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 481–495 results
- Conservation Employees Credit UnionCertificates of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.28%APY$81 over 3 months on $10,000Requirements
Product: Quarterly compounding. Subject to a 90-day early withdrawal penalty.
3.24% interest rate · Effective Oct 20, 2026
Rate checked
More details - Rolette State BankCertificates of Deposit (CDs)CD · 3 months · $5,000 min
Bank · Add a location to see nearby branches
3.28%APY$81 over 3 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: 91 Day CD. Penalty may be imposed for early withdrawal.
3.25% interest rate · Effective Jan 8, 2026
Rate checked
More details - Summit State BankCertificate of DepositCD · 3 months · $1,000 min · 0.10%–3.27% by balance
Bank · Add a location to see nearby branches
3.27%APY$81 over 3 months on $10,000Requirements
Product: Effective 2026-04-17. Early withdrawal penalties dependent on term. Tiered rates. Automatic renewals.
Offer: 90 Day term. Tier 1 ($1,000-$9,999.99).
0.10% interest rate · Effective Apr 17, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 0.10% $10,000 and upYour amount 3.27% Rate checked
More details - Diamond Credit UnionRegular Share CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.26%APY$81 over 3 months on $10,000Requirements
Product: Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
Effective Oct 16, 2026
Rate checked
More details - SUN Credit UnionStandard Certificates of DepositCD · 3 months · $2,000 min
Credit union · Add a location to see nearby branches
3.26%APY$81 over 3 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Minimum deposit as low as $1,000.
3.21% interest rate · Effective Oct 1, 2026
Rate checked
More details - Air Academy Credit UnionCertificatesCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.26%APYRequirements
Product: A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.
Offer: Early withdrawal penalties may apply.
3.21% interest rate · Effective Oct 4, 2026
Rate checked
More details - Concho Valley Credit UnionTerm Share CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Minimum deposits of $1,000. Interest is paid monthly, quarterly, or at maturity, depending on the term of the Certificate.
3.21% interest rate
Rate checked
More details - Clay County State BankCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Fees may reduce earnings. APY if interest paid at maturity
Offer: Minimum to Avoid Fees is $500.
3.25% interest rate · Effective Oct 20, 2026
Rate checked
More details - Family First Federal Credit UnionCertificate AccountsCD · 3–5 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APYRequirements
Product: Rates valid as of 10/23/2026. Fixed rate account. Early withdrawal penalties apply.
Effective Oct 23, 2026
Rate checked
More details - Alternatives Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.
3.20% interest rate · Effective Oct 23, 2026
Rate checked
More details - Teachers Federal Credit UnionCertificate AccountsCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: $1,000.00 minimum balance to earn APY and to open an account. Certificates automatically renew at maturity. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account. Penalty may be imposed for early withdrawal. Maintenance fee is $0.00.
3.20% interest rate · Effective Oct 21, 2026
Rate checked
More details - County Savings BankCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Fixed interest rate until maturity. $500.00 deposit to open account (larger deposit required for special certificate). Penalties may be imposed upon early withdrawal.
Offer: Compounded daily. Rates subject to change and fees may reduce earnings. Penalties may be imposed upon early withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 19, 2026
Rate checked
More details - Stanford Federal Credit UnionCertificatesCD · 3 months · $100 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Premium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus).
Qualified rate · 3.20% interest rate · Effective Sep 18, 2026
Rate checked
More details - Meadowland Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.
3.21% interest rate · Effective Oct 22, 2026
Rate checked
More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 19, 2026.
Offer: Minimum average daily balance to earn APY is $500.
3.21% interest rate · Effective Oct 19, 2026
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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank