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 721–735 results
- Silverado 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
Offer: 3 Month Certificate (90 Days)
2.96% interest rate · Effective Sep 7, 2026
Rate checked
More details - Pasadena Federal Credit UnionCertificateCD · 3 months · $10,000 min · 3.00%–3.25% by balance
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Available to qualified Pasadena FCU members. Rates effective as of November 2025 and subject to change. Early withdrawal penalties apply, fees may reduce earnings. Yields based on certificates held to maturity. Dividends paid monthly.
Offer: Min. balance to earn dividends $10,000. Dividends paid monthly.
Promotional rate
Rate by balance
Rate by balance for Certificate Balance APY $10,000 – $100,000Your amount 3.00% $100,000 and up 3.25% Rate checked
More details - Bank of BenningtonCertificate of DepositCD · 3 months · $100 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: All Certificates of Deposit are subject to penalty for early withdrawal. No minimum balance required to earn the posted Annual Percentage Yields (APY).
2.96% interest rate · Effective Aug 31, 2026
Rate checked
More details - Southwest Heritage BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: No setup or maintenance fees. Early closure/withdrawals subject to penalty. Rates are fixed for term and until maturity.
Offer: Must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield.
2.96% interest rate · Effective Jan 26, 2026
Rate checked
More details - First Hawaiian BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000with conditionsRequirements
Product: Available in branch. Personal or business checking account required for promotional rates; Priority Banking checking, Private Banking, or PrimeTime/Primera membership required for Priority CD APYs. Penalty for early withdrawal. Monthly service charge is $0.
Offer: In-branch promotional rate. Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership.
Qualified rate · Effective Sep 3, 2026
Rate checked
More details - American Lake Credit UnionCertificates of DepositCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
3.00%APY$74 over 3 months on $10,000intro rateRequirements
Product: Flexible terms from 3 to 60 months. Open with as little as $500. Federally insured by NCUA up to $250,000 per depositor. Dividends compounded/credited monthly. Additional deposits not allowed. Withdrawals allowed (see transaction limitations).
Offer: 90 Day Certificate. Additional deposits not allowed. Withdrawals allowed (see transaction limitations). Dividends compounded/credited monthly.
Promotional rate · 2.96% interest rate
Rate checked
More details - First PREMIER BankCertificates of DepositCD · 1–6 months · $500 min
Bank · Add a location to see nearby branches
2.99%APYRequirements
Offer: A penalty may be imposed for early withdrawal. APY is 2.99-2.97% depending on term.
2.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Shoreline Hometown Credit UnionFlex CertificateCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
2.99%APY$74 over 3 months on $10,000Requirements
Product: Allows continuous deposits over the duration of the certificate's term. Requires new money deposits. Compounded and credited quarterly. Penalty for early withdrawal is half of interest earned over the term.
Offer: Requires $10,000 new money deposit.
2.96% interest rate · Effective Oct 16, 2026
Rate checked
More details - Carolina Foothills Federal Credit UnionTerm Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.99%APY$74 over 3 months on $10,000Requirements
Product: Certificates will automatically renew for another term at maturity. You have 10 business days after the date the certificate matures to move make changes or withdraw the funds. A penalty may be imposed if you withdraw the funds before the maturity date.
2.99% interest rate
Rate checked
More details - US Community Credit UnionCertificateCD · 3 months · $500 min · 2.99%–3.04% by balance
Credit union · Add a location to see nearby branches
2.99%APY$74 over 3 months on $10,000Requirements
Product: Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
Offer: Quarterly dividends.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $100,000Your amount 2.99% $100,000 and up 3.04% Rate checked
More details - Northwest Adventist Federal Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.99%APY$74 over 3 months on $10,000intro rate - First National Bank of WaterlooCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.98%APY$74 over 3 months on $10,000Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.
2.95% interest rate · Effective Oct 16, 2026
Rate checked
More details - Innovations Financial Credit UnionNon-Compounding Share CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.96%APY$73 over 3 months on $10,000Requirements
Product: Rates shown for Share Certificate accounts are accurate as of 10/22/2026. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
2.96% interest rate · Effective Oct 22, 2026
Rate checked
More details - St. Louis Community Credit UnionShare CertificateCD · 3 months · $300 min
Credit union · Add a location to see nearby branches
2.95%APY$73 over 3 months on $10,000Requirements
Product: Dividends are compounded and credited monthly. Penalty may be imposed for early withdrawal. Minimum balance/deposit is $300.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty applies (90 days' dividends for terms of 365 days or less).
2.91% interest rate · Effective Oct 6, 2026
Rate checked
More details - City State BankCertificate of Deposit AccountsCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.95%APY$73 over 3 months on $10,000Requirements
Product: Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
2.92% interest rate
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