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 541–555 results
- River Valley Community Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.21%APY$79 over 3 months on $10,000Requirements
Product: Fixed dividend rate for the term of the certificate. Automatic renewal at maturity unless previously notified. NCUA insured.
3.18% interest rate
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More details - State Bank of CherryCertificate of DepositCD · 1–6 months · $1,000 min
Bank · Add a location to see nearby branches
3.20%APY3.16% interest rate · Effective Oct 1, 2026
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More details - Proponent Federal Credit UnionShare CertificatesCD · 3 months · $500 min · 3.15%–3.25% by balance
Credit union · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,000Requirements
Product: Membership eligibility required. Penalties apply for early withdrawals from certificate accounts. Fees may reduce earnings. Dividends are compounded daily and credited monthly. Funds insured by NCUA up to $250,000 per depositor.
3.11% interest rate · Compounded daily · Effective Oct 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.15% $10,000 – $25,000Your amount 3.20% $25,000 and up 3.25% Rate checked
More details - Raymond James BankCertificates of Deposit (CDs)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Not purchased through Raymond James brokerage account; Term: 90 Days. Substantial penalty for early withdrawal.
3.15% interest rate · Effective Oct 23, 2026
Rate checked
More details - Raymond James BankCertificates of Deposit (CDs)CD · 3 months · $2,000 min
Bank · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Purchased through Raymond James brokerage account; Term: 90 Days. Substantial penalty for early withdrawal.
3.15% interest rate · Effective Oct 23, 2026
Rate checked
More details - Plus Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,000Requirements
Product: Dividends are paid on average daily balance and may be deposited into the certificate or a separate savings account. Early withdrawals from term share certificates result in a penalty.
Offer: Early withdrawal penalty applies.
3.15% interest rate · Effective Sep 19, 2025
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More details - Home Bank of CaliforniaCertificates of DepositCD · 3–5 months · $2,500 min
Bank · Add a location to see nearby branches
3.20%APYRequirements
Product: No service charges. Interest compounded daily and paid monthly. Substantial penalty for early withdrawal. Express Personal Banking online account opening available for select CDs.
3.15% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - First Arkansas Bank & TrustDeposit CertificatesCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,000Requirements
Product: Minimum deposit of $500 for standard CDs ($1,000 for specials). Maximum online account opening deposit is $25,000; for CDs greater than $25,000, contact bank. Interest paid monthly or quarterly. Penalties for early withdrawal.
Offer: Automatically renews for 90 days at prevailing rate. Early withdrawal penalty may apply.
Effective Dec 17, 2025
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More details - Grand Valley BankTime Certificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,000with conditionsRequirements
Product: Grand Valley Bank Star or Senior Account customers are eligible to receive an additional .25% interest on CDs. Minimum opening deposit for Time Deposit accounts is $500.00 unless otherwise stated.
Offer: .25% bonus for Star and Senior Accounts
Qualified rate
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More details - Yampa Valley BankTime CertificatesCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,0003.15% interest rate
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More details - Nusenda Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,000Requirements
Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.
3.15% interest rate · Effective Sep 23, 2026
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More details - Pampa Teachers Federal Credit UnionCertificates of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.20%APY$79 over 3 months on $10,0003.15% interest rate · Effective Feb 25, 2026
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More details - First National BankSpecial Term CDsCD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
3.19%APY$79 over 3 months on $10,000Requirements
Product: Funds remain on deposit until maturity. Current rates established when account is opened. Premier Checking customers receive a 0.10% increase on Certificates of Deposit.
3.15% interest rate · Effective Oct 14, 2026
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More details - PlainsCapital BankPersonal Certificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.19%APY$79 over 3 months on $10,000Requirements
Product: $1,000 minimum is required to open account. A fee will be imposed for early withdrawal from CDs. Fees could reduce the earnings on the account. For CDs with maturities of 7 days through 364 days, interest is paid at the end of the term. For CDs with maturities of 1 year or greater, interest is paid quarterly and can be paid out or capitalized based on customer's discretion. Interest payments requested on a basis more frequent than quarterly will have a reduced APY. Posted APY may vary depending on term chosen.
3.15% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.19%APY$79 over 3 months on $10,000
Requirements
Product: Fees could reduce stated APY. Early withdrawal penalties apply. Rates change weekly.
3.15% interest rate · Effective Sep 30, 2026
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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