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 1321–1335 of 2,149 results
- Members Cooperative Credit UnionBasic 3 Month Share CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
Offer: Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies.
Effective Oct 23, 2026
Rate checked
More details - Oakdale CUTerm Share CertificatesCD · 3 months · $250 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: $250.00 minimum opening deposit required. Penalty for early withdrawal (90 days of dividends). Membership eligibility required. Fixed rate for entire term. Dividends calculated daily. NCUA insured.
Offer: Penalty will be imposed for early withdrawal. Membership eligibility required.
1.25% interest rate · Effective Dec 17, 2024
Rate checked
More details - Northland Area FCUNon-Compounding CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: These certificates do not compound. Penalty may be imposed for early withdrawal.
1.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - Sky Federal Credit UnionTerm CertificatesCD · 3 months · $500 min · 0.75%–1.75% by balance
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: No setup or service fees. Renews automatically upon maturity after a 10-day grace period. Penalty for early withdrawal (90 days' dividends for terms of 1 year or less; 180 days' dividends for terms greater than 1 year). Dividends compounded and paid monthly.
0.75% interest rate
Rate by balance
Rate by balance for Term Certificates Balance APY $500 – $9,999 0.75% $10,000 – $24,999Your amount 1.25% $25,000 – $49,999 1.50% $50,000 and up 1.75% Rate checked
More details - Wescom FinancialShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.
Offer: Platinum Signature Member tier; 90 to 179 days.
1.24% interest rate
Rate checked
More details - MIDFLORIDA Credit UnionRegular CertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: Membership and eligibility requirements apply. Fees may reduce earnings. Penalties may apply for withdrawal of funds before maturity.
1.24% interest rate
Rate checked
More details - Conway National BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: Interest rates on all time deposits are determined weekly. Substantial penalty for early withdrawal. Interest is paid on the collected balance.
1.25% interest rate · Effective Oct 14, 2026
Rate checked
More details - International Bank of ChicagoCertificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Offer: Credit frequency: Quarterly. Early withdrawal penalty may apply.
1.24% interest rate · Effective Sep 21, 2026
Rate checked
More details - Openland Credit UnionTerm Share CertificateCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
Rate checked
More details - Home State BankCertificates of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: $1,000 Minimum Initial Deposit. Automatically renewable. Terms are 30 Days to 5 Years. For terms less than 31 days, interest is credited at maturity; for all other terms, interest is compounded & credited monthly. Early withdrawal penalty applies.
1.24% interest rate · Effective Sep 29, 2026
Rate checked
More details - Community SavingsImpact Certificate of DepositCD · 3 months · $1,000 min
Bank · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,0001.24% interest rate
Rate checked
More details - LincOne Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: Certificates require a minimum balance of $500.00 to open. Penalty may be imposed for early withdrawal. The Annual Percentage yield (APY) assumes interest remains on deposit until maturity. Minimum $25 savings account required.
Offer: Certificates require a minimum balance of $500.00 to open. Penalty may be imposed for early withdrawal. Minimum $25 savings account required.
Effective Oct 4, 2026
Rate checked
More details - Potlatch No 1 Financial Credit UnionShare CertificateCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000Requirements
Product: Available to members who live or work in 19 counties in Idaho, 8 counties in Oregon, and the entire state of Washington. Dividends paid quarterly. APY assumes dividends remain on deposit until maturity. Early withdrawal penalty applies: 90 days' dividends for terms under 1 year and 180 days' dividends for terms 1 year or longer. 10-day grace period at maturity.
Offer: Minimum average daily balance of $500.00 required to obtain APY.
1.24% interest rate · Effective Sep 22, 2026
Rate checked
More details - Liberty FCUCertificatesCD · 3 months · $1,000 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000intro rateRequirements
Product: Fixed rate certificates. A substantial penalty may be imposed for early withdrawal or failure to comply with certificate requirements. Minimum balance listed is required to purchase certificate and obtain APY. Rates subject to change weekly/without notice and paid until first maturity.
Promotional rate · 1.24% interest rate
Rate checked
More details - Saratoga's Community Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · Add a location to see nearby branches
1.25%APY$31 over 3 months on $10,000intro rateRequirements
Product: Calculations are based on interest accrued daily, paid and compounded monthly. $500 minimum deposit on certificates. Early withdrawal penalty applies (30 days dividends for 30 to 60 days certificates; 90 days dividends for all other certificates). Balances over $250,000 not insured by NCUSIF.
Offer: Standard rate; new money not required.
Promotional rate · 1.24% interest rate · Compounded monthly
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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- Quorum Federal Credit UnionCredit union
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