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 496–510 results
- Bank ForwardCertificates 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. Opening deposit minimum $500 (or $2,500 for specials). Terms range from 3 months to 5 years. FDIC insured.
3.21% interest rate · Effective Oct 15, 2026
Rate checked
More details - HRCUCertificates of DepositCD · 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: Membership required (live, work, go to school, or worship in NH or York County, ME, or family member of HRCU member; $5 minimum to open membership). Early withdrawal penalty may apply. Dividends based on Average Daily Balance, paid monthly. Rate remains in effect for the term once opened. No setup or maintenance fees. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 ESI).
3.20% interest rate · Effective Oct 22, 2026
Rate checked
More details - Service 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: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.
Offer: Dividends compounded and credited monthly.
3.20% interest rate · Effective Oct 16, 2026
Rate checked
More details - UFCUFixed-Rate CertificateCD · 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: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
3.20% interest rate · Compounded daily · Effective Sep 3, 2026
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More details - The Summit Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Must be a member of The Summit FCU. Share certificate accounts automatically renew at maturity. 7-calendar-day grace period after maturity. Early withdrawal penalty applies (terms of 1 year or less: 90 days dividends; terms of more than 1 year: 180 days dividends).
Offer: 90 Days term. Penalty applies for early withdrawal. Additional deposits not allowed.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - NY TEAM Federal Credit UnionCertificateCD · 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: Restricting each member to purchasing certificates (CDs) worth a maximum of $100,000. Early withdrawal penalties apply. Interest compounds daily and is posted monthly.
3.20% interest rate
Rate checked
More details - Fremont BankPersonal Certificate of DepositCD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Interest compounded and credited monthly. Substantial penalty for early withdrawal. Unless notified, accounts automatically renew at maturity.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.25%APY$80 over 3 months on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid at maturity.
3.21% interest rate · Effective Oct 9, 2026
Rate checked
More details - Montgomery BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000intro rateRequirements
Product: Rates are subject to change daily. Interest is compounded quarterly. Minimum opening deposit for all Certificates of Deposit is $1,000. Early withdrawal of CD principal is subject to an interest penalty ranging from 3 months' interest to 18 months' interest based on original issue term.
Offer: CD Rate bumps do not apply to current 3 month CD special.
Promotional rate · 3.21% interest rate · Compounded quarterly
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More details - Newburyport BankCertificates 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: Substantial penalty for early withdrawal. Fees may reduce earnings.
3.21% interest rate · Effective Oct 15, 2026
Rate checked
More details - Pentucket BankCertificates 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: Substantial penalty for early withdrawal. Fees could reduce earnings.
Offer: Substantial penalty for early withdrawal. Fees could reduce earnings.
3.21% interest rate · Effective Oct 15, 2026
Rate checked
More details - Central BankCertificate of DepositCD · 3–5 months · $2,500 min
Bank · Add a location to see nearby branches
3.25%APYRequirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
3.20% interest rate · Compounded daily · Effective Oct 14, 2026
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More details - Amplify Credit UnionPersonal Certificate of Deposit (CD)CD · 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 deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.
Offer: Minimum balance of $500 required to obtain advertised APY. Funds may be added during term.
3.21% interest rate · Effective Oct 6, 2026
Rate checked
More details - TruPartner Credit UnionShare CertificateCD · 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 investment is $500. Rates available for Regular, TruBenefits, and TruAdvantage membership tiers. Early withdrawal penalty applies.
Offer: TruAdvantage APY membership tier
Effective Sep 1, 2026
Rate checked
More details - Directions Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$80 over 3 months on $10,000Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.20% interest rate · Effective Oct 1, 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 1,932 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