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 31–45 results
- Western Nebraska BankCertificates Of DepositCD · 3 months · $250 min
Bank · Add a location to see nearby branches
4.06%APY$100 over 3 months on $10,0004.00% interest rate
Rate checked
More details - OMB BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$100 over 3 months on $10,000intro rateRequirements
Product: All OMB Bank CDs can be opened online nationwide or at any OMB Bank branch. Requires a $1,000 minimum opening deposit and a minimum balance of $0.01 to earn APY. Rates are fixed for the selected term. Early withdrawal penalties apply.
Offer: Interest compounds at maturity. Renewal rate is based on the 3-month board rate in effect at time of maturity.
Promotional rate · 3.99% interest rate · Effective Oct 15, 2026
Rate checked
More details - DR BankDigital Prime Certificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
4.05%APY$100 over 3 months on $10,000Requirements
Product: Digital certificate of deposit accounts. Must be funded within 30 days to remain open. Early withdrawal penalty applies. Automatic renewal at maturity with 10-day grace period. No maintenance fees.
Offer: Minimum Deposit of $500.00 required. Minimum Daily Balance required to earn APY is $500.00. Early withdrawal penalty is 30 days of interest.
3.98% interest rate · Effective Sep 15, 2026
Rate checked
More details - DR BankPrime Certificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
4.05%APY$100 over 3 months on $10,000Requirements
Product: Interest credited and compounded monthly or at maturity. Early withdrawal penalty applies based on term. Account automatically renews at maturity with a 10-calendar-day grace period. No monthly maintenance fees.
Offer: Early withdrawal penalty is 30 days of interest. Minimum daily balance required to earn APY is $500.00.
3.98% interest rate · Compounded monthly · Effective Sep 15, 2026
Rate checked
More details - Salt City Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$100 over 3 months on $10,000intro rateRequirements
Product: Renew automatically at maturity. Minimum balance $1,000. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 9/30/26.
Offer: Compounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity.
Promotional rate · 3.99% interest rate · Effective Aug 18, 2026
Rate checked
More details - State Bank of IndustryCertificate of DepositsCD · 3 months
Bank · Add a location to see nearby branches
4.01%APY$99 over 3 months on $10,000Requirements
Product: Annual Percentage Yields (APYs) based on quarterly compounding.
Offer: Annual Percentage Yields (APYs) based on quarterly compounding.
3.95% interest rate · Effective Sep 17, 2026
Rate checked
More details - First Federal Savings & Loan AssociationShort Term CertificatesCD · 3 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Fixed rate CD. Length of deposit 1 to 9 Months. Additional deposits of $500 or more allowed at any time. Early withdrawal penalty is 30 days interest (waived upon death or legal incompetence of account holder).
Offer: 3-Month CD = 90 calendar days. Must maintain minimum daily balance of $500 to maintain APY (account may be closed if reduced below $500).
3.87% interest rate · Effective Oct 21, 2026
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More details - AERO FinancialShare Certificate (CD)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000intro rateRequirements
Product: Start saving with just a $500 minimum opening deposit. Terms from 3 months to 60 months. Dividends compound and credit monthly. Withdrawal of dividends prior to maturity will reduce earnings.
Offer: Dividends compound monthly. APY assumes dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.
Promotional rate · 3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 3 months · $500 min · 4.00%–4.05% by balance
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate by balance
Rate by balance for Regular Certificate of Deposit Balance APY Up to $100,000Your amount 4.00% $100,000 and upFor balances > $100K. 4.05% Rate checked
More details - Northern Credit UnionShare CertificatesCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000with conditionsRequirements
Product: Federally insured by NCUA up to $250,000. $500 minimum balance required to open a certificate of deposit ($10,000 minimum for 3-Month, 6-Month, and 10-Month certificates). Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account.
Offer: Best tier. Requires all requirements of Better tier, with combined balances >$25,000.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - First Commonwealth Federal Credit UnionCertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - First U.S. Community Credit UnionShare CertificateCD · 3–12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Product: Federally insured by NCUA up to $250,000. Penalty for early withdrawal; withdrawals will reduce earnings.
Offer: Certificate Special: 3, 6, 9 or 12 Month Special. Fixed rate. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.
Promotional rate · 3.93% interest rate · Effective Oct 16, 2026
Rate checked
More details - Exchange BankPersonal CD - Promotional OfferCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$99 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.
Offer: Offer good for initial term only. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.
Promotional rate · 3.92% interest rate · Balance cap $99,999
Rate checked
More details - Citizens Federal Savings & Loan AssociationCertificate of Deposit (CD)CD · 3 months · $5,000 min
Bank · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,0003.92% interest rate · Effective Oct 9, 2026
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More details - Metropolitan District Employees Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$99 over 3 months on $10,000Requirements
Product: The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. There will be a 10 day period to add or withdrawal from the certificate without penalty. Early withdrawal penalty is half the term of interest.
4.00% interest rate · Effective Oct 15, 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
2,135 CDs at 1,936 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.70%
- Banks, typical
- 1.76%
- Credit unions, typical
- 2.17%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank