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 931–945 results
- Sunmark Credit UnionRegular Share CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $500. Automatically renews at maturity; 10-day grace period after maturity for certificates with maturities greater than 90 days. Early withdrawal penalties apply. No additional deposits permitted.
Offer: Term: 90 Days.
Promotional rate · 2.47% interest rate
Rate checked
More details - First FarmBankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000Requirements
Product: FDIC insured. Early withdrawal penalty may be imposed. Fees may reduce earnings. Maturities range from 90 days to 48 months.
2.48% interest rate · Effective Aug 1, 2026
Rate checked
More details - Sound Credit UnionCertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.50%APY$62 over 3 months on $10,000intro rateRequirements
Product: Membership with a savings account at Sound Credit Union is required. Anyone who lives or works in WA can join. Compounded and credited monthly. Early withdrawal penalties apply. Unlimited add-on deposits available during the term.
Promotional rate · 2.47% interest rate
Rate checked
More details - BMI Federal Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.49%APY$62 over 3 months on $10,000Requirements
Product: Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.
2.47% interest rate · Effective Sep 30, 2026
Rate checked
More details - MTC Federal Credit UnionShare Certificates PlusCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
2.47%APY$61 over 3 months on $10,000Requirements
Product: Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
2.45% interest rate
Rate checked
More details - Logix Federal Credit UnionRegular CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.45%APY$61 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: Silver Tier APY. 91-Day term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - Advancial Federal Credit UnionSavings CertificatesCD · 3 months · $1,000 min · 2.45%–2.65% by balance
Credit union · Add a location to see nearby branches
2.45%APY$61 over 3 months on $10,000Requirements
Product: Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
2.42% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Savings Certificates Balance APY $1,000 and upYour amount 2.45% $25,000 and upJunior Jumbo tier 2.55% $50,000 and upJumbo tier 2.65% Rate checked
More details - Summit Federal Credit UnionTerm Share CertificatesCD · 3 months · $2,500 min
Credit union · Add a location to see nearby branches
2.45%APY$61 over 3 months on $10,000Requirements
Product: All Term Share Certificates earn daily dividends, paid and compounded monthly. Penalty will be imposed for early withdrawal. For time deposits with maturities of less than one year, the APY assumes that funds will remain on deposit for a full year. Additional Deposits: Not Allowed; Withdrawals: Allowed – Dividends Only; Renewable: Not Automatic.
Offer: Dividends compounded monthly.
2.42% interest rate · Compounded monthly · Effective Sep 29, 2026
Rate checked
More details - Lake Shore BankSelect Certificate of Deposit (CD)CD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.45%APY$61 over 3 months on $10,000intro rateRequirements
Product: Assumes interest will remain on deposit until maturity. Early withdrawal penalties may apply. $500 minimum deposit required to open any CD.
Promotional rate · 2.42% interest rate · Effective Oct 1, 2026
Rate checked
More details - Insight Credit UnionRegular CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.45%APY$61 over 3 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends paid at the end of each month. Fees may reduce earnings. Rates may change without notice.
Effective Mar 2, 2026
Rate checked
More details - Washington Trust BankFixed-Rate CDCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.43%APY$60 over 3 months on $10,000Requirements
Product: Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.
Offer: Valid for opening accounts online.
2.40% interest rate · Effective Oct 4, 2026
Rate checked
More details - First Watch Credit UnionTerm Share CertificateCD · 3 months · $1,000 min · 2.40%–2.60% by balance
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Product: Membership/Regular Savings required. Penalty will or may be imposed for early withdrawal. Fees may reduce earnings. Automatic renewal.
Offer: Early withdrawal penalty may apply. Dividends paid monthly or at maturity.
2.40% interest rate · Effective Apr 15, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 and upYour amount 2.40% $50,000 and up 2.60% Rate checked
More details - CommonWealth Central Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Product: Available with a minimum deposit of $500. 12-month Certificates allow unlimited additional deposits throughout the term (minimum deposit amounts of $100). Early withdrawal penalty is 90 days of interest. Dividends are paid monthly based on simple daily interest.
Offer: Early withdrawal penalty is 90 days of interest.
2.37% interest rate
Rate checked
More details - CommonWealth Central Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Product: Available with a minimum deposit of $500. 12-month Certificates allow unlimited additional deposits throughout the term (minimum deposit amounts of $100). Early withdrawal penalty is 90 days of interest. Dividends are paid monthly based on simple daily interest.
2.37% interest rate · Effective Sep 4, 2026
Rate checked
More details - Achieva Credit UnionCertificate of Deposit (CD)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
2.37% interest rate
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