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 706–720 results
- Beginnings Credit UnionCertificatesCD · 3 months · $500 min · 3.00%–3.25% by balance
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.
Offer: Compounded monthly. Penalty for early withdrawal.
Compounded monthly · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.00% $25,000 and up 3.10% $100,000 and up 3.25% Rate checked
More details - VyStar Credit UnionPersonal CDCD · 3 months · $500 min · 3.00%–3.10% by balance
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
2.96% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 3.00% $50,000 and up 3.10% Rate checked
More details - Liberty Bay Credit UnionCertificates of Deposit (CDs)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Dividends are compounded daily and paid monthly. Rates are fixed and guaranteed for the term of the certificate. Early withdrawals of principal are subject to penalty.
2.96% interest rate · Compounded daily · Effective Jun 17, 2026
Rate checked
More details - Oklahoma Community Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Low minimum opening balance of $1,000. Dividends compounded monthly. Penalties apply for early redemption of certificate funds other than dividends.
Promotional rate · 2.96% interest rate · Compounded monthly
Rate checked
More details - Andover State BankCertificate of Deposit (CD)CD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Pairing with Premier Checking allows a one-time $2,500 penalty-free withdrawal. Interest compounds quarterly and credits monthly; earnings may be reinvested, deposited into another account, or paid directly. Automatically renews at current rate upon maturity with a 10-day grace period to add funds or change term.
Rate checked
More details - KC Fairfax Federal Credit UnionShare CertificateCD · 3 months
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Offer: Term: 90 Days
3.00% interest rate · Effective Dec 30, 2025
Rate checked
More details - Eastbank, N.A.Certificate of Deposit (CD)CD · 3 months · $2,500 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Interest is compounded daily and paid at maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalties may apply. Interest compounded daily and paid at maturity.
2.96% interest rate · Compounded daily · Balance cap $100,000 · Effective Jun 30, 2026
Rate checked
More details - NextStep Federal Credit UnionCertificate AccountsCD · 3 months
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Step-up option available on 36-60 month certificates. Additional 10 basis points (0.10%) for deposits over $50,000.
2.96% interest rate
Rate checked
More details - Springfield City Employees Credit UnionCertificates of DepositCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Minimum deposit amount of $1,000.00. Dividends are paid on a monthly basis and at maturity. Early withdrawals limit the interest rate to lowest interest paid.
Offer: Term is 90 Days. Minimum deposit $1,000.
3.00% interest rate
Rate checked
More details - Neches Federal Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000 - Travis County Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Minimum deposit $1,000; Maximum deposit $250,000.
Offer: Minimum deposit $1,000; Maximum deposit $250,000.
2.96% interest rate · Balance cap $250,000 · Effective Jan 1, 2026
Rate checked
More details - Shell FCUShare CertificatesCD · 3 months · $500 min · 3.00%–3.15% by balance
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.00% $25,000 and up 3.00% $50,000 and up 3.15% $100,000 and up 3.15% Rate checked
More details - Kennett Trust BankCertificates of Deposit (CDs)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. Fees may reduce earnings.
Offer: Penalty for early withdrawal. Fees may reduce earnings.
2.96% interest rate · Effective Jul 17, 2026
Rate checked
More details - Rio Blanco Schools FCUShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Offer: Dividend rate for $500 and up
2.97% interest rate · Effective Apr 13, 2026
Rate checked
More details - Redwood Credit UnionPersonal Savings CertificatesCD · 3–5 months · $1,000 min
Credit union · Add a location to see nearby branches
3.00%APYwith conditionsRequirements
Product: Must be an RCU Member (live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of a current Member; or work for a Select Employer Group). $1,000 minimum deposit. Early withdrawal penalty applies.
Offer: Standard rate without active checking.
Qualified rate · 2.96% interest rate · Effective Sep 16, 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