union account, or redeposit into the share certificate. Penalties may apply for early withdrawal.
Offer: Early withdrawal penalty: 30 days.
3.35% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and up 3.40% $10,000 and upYour amount 3.50% $25,000 and up 3.55% $99,000 and up 3.60% Rate checked
More details - Gateway First BankCertificate of Deposit (CD)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: No monthly service fees. Deposit accounts not available in Alaska, California, Georgia, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont. A penalty may be imposed for early withdrawal. Existing CDs automatically renewing for time periods other than those listed will earn the Interest Rate and Annual Percentage Yield for the next-lower CD Term time period.
3.45% interest rate · Effective Sep 30, 2026
Rate checked
More details - United Community BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: CDs opened online have a maximum deposit limit of $500,000. Interest on CDs 12 months or less paid at maturity; longer than 12 months paid annually. Penalty for early withdrawal will apply. Automatic renewal.
Offer: $1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid at maturity.
Effective Oct 1, 2026
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More details - Arise FinancialShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Personal accounts only. Minimum deposit is $500. Dividend penalties may apply for early withdrawals. Compounding is monthly. Fees could reduce earnings.
Offer: Monthly compounding. Minimum to earn APY is $500.
3.45% interest rate · Effective Oct 1, 2026
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More details - Watertown Savings BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000with conditionsRequirements
Product: Available for personal accounts only. Must open and maintain an Active checking account to obtain or renew special CD accounts. Minimum balance to earn advertised APY is $50.00. Early withdrawal penalty may apply. Interest compounds monthly.
Offer: Special Short Term CD. Limited time offer. Must open and maintain an Active checking account. Interest compounds monthly. Early withdrawal penalty may apply.
Qualified rate · 3.45% interest rate · Effective Oct 5, 2026
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More details - Metro Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.
Offer: 3 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 180 days' dividends.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - FedFinancial Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: APY is based on a $1,000 deposit and may vary based on the amount of deposit. Early withdrawal penalty applies: 90 days' dividends for terms less than 1 year, 180 days' dividends for terms of 1 year or more.
Offer: APY is based on a $1,000 deposit and may vary based on the amount of deposit.
3.45% interest rate · Effective Oct 3, 2026
Rate checked
More details - Maine State Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Rates are fixed for the term of the account. Assumes dividends remain on deposit until maturity. Early withdrawal penalty may be imposed and will reduce earnings. Certificates renew at maturity with a 10-day grace period. Subject to membership eligibility. Must be opened with qualifying new money (funds not currently on deposit, or in combination with new money of $20,000+ to fund certificates in excess of $20,000).
3.45% interest rate · Effective Sep 24, 2026
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More details - Northwest BankCertificates of DepositCD · 3 months · $100 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $100. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. APY applies to the initial term of a new Certificate of Deposit.
Offer: 90 Day Fixed Rate. A penalty may be imposed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 1, 2026
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More details - VacationLand Federal Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
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More details - Iron Workers BankCertificates of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Early withdrawal penalty applies. Rates subject to change without notice.
Effective Sep 16, 2026
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More details - Peoples Trust CompanyCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$86 over 3 months on $10,000Requirements
Product: Balances less than $500.00 will not pay interest. Interest is compounded daily on a 365/365 basis. APY assumes interest remains on deposit until maturity. Penalty for early withdrawal.
Offer: Flexible interest payment frequency; 90 days interest penalty for early withdrawal; balances less than $500 do not pay interest.
3.44% interest rate · Compounded daily · Effective Nov 7, 2025
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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
2,135 CDs at 1,932 banks and credit unions · checked Oct 22–23
- Typical
- 2.01%
- Top 10% from
- 3.72%
- Banks, typical
- 1.85%
- Credit unions, typical
- 2.22%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank