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 781–795 results
- Generations United Federal Credit UnionGU CertificatesCD · 3 months · $100 min
Credit union · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000intro rateRequirements
Product: Minimum opening deposit required as per term tier. Additional deposit not allowed; withdrawals subject to early withdrawal penalties.
Offer: Min deposit $100. Term 3 months. Dividend period matches term.
2.75% interest rate · Effective Oct 29, 2025
Rate checked
More details - City National BankPersonal Certificates of DepositCD · 3–5 months · $10,000 min
Bank · Add a location to see nearby branches
2.78%APYintro rateRequirements
Offer: Term is 3 months (90 to 179 days).
Promotional rate · 2.75% interest rate · Effective Oct 16, 2026
Rate checked
More details - The Seymour BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: FDIC insured fixed rate investment. A substantial penalty for early withdrawal will be imposed.
2.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Karnes County National BankRegular CDCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: Minimum deposit to open: $1,000. Minimum balance to obtain APY: $1,000. Interest compounded monthly. Daily balance method used to calculate interest. Penalty for early withdrawal.
2.75% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 360 Federal Credit UnionCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: No monthly fees or service charges. Membership eligibility required. Penalty may be imposed for early withdrawals.
2.75% interest rate · Effective Apr 3, 2026
Rate checked
More details - First National Bank and Trust Company of BottineauCDsCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: Call us for more information. Terms range from 7 days to 60 months.
Offer: 91 Day CD
2.75% interest rate · Effective Nov 4, 2025
Rate checked
More details - Morehead Community Federal Credit UnionShare CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: Minimum investment of $1,000.00. Monthly interest checks available. Can be used as collateral on a Shared Secure Loan.
2.75% interest rate · Effective Aug 1, 2026
Rate checked
More details - Medisys EFCUCertificates (Share Certificates)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: Minimum balance of $500 required. Early withdrawal penalties apply (up to 12 months: 3 months worth of dividends; 24 months: 6 months worth of dividends).
2.75% interest rate · Effective Oct 1, 2025
Rate checked
More details - Acme Continental Credit UnionTerm Share CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: Subject to penalties for early withdrawals.
2.75% interest rate · Effective Sep 1, 2026
Rate checked
More details - The Bank of SalemCertificates of DepositCD · 3 months · $1,000 min · 2.78%–2.88% by balance
Bank · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: Minimum opening balance $1,000.00. Tiered interest based on minimum daily balance. Substantial interest penalty incurred for early withdrawal. Annual percentage yield calculation based on quarterly interest compounding. Must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield.
2.75% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $50,000Your amount 2.78% $50,000 – $100,000 2.83% $100,000 and up 2.88% Rate checked
More details - Bank of Star ValleyCertificates of DepositCD · 3 months · $250 min
Bank · Add a location to see nearby branches
2.78%APY$69 over 3 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Offer: Early withdrawal penalty may apply.
2.75% interest rate
Rate checked
More details - Peoples Advantage FCUShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.77%APY$69 over 3 months on $10,000Requirements
Product: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
2.74% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate checked
More details - First National Bank in Port LavacaCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: $1,000 needed to open any CD. Current market interest rate earned. Maturities available from 3 to 60 months. Stated CD rate is for existing customer only; non customers will receive a rate of .25% less than the rate listed.
Offer: Compounded daily, paid quarterly. Early withdrawal penalty may apply. Stated CD rate is for existing customer only; non customers receive .25% less.
2.71% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - American Metro BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: CDs will automatically renew at maturity unless you designate a fixed maturity. Substantial penalty for early withdrawal. Rates on CDs are fixed for the term of the certificate.
Offer: Rates on CDs are fixed for the term of the certificate. Substantial penalty for early withdrawal.
2.72% interest rate · Effective Jan 12, 2026
Rate checked
More details - NET Credit UnionShare Certificates (CD)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Must meet membership eligibility requirements. Subject to early withdrawal penalty. Certificates are automatically renewed at the end of the term. Premium rates are offered for CD balances over $50,000.00.
Effective Oct 1, 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