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 946–960 of 2,148 results
- 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 Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period.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 - Truliant Federal Credit UnionRegular CertificatesCD · 3 months · $250 min · 2.34%–2.50% by balance
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Offer: Not available for IRA certificates.
2.32% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $250 and up 2.34% $5,000 and upYour amount 2.40% $25,000 and up 2.45% $100,000 and up 2.50% Rate checked
More details - OneAZ Credit UnionShare CertificateCD · 3 months · $2,000 min
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Product: Minimum opening deposit is $2,000. Fixed APY for the term of the account. Penalty for early withdrawal applies; withdrawal of dividends reduces earnings. Automatic renewal at maturity with a 10-day grace period.
2.37% interest rate · Effective Oct 1, 2026
Rate checked
More details - Afena Federal Credit UnionShare CertificatesCD · 3 months · $250 min · 2.40%–2.55% by balance
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Product: Minimum opening deposit of $250. Afena has temporarily suspended new 48-60 month certificate offerings; 48 and 60 month rates apply solely to renewals of existing certificates. Early withdrawals may result in the loss of dividend earnings.
2.37% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $250 and up 2.40% $10,000 and upYour amount 2.40% $100,000 and up 2.55% Rate checked
More details - Athens Area CUShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
2.40%APY$59 over 3 months on $10,000Requirements
Product: Interest/dividends calculated on daily balance and paid quarterly. A penalty may be imposed for withdrawal before maturity.
Offer: Interest calculated on daily balance and paid quarterly.
2.40% interest rate · Effective May 8, 2023
Rate checked
More details - Johnson State BankCDCD · 3 months · $1,000 min · 2.38%–2.53% by balance
Bank · Add a location to see nearby branches
2.38%APY$59 over 3 months on $10,000Requirements
Product: Funds must remain on deposit until maturity to earn the stated yield. Substantial interest penalty is required for early withdrawal: for maturities less than 3 months, 31 days interest; for maturities of 3 months up to one year, 3 months interest; for maturities over one year, 6 months interest. APY assumes funds will remain on deposit for a full year at this rate. Fees could reduce earnings.
Offer: Compounded quarterly. Substantial interest penalty for early withdrawal.
2.36% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Balance APY $1,000 – $24,999Your amount 2.38% $25,000 – $49,999 2.43% $50,000 – $99,999 2.48% $100,000 and up 2.53% Rate checked
More details - BAC Community BankStandard Certificates of Deposit (CDs)CD · 3 months · $2,500 min · 2.35%–3.00% by balance
Bank · Add a location to see nearby branches
2.37%APY$59 over 3 months on $10,000Requirements
Product: Online account opening is available for Existing Customers when opened as a Personal account with individual or joint ownership. Subject to change without notice. A penalty for early withdrawal may apply.
2.33% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Standard Certificates of Deposit (CDs) Balance APY $2,500 – $10,000 2.35% $10,000 – $50,000Your amount 2.37% $50,000 – $100,000 2.50% $100,000 and up 3.00% Rate checked
More details - Iowa State BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
2.37%APY$59 over 3 months on $10,000intro rateRequirements
Product: A substantial penalty may be imposed for early withdrawal from any of the above certificates of deposit investments. A 10-day grace period is provided upon maturity of the Certificate of Deposit to make changes or withdrawals without penalty. Fees may reduce earnings.
Offer: Compound frequency: @Maturity. Effective Thru: 10/27/2026. A substantial penalty may be imposed for early withdrawal.
Promotional rate · 2.35% interest rate · Effective Oct 14, 2026
Rate checked
More details - Citizens State BankRegular Certificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
2.37%APY$59 over 3 months on $10,000Requirements
Product: Substantial penalties may apply for early withdrawal.
Offer: Compounded at maturity
2.35% interest rate
Rate checked
More details - Fitzsimons Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
2.35%APY$58 over 3 months on $10,000Requirements
Product: Membership eligibility required. $5 membership share savings account and one-time $5 fee. Minimum deposit $500. Monthly compounded dividends. Early withdrawal penalties apply (90 days dividends for terms 6 months or less; 180 days dividends for terms 12 months or longer).
2.33% 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
2.35%APY$58 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: Base Rate APY. 91-Day term.
Qualified rate · Compounded monthly · Effective Oct 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
2,148 CDs at 1,939 banks and credit unions · checked Oct 22–25
- Typical
- 2.01%
- Top 10% from
- 3.75%
- Banks, typical
- 1.90%
- Credit unions, typical
- 2.17%
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