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 1201–1215 of 2,149 results
- Financial BuildersCertificates of Deposit (CDs)CD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.63%APY$41 over 3 months on $10,000Requirements
Product: Dividends paid monthly. Renews automatically upon maturity. Early withdrawals subject to penalty. No setup or maintenance fees.
1.62% interest rate · Effective Aug 20, 2026
Rate checked
More details - Bank of FarmingtonCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.61%APY$40 over 3 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Interest can be paid monthly to another account, compounded quarterly on the CD, or paid at maturity.
Offer: A penalty may be imposed for early withdrawal.
Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Bankers TrustBankers Trust Certificate of Deposit (CD)CD · 3–6 months · $1,000 min
Bank · Add a location to see nearby branches
1.61%APYRequirements
Product: $1,000 minimum deposit to open ($500 for savers under age 18). Penalty for early withdrawal. Rates vary by Benefits Banking Loyalty Program tier (Base, Bronze, Silver, Gold, Platinum).
Offer: Loyalty Program Platinum Tier (Base + 0.50% IR) (91-181 Days)
Effective Oct 9, 2026
Rate checked
More details - Los Angeles Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.61%APY$40 over 3 months on $10,000with conditionsRequirements
Product: Flexible terms from 3 to 60 months. Minimum opening deposit is $1,000 for Regular, $100,000 for Jumbo, and $100 for Starter (age 24 or under). Senior / Senior Jumbo certificates available for members age 60+. APY is based on Relationship Rewards status or Jumbo/Senior qualification. After opening, additional deposits allowed if total deposits do not exceed opening deposit; Starter certificates allow additional deposits of $50+ until balance reaches $10,000.
Offer: Bronze Relationship or Business Account APY.
Qualified rate · Effective Oct 5, 2026
Rate checked
More details - Rhinebeck BankCertificate of DepositCD · 3 months · $2,000 min
Bank · Add a location to see nearby branches
1.61%APY$40 over 3 months on $10,000intro rateRequirements
Product: $2,000 minimum deposit to open a Certificate of Deposit (CD) account. A penalty may be imposed for early withdrawal. To obtain APY, all interest and principal must be left on deposit for full term. Fees may reduce earnings. Interest posted monthly and available for withdrawal. The 7-month, 13-month, 18-month and 2-year CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Standard FDIC insurance up to $250,000 per depositor.
Promotional rate · 1.60% interest rate · Effective Oct 5, 2026
Rate checked
More details - BANKWESTCertificates of Deposit (CDs)CD · 3 months · $2,000 min
Bank · Add a location to see nearby branches
1.61%APY$40 over 3 months on $10,000Requirements
Product: Competitive, fixed rate for length of term. No setup or maintenance fees. Early withdrawals subject to penalty.
1.60% interest rate · Effective Jul 15, 2026
Rate checked
More details - Cornerstone BankCertificates of DepositCD · 3 months · $500 min
Bank · Add a location to see nearby branches
1.60%APY$40 over 3 months on $10,000intro rateRequirements
Product: Interest on all CD's is compounded quarterly. Minimum deposit is $500.00. Substantial penalty for early withdrawal. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. Call Cornerstone Bank for effective rates after the quoted date. QUOTED RATES GOOD THROUGH 11/17/2026.
Offer: *No Penalty* feature available on 3 month CD only. Quoted rates good through 11/17/2026.
Promotional rate · 1.59% interest rate · Compounded quarterly
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 3 months · $1,000 min · 1.50%–1.60% by balance
Credit union · Add a location to see nearby branches
1.60%APY$40 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Effective Sep 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 1.50% $10,000 – $24,999Your amount 1.60% $25,000 – $99,999 1.60% Rate checked
More details - United Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.60%APY$40 over 3 months on $10,000Requirements
Product: Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Includes 0.10% APY bonus rate when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
1.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - Purdue Federal Credit UnionFixed-Rate Share CertificatesCD · 3 months · $10,000 min
Credit union · Add a location to see nearby branches
1.56%APY$39 over 3 months on $10,000Requirements
Product: Membership eligibility required. Subject to approval. $5 deposit in Member Ownership Share required.
Offer: Diamond Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
1.55% interest rate · Compounded daily
Rate checked
More details - The Kansas State BankCertificates of Deposit (CD's)CD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.56%APY$39 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal may apply. Fees may reduce earnings on the account.
Offer: Penalty for early withdrawal may apply. Fees may reduce earnings on the account.
1.55% interest rate · Effective Feb 3, 2026
Rate checked
More details - Prairie Community BankCertificates of DepositCD · 3 months · $5,000 min
Bank · Add a location to see nearby branches
1.55%APY$39 over 3 months on $10,000Requirements
Product: Automatically renewable at maturity. 10-day grace period following maturity to withdraw without penalty. Interest is compounded quarterly and credited quarterly, excluding 90-day, which is credited at maturity. Early withdrawal penalty applies.
Offer: Interest is credited at maturity. Early withdrawal penalty applies.
1.54% interest rate · Compounded quarterly · Effective Oct 19, 2026
Rate checked
More details - Advia Credit UnionRegular CDCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.55%APY$39 over 3 months on $10,000with conditionsRequirements
Product: Membership required. Federally insured by NCUA up to $250,000. $500 minimum balance/deposit. Early withdrawal penalty may apply. Promotional rate terms (11-Month and 21-Month) revert to standard 12-Month and 24-Month terms upon maturity. Advantage Plus CD Rate Premium (+0.25% APR / higher APY) applies when Advantage Plus Rewards qualifications are met at opening.
Offer: Advantage Plus Rewards APY (includes 0.25% APR rate premium). Requires meeting Advantage Plus qualifications at opening.
Qualified rate · Effective Oct 20, 2026
Rate checked
More details - Solidarity Community Credit UnionCertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.55%APY$39 over 3 months on $10,000intro rateRequirements
Product: Certificates can be used for regular savings. Minimum balance to open is $500. Dividends are compounded and credited monthly; daily balance method. Penalty for early withdrawal.
Promotional rate · 1.54% interest rate
Rate checked
More details - Community State BankCertificate of DepositCD · 1–3 months · $5,000 min
Bank · Add a location to see nearby branches
1.51%APYRequirements
Product: Interest compounds monthly. Can be paid via check or deposit into Community Interest Checking Account. Penalty may be imposed for early withdrawal.
Offer: Term: 7-90 Days. Penalty may be imposed for early withdrawal.
1.50% interest rate · Effective Oct 5, 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
2,149 CDs at 1,940 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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