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 826–840 results
- First United BankRegular Certificate 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: Interest is compounded and paid quarterly. Penalty may be imposed for early withdrawal.
Offer: Term: 90 Days. Early withdrawal penalty may apply.
2.72% interest rate · Effective Dec 11, 2025
Rate checked
More details - First BankCertificates of Deposit (Regular)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may be imposed. Automatically renews at maturity.
Offer: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may apply. Auto-renews at maturity.
2.71% interest rate · Effective Jun 9, 2026
Rate checked
More details - Northern Kentucky Federal Credit UnionShared Certificates (CDs)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,0002.75% interest rate
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More details - Northern Kentucky Federal Credit UnionShared Certificates (CDs)CD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,0002.75% interest rate
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More details - Northern Kentucky Federal Credit UnionShared Certificates (CDs)CD · 3 months · $5,000 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,0002.75% interest rate
Rate checked
More details - Northern Kentucky Federal Credit UnionShared Certificates (CDs)CD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,0002.75% interest rate
Rate checked
More details - Lee BankCertificates of Deposit (CDs)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Early withdrawals subject to penalty. FDIC/DIF insured. No setup or maintenance fees.
2.68% interest rate
Rate checked
More details - Formation Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000Requirements
Product: Early withdrawal on certificates 1 year and less results in loss of dividends for 90 days or all dividends earned, whichever is less; over 1 year results in loss of dividends for 180 days or all dividends earned, whichever is less.
Offer: Calculated daily, paid at maturity
Effective May 1, 2026
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More details - Farmers and Drovers BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000intro rateRequirements
Offer: Interest compounding frequency: None. Interest availability: Maturity.
Promotional rate · 2.72% interest rate · Effective Sep 19, 2024
Rate checked
More details - Farmers State BankCertificate of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.75%APY$68 over 3 months on $10,000intro rateRequirements
Product: A $500.00 minimum balance is required to open. CD interest is calculated on the daily balance method. APY is based on semi-annual compounding except terms of 91 days or less. Early withdrawal penalty may be imposed. Single maturity certificates draw no interest after maturity. New customer CDs require visiting the bank in person.
Offer: 91 days term. APY is not based on semi-annual compounding.
Promotional rate · 2.72% interest rate · Effective Aug 11, 2026
Rate checked
More details - Midwest Community Federal Credit UnionShare CertificatesCD · 3 months · $250 min · 2.69%–2.84% by balance
Credit union · Add a location to see nearby branches
2.74%APY$68 over 3 months on $10,000Requirements
Product: Minimum opening deposit $250. Certificate terms range from 3 to 60 months. Penalty for early withdrawal. Insured up to $500,000 ($250,000 NCUA + $250,000 ESI).
Offer: Dividends paid at maturity. 90-day early withdrawal penalty.
2.65% interest rate · Effective Aug 18, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $250 – $9,999 2.69% $10,000 – $49,999Your amount 2.74% $50,000 – $89,999 2.79% $90,000 and up 2.84% Rate checked
More details - Madison Valley BankCertificates of DepositCD · 3–6 months · $500 min
Bank · Add a location to see nearby branches
2.73%APYRequirements
Product: Penalty imposed for early withdrawal. Interest begins accruing on deposit date and compounds daily.
Offer: Requires maintaining a separate account with a qualifying direct deposit (payroll, government, or dividend direct deposits). If no longer receiving direct deposit at renewal, time deposit reverts to current applicable rate without direct deposit special. Penalty imposed for early withdrawal.
2.70% interest rate · Effective Jul 10, 2026
Rate checked
More details - Vida Federal Credit UnionCertificates of DepositCD · 3 months · $5,000 min
Credit union · Add a location to see nearby branches
2.71%APY$67 over 3 months on $10,000Requirements
Product: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
Offer: Early withdrawal penalty 60 days of dividends. Dividend rate 2.67%.
2.67% interest rate · Effective Oct 21, 2026
Rate checked
More details - Lassen Credit UnionTerm Share CertificatesCD · 3 months · $1,000 min · 2.70%–2.90% by balance
Credit union · Add a location to see nearby branches
2.70%APY$67 over 3 months on $10,000Requirements
Product: Minimum balance required to open a regular certificate is $1,000.00. Dividend rate and APR may change at any time. APY is based on the assumption that dividends remain in the account until maturity; early withdrawal penalties may apply.
2.67% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $49,999Your amount 2.70% $50,000 – $99,999 2.90% $100,000 and up 2.90% Rate checked
More details - Logix Federal Credit UnionRegular CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.70%APY$67 over 3 months on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Gold Tier APY. 91-Day term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
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