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 466–480 results
- City National BankCertificate of DepositCD · 3–5 months · $500 min
Bank · Add a location to see nearby branches
3.29%APYRequirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE: Non-Compounding. Term 90 - 179 days.
3.25% interest rate
Rate checked
More details - Juniata Valley BankCertificates of DepositCD · 3–6 months · $1,000 min
Bank · Add a location to see nearby branches
3.29%APYRequirements
Offer: Term: 90 - 181 Day
3.25% interest rate · Effective Oct 14, 2026
Rate checked
More details - Holyoke Community Federal Credit UnionCDsCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Rates are effective October 1, 2026.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - The Delaware National Bank of DelhiCertificates of DepositCD · 3 months · $100 min
Bank · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: $100 minimum deposit required. Early withdrawal penalty may apply. HSA CDs are offered at the same rates as Certificates of Deposit. May reinvest interest, receive by check, or transfer to another account/financial institution.
Offer: Code A: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.25% interest rate
Rate checked
More details - HomePride BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal; all interest is forfeited for early withdrawal. Interest calculated using Daily Balance Method. Terms range from 91 days to 60 months. Interest payment options: reinvest, transfer to another account, or receive a check.
Offer: 91 Days Money Market Certificate of Deposit. Minimum balance to obtain APY is $1,000.00.
3.25% interest rate · Effective Sep 16, 2026
Rate checked
More details - Alpena Alcona Area Credit UnionRegular CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 90 Day term; interest compounded and credited quarterly
3.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - Century Savings BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Available for those who live in or near the tri-county servicing area (Cumberland, Salem, and Gloucester counties). After certificate is opened, deposits or withdrawals other than earnings are not allowed until maturity. Early withdrawal penalty applies.
Offer: 91 Day term. APY shown assumes quarterly compounding. Interest at maturity or optional monthly check or transfer.
3.25% interest rate · Effective Oct 4, 2026
Rate checked
More details - Minnequa Works Credit UnionCertificates of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Interest is compounded and credited quarterly. Dividends can be added to principal or paid to a share account. Rates subject to change without notice. Early withdrawal penalties apply.
Offer: Compounded/Credited quarterly
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Hometown Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
Offer: Early withdrawal penalty: 90 days dividends.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Heartland State BankCertificates of DepositCD · 3 months · $500 min · 3.19%–3.29% by balance
Bank · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,0003.15% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Over $0 3.19% $10,000 and upYour amount 3.29% Rate checked
More details - First National Bank in PhilipCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: A substantial penalty may be charged on early withdrawal of any Certificate of Deposit. Fees may reduce stated earnings. CD terms range from 3 months to 4 years. Minimum opening deposit of $1,000.00 for all Certificates of Deposit.
Offer: A substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Ft. Randall Federal Credit UnionShared CertificateCD · 3 months · $250 min · 3.29%–3.54% by balance
Credit union · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older.
Offer: $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older.
3.25% interest rate · Effective Mar 18, 2025
Rate by balance
Rate by balance for Shared Certificate Balance APY $250 – $10,000Your amount 3.29% $10,000 – $50,000 3.54% Over $50,000 3.54% Rate checked
More details - First Commerce BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Interest begins to accrue on the day the deposit is made and is calculated by the daily balance method. Penalty will be imposed for early withdrawal.
3.25% interest rate
Rate checked
More details - Farmway Credit UnionShare CertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Automatically renewable. Terms from 3 months to 48 months. Penalties apply for early withdrawal. Dividends calculated by daily balance method and accrue on the business day deposit is made; if closed before crediting, accrued dividends for that period are forfeited.
Offer: Dividend paid at maturity. Dividend deposited to share account or added to certificate at maturity only.
3.25% interest rate · Effective Jul 1, 2025
Rate checked
More details - Christian Family Credit UnionShare CertificatesCD · 3 months · $1,000 min · 3.29%–3.55% by balance
Credit union · Add a location to see nearby branches
3.29%APY$81 over 3 months on $10,000Requirements
Product: Early withdrawals subject to penalty. Membership eligibility required. Opening minimum is $500 according to general disclosures, but rate schedule tiers begin at $1,000.
3.25% interest rate · Effective Oct 3, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $49,999Your amount 3.29% $50,000 and up 3.55% 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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank