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 571–585 results
- Tinker Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min · 2.94%–3.41% by balance
Credit union · Add a location to see nearby branches
3.10%APY$77 over 3 months on $10,000Requirements
Product: Earns monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Deposits may not be made after opened until maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 60 Days.
2.91% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 2.94% $10,000 and upYour amount 3.10% $25,000 and up 3.20% $50,000 and up 3.30% $99,000 and up 3.41% Rate checked
More details - MIT Federal Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.10%APY$77 over 3 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 (for Regular share certificate types) in your account each day to obtain the disclosed APY. Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Dividends are compounded daily and paid monthly. Share Certificate APY assumes dividends are retained in the Certificate.
Offer: 3 Months High Yield. Not eligible for Traditional and Roth accounts.
3.05% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details - Alliant Credit UnionCertificateCD · 3–5 months · $1,000 min
Credit union · Add a location to see nearby branches
3.10%APYRequirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
3.06% interest rate
Rate checked
More details - TruPartner Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.10%APY$77 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: TruBenefits APY membership tier
Effective Sep 1, 2026
Rate checked
More details - North Star Community Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.10%APY$77 over 3 months on $10,000Requirements
Product: Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.
3.06% interest rate · Effective Sep 30, 2026
Rate checked
More details - TTCU Federal Credit UnionCertificatesCD · 3 months · $1,000 min · 3.10%–3.50% by balance
Credit union · Add a location to see nearby branches
3.10%APY$77 over 3 months on $10,000Requirements
Product: Higher dividend rates earned by locking in deposits for a specified period of time. Minimum deposits: $1,000 for standard certificates, $50,000 for jumbo rates, $200,000 for super jumbo rates. 45-day to 60-month terms available. Penalty may be imposed for early withdrawal depending on term and amount; fees could reduce earnings.
Offer: Early withdrawal penalty applies.
3.07% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.10% $50,000 and upJumbo rate tier. 3.30% $200,000 and upSuper jumbo rate tier. 3.50% Rate checked
More details - Oregonians Credit UnionCertificate AccountsCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.10%APY$77 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal of principal. Account fees may reduce earnings.
Offer: Term days: 91 – 180.
3.05% interest rate · Effective Sep 30, 2026
Rate checked
More details - LAFCURegular Term Share CertificatesCD · 3 months · $50 min
Credit union · Add a location to see nearby branches
3.10%APY$77 over 3 months on $10,000Requirements
Product: Open for as little as $50. Additional add-on deposits allowed. Dividends compounded and credited monthly. Penalties for early withdrawal will apply (equal to 90-180 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
Offer: Minimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed.
3.06% interest rate · Effective Jun 29, 2026
Rate checked
More details - Sunward Credit UnionStandard Term CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.10%APY$77 over 3 months on $10,000Requirements
Product: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.
3.06% interest rate · Effective Sep 16, 2026
Rate checked
More details - Seaboard Federal Credit UnionCertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.09%APY$76 over 3 months on $10,000Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.05% interest rate · Effective Oct 7, 2026
Rate checked
More details - Wyoming Community BankCertificateCD · 3 months · $1,000 min · 3.09%–3.29% by balance
Bank · Add a location to see nearby branches
3.09%APY$76 over 3 months on $10,000Requirements
Product: Account terms must be met, if not APY of 0.1% see account for details. Rates subject to change on a daily basis. Penalties may apply for early withdrawal.
Offer: 3 months; Balance $1,000-$25,000
3.05% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $25,000Your amount 3.09% $25,000 – $100,000 3.19% $100,000 and up 3.29% Rate checked
More details - Pioneer State Bank90 Day CertificateCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.09%APY$76 over 3 months on $10,000intro rateRequirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed rate paid until first maturity. Interest compounded daily and credited at maturity. Daily balance method used. No additional deposits allowed before maturity. 7 calendar days grace period after maturity. Early withdrawal penalty equals three months interest on principal withdrawn.
Offer: Substantial penalty for early withdrawal. Minimum balance of $1,000 required to obtain APY.
Promotional rate · Compounded daily · Effective Apr 29, 2026
Rate checked
More details - Land of Lincoln Credit UnionShare Certificates (CDs)CD · 3 months · $1,000 min · 3.07%–3.43% by balance
Credit union · Add a location to see nearby branches
3.07%APY$76 over 3 months on $10,000Requirements
Offer: 3-month - Share Certificates $1,000.00 to $49,999.99. Automatically renewed at maturity for a successive period equal to the original term unless presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
3.03% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Share Certificates (CDs) Balance APY $1,000 – $50,000Your amount 3.07% $50,000 and up3-month - Share Certificates $50,000.00 or Greater. 3.43% Rate checked
More details - Texas Exchange BankCertificates of DepositCD · 3 months · $10,000 min
Bank · Add a location to see nearby branches
3.07%APY$76 over 3 months on $10,000intro rateRequirements
Product: New money rates. Interest is compounded Monthly. APY assumes principal and earned interest remain on deposit until maturity. A penalty may be imposed for early withdrawal.
Offer: Term is 90 Days. New Money rate.
Promotional rate · 3.03% interest rate · Compounded monthly
Rate checked
More details - Texas Exchange BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.07%APY$76 over 3 months on $10,000intro rateRequirements
Product: New money rates. Interest is compounded Monthly. APY assumes principal and earned interest remain on deposit until maturity. A penalty may be imposed for early withdrawal.
Offer: Term is 90 Days. New Money rate.
Promotional rate · 3.03% interest rate · Compounded monthly
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