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 451–465 results
- EdiFi Credit UnionCertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Effective Oct 22, 2026
Rate checked
More details - Rio Grande Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Rio Grande Credit Union membership is required. Assumes principal and interest remain on deposit for the term of the Certificate. Substantial penalties may be imposed for early withdrawal and could reduce earnings.
Offer: Substantial penalties may be imposed for early withdrawal and could reduce earnings.
3.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - Arbuckle Federal Credit UnionShare Certificates ($1,000 – $99,999)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,0003.26% interest rate · Balance cap $99,999 · Effective Jan 14, 2026
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More details - WEE Federal Credit UnionCertificates of DepositCD · 3 months · $100 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: All dividends earned on share certificates will be forfeited if funds are withdrawn before maturity. Dividends paid at maturity.
Offer: May add to this Certificate. Paid at maturity. Early withdrawal forfeits all earned dividends.
3.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - SESLOC Credit UnionTraditional Share CertificateCD · 3 months · $1,000 min · 3.30%–3.45% by balance
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Dividends compound monthly. Early withdrawal penalties apply. Partial early withdrawal reducing principal below tier minimum results in account closure. Minimum opening deposit $1,000.
3.25% interest rate
Rate by balance
Rate by balance for Traditional Share Certificate Balance APY $1,000 – $50,000Your amount 3.30% $50,000 – $100,000 3.35% $100,000 – $200,000 3.40% $200,000 and up 3.45% Rate checked
More details - First National Bank in OlneyCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
3.25% interest rate · Effective Sep 15, 2026
Rate checked
More details - Citizens National Bank of AlbionCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Minimum deposit required to open all accounts is $1,000.00 unless otherwise stated.
Offer: 91 Day Certificates. A penalty may be imposed for early withdrawal.
3.25% interest rate · Effective Sep 22, 2026
Rate checked
More details - First Federal Savings BankCertificates of Deposit (CDs)CD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Early withdrawal penalties apply (90 days interest for terms <= 1 year; 180 days interest for terms > 1 year). Auto-renewable at interest rate in effect on renewal date.
Offer: Compounded monthly.
3.25% interest rate · Compounded monthly
Rate checked
More details - Kings Federal Credit Union3 Month CertificateCD · 3 months · $1,000 min · 3.30%–3.40% by balance
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Early withdrawal penalties apply. APY assumes principal and dividends remain on deposit for the length of the term. Fees may reduce earnings.
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 3 Month Certificate Balance APY $1,000 and up 3.30% $10,000 and upYour amount 3.30% $75,000 and up 3.40% Rate checked
More details - Mutual Savings Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Early withdrawal penalties apply for share certificates. Rates quoted are best available and subject to change.
Effective Oct 1, 2026
Rate checked
More details - Pioneer Trust BankTime Certificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Fixed rate for term of CD. Minimum deposit to open an account is $500.00. Automatic renewal or payment upon maturity. Early withdrawal penalty applies.
Offer: Quarterly compounding.
3.25% interest rate · Effective Oct 3, 2026
Rate checked
More details - West Virginia Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000Requirements
Product: Dividends compound and credit monthly. Additional deposits are not permitted. Early withdrawal penalty applies: terms 12 months or less have a 90-day penalty; terms over 12 months have a 180-day penalty.
3.26% interest rate · Effective Mar 18, 2026
Rate checked
More details - Salem School System Credit UnionPreferred SharesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,000intro rateRequirements
Product: Accepting new funds only. Must indicate deposit is for Preferred Shares. Rate to be paid at end of quarter (9-30-2026). Entire account balance withdrawal permitted after end of term with 30 days notice before end of quarter. Automatic renewal for next quarter unless withdrawn during 10-day grace period.
Offer: Accepting new funds only. Rate to be paid at end of quarter 9-30-2026. 30 days notice before end of quarter required for withdrawal. 10-day grace period after quarter end.
Promotional rate · 3.25% interest rate
Rate checked
More details - Churchill County Federal Credit UnionCertificate of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$81 over 3 months on $10,0003.25% interest rate · Effective Feb 1, 2026
Rate checked
More details - BankVistaCertificates of Deposit (CDs)CD · 3 months · $1,000 min · 3.29%–3.91% by balance
Bank · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. FDIC insured up to $250,000. $1,000 minimum deposit to open (specials may differ). Effective 2026-10-22.
Offer: Compounding: Interest At Maturity. Early withdrawal penalty may apply.
3.25% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 – $50,000Your amount 3.29% $50,000 – $100,000 3.55% $100,000 – $250,000 3.85% $250,000 and up 3.91% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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