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 376–390 results
- North Valley BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.49%APY$86 over 3 months on $10,000Requirements
Product: Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
Offer: APY assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually, whichever occurs first.
3.45% interest rate · Effective Oct 16, 2026
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More details - American Bank (Baxter Springs, KS)Certificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.49%APY$86 over 3 months on $10,0003.45% interest rate · Effective Oct 1, 2026
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More details - Kendall BankCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.49%APY$86 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain the stated APY. APY and interest rate may change at any time. Fees may reduce earnings.
Offer: Interest is compounded and credited at maturity. A penalty may be imposed for early withdrawal.
3.45% interest rate · Effective Sep 1, 2026
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More details - Nymeo Federal Credit UnionShare CertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
3.46%APY$85 over 3 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal on certificate accounts. Fees could reduce earnings.
3.41% interest rate · Effective Oct 8, 2026
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More details - Peoples Trust & Savings BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.46%APY$85 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum opening deposit of $500.00. Rates are subject to change without notice.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Effective Jul 14, 2026
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More details - Cornhusker BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.46%APY$85 over 3 months on $10,000Requirements
Product: *The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. The withdrawal of interest before maturity will reduce earnings and may reduce the APY. A penalty will be imposed for an early withdrawal. Visit a Cornhusker Bank location to open all additional CD terms.
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More details - Tarrant County's Credit UnionCertificates of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,000Requirements
Product: $1,000 minimum to open and obtain disclosed annual percentage yield. Interest compounds monthly and is paid monthly. Early or partial withdrawal of certificate may result in a penalty.
3.40% interest rate · Balance cap $49,999.99
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More details - Forbright BankBranch Certificates of DepositCD · 3–5 months · $1,000 min
Bank · Add a location to see nearby branches
3.45%APYRequirements
Product: Available at branch locations. Interest calculated daily and credited quarterly. Early withdrawal penalties apply. Paper statements provided at no charge.
3.39% interest rate · Effective Oct 3, 2026
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More details - Rocky Mountain Credit UnionTerm CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,000Requirements
Product: Requires Membership Savings with a minimum $20 balance. Cannot add to certificate during term.
3.40% interest rate · Effective Oct 1, 2026
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More details - Clarion County Community BankCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,000with conditionsRequirements
Offer: With relationship
Qualified rate · Effective Nov 12, 2025
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More details - Alliance Community BankCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
3.40% interest rate · Effective Sep 24, 2026
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More details - South Bay Credit UnionShare Certificate AccountsCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,000Requirements
Product: Minimum balance $1,000. All accounts are insured to $1,000,000 by American Share Insurance. Online-only certificate promotions are available to current members through home banking or mobile banking only. Early withdrawal penalties apply. 9-month and 13-month certificates auto-renew to a 12-month certificate at maturity.
Offer: Not available for IRA accounts.
3.40% interest rate
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More details - Trumark Credit UnionCertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,0003.40% interest rate · Effective Sep 18, 2026
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More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Monthly compounding/payment available on deposits over $10,000.00.
3.40% interest rate · Effective Sep 16, 2026
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More details - Illinois State Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$85 over 3 months on $10,000Requirements
Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.40% interest rate · Effective Jul 31, 2026
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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 22–24
- 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