A 3-month CD may be ideal for those with short-term cash needs. It may also be suited for those who do not want to take on the risk that interest rates could rise in the near term. Below we list the 3-month CD rates in our database, ordered from highest APY to lowest.

Featured 3-Month CDs

Bank/Credit Union

Min. Deposit

3-Month CD APY

Learn More


$1

5.40%


$1

5.21%


$1

5.18%


No-penalty | 3-Month | 6-Month | 1-Year | 2-year | 3-year | 4-year | 5-year

3-Month CD Rates

84 Results

Signature Federal Credit Union 3-month CD
APY
5.55%
Min
$500
Max
-

Ponce Bank 3-month High Yield CD via Raisin
Ponce Bank
3-month High Yield CD via Raisin
APY
5.40%
Min
$1
Max
-

Western Alliance Bank 3-month CD via Raisin
Western Alliance Bank
3-month CD via Raisin
APY
5.21%
Min
$1
Max
-

Mission Valley Bank 3-month No-Penalty CD via Raisin
Mission Valley Bank
3-month No-Penalty CD via Raisin
APY
5.18%
Min
$1
Max
-

NexBank 3-month Online CD
NexBank
3-month Online CD
APY
4.75%
Min
$25,000
Max
$100k

NexBank 3-month Online Jumbo CD
NexBank
3-month Online Jumbo CD
APY
4.75%
Min
$100,000
Max
$5,000k

Popular Direct 3-month CD
Popular Direct
3-month CD
APY
4.75%
Min
$10,000
Max
-

UmbrellaBank 3-Month CD
UmbrellaBank
3-Month CD
APY
4.75%
Min
$10,000
Max
-

Luana Savings Bank 3-month Jumbo CD
Luana Savings Bank
3-month Jumbo CD
APY
4.52%
Min
$100,000
Max
-

NexBank 3-month Standard CD
NexBank
3-month Standard CD
APY
4.50%
Min
$10,000
Max
$25k

Alliant Credit Union 3-month CD
APY
4.50%
Min
$1,000
Max
-

Alliant Credit Union 3-month Jumbo CD
Alliant Credit Union
3-month Jumbo CD
APY
4.50%
Min
$1,000
Max
-

America First Credit Union 3-5 months CD
APY
4.50%
Min
$500
Max
-

Teachers Federal Credit Union 3-Month CD
APY
4.50%
Min
$1,000
Max
$100k

Luana Savings Bank 3-Month CD
APY
4.37%
Min
$2,000
Max
$100k

America First Credit Union 3-5 months Bump-Rate CD
America First Credit Union
3-5 months Bump-Rate CD
APY
4.35%
Min
$500
Max
-

First Internet Bank 3-months High Yield CD
First Internet Bank
3-months High Yield CD
APY
4.18%
Min
$1,000
Max
-

Chevron Federal Credit Union 3-months Share Certificate
Chevron Federal Credit Union
3-months Share Certificate
APY
4.00%
Min
$500
Max
-

Spectrum Credit Union 3-Month Share Certificate
Spectrum Credit Union
3-Month Share Certificate
APY
4.00%
Min
$500
Max
-

EverBank 3-Month CD
EverBank
3-Month CD
APY
4.00%
Min
$1,000
Max
-

Third Federal Savings & Loan 3-month Special CD
APY
3.50%
Min
$500
Max
-

Third Federal Savings & Loan 3-months CD
APY
3.50%
Min
$500
Max
-

Colorado Federal Savings Bank 3-Month CD
APY
3.50%
Min
$5,000
Max
-

UNIFY Financial Credit Union 3-month CD
APY
3.50%
Min
$1,000
Max
-

UNIFY Financial Credit Union 3-month CD
APY
3.50%
Min
$40,000
Max
-

UNIFY Financial Credit Union 3-month Jumbo CD
APY
3.50%
Min
$100,000
Max
-

Ponce Bank 3-month High Yield CD
Ponce Bank
3-month High Yield CD
APY
3.50%
Min
$500
Max
-

United Texas Bank 3-month CD
APY
3.44%
Min
$1,000
Max
-

United Texas Bank 3-month Business CD
United Texas Bank
3-month Business CD
APY
3.44%
Min
$1,000
Max
-

United States Senate Federal Credit Union 3-months Plus Jumbo Business CD
United States Senate Federal Credit Union
3-months Plus Jumbo Business CD
APY
3.15%
Min
$200,000
Max
-

United States Senate Federal Credit Union 3-months Plus Jumbo CD
APY
3.15%
Min
$200,000
Max
-

United States Senate Federal Credit Union 3-months Jumbo CD
APY
3.10%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union 3-months Jumbo Business CD
APY
3.10%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union 3-months CD
APY
3.05%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union 3-months Business CD
APY
3.05%
Min
$1,000
Max
$100k

Live Oak Bank 3-month CD
Live Oak Bank
3-month CD
APY
3.00%
Min
$2,500
Max
$250k

Live Oak Bank 3-month Business CD
Live Oak Bank
3-month Business CD
APY
3.00%
Min
$2,500
Max
$250k

Virtual Bank 3-month CD
Virtual Bank
3-month CD
APY
2.94%
Min
-
Max
-

Ally Bank 3-Month High-Yield CD
Ally Bank
3-Month High-Yield CD
APY
2.55%
Min
$1
Max
$0k

Seattle Bank 3-month CD
Seattle Bank
3-month CD
APY
2.50%
Min
$1,000
Max
-

EverBank 3-month Business CD
EverBank
3-month Business CD
APY
2.45%
Min
$1,500
Max
-

Finworth 90-day CD
Finworth
90-day CD
APY
2.27%
Min
$50,000
Max
$240k

Synchrony Bank 3-month CD
Synchrony Bank
3-month CD
APY
2.25%
Min
$1
Max
-

La Capitol Federal Credit Union 91-day Share Certificate
La Capitol Federal Credit Union
91-day Share Certificate
APY
2.25%
Min
$5,000
Max
-

Magnifi Financial 3-month Jumbo CD
Magnifi Financial
3-month Jumbo CD
APY
2.05%
Min
$150,000
Max
-

Discover Bank 3-month IRA CD
Discover Bank
3-month IRA CD
APY
2.00%
Min
$2,500
Max
-

Credit Union of the Rockies 3-Month CD
APY
2.00%
Min
$500
Max
-

Discover Bank 3-month High Yield CD
Discover Bank
3-month High Yield CD
APY
2.00%
Min
$2,500
Max
-

Magnifi Financial 3-month Jumbo CD
Magnifi Financial
3-month Jumbo CD
APY
1.95%
Min
$100,000
Max
$150k

Magnifi Financial 3-month CD
APY
1.90%
Min
$50,000
Max
$100k

NuVision Credit Union 3-month Jumbo CD
NuVision Credit Union
3-month Jumbo CD
APY
1.85%
Min
$100,000
Max
-

Magnifi Financial 3-month CD
APY
1.85%
Min
$25,000
Max
$50k

NuVision Credit Union 3-month CD
APY
1.80%
Min
$50,000
Max
-

Magnifi Financial 3-month CD
APY
1.80%
Min
$500
Max
$25k

NuVision Credit Union 3-month CD
APY
1.75%
Min
$25,000
Max
-

NuVision Credit Union 3-month CD
APY
1.70%
Min
$1,000
Max
-

Amerant Bank 3-month Online CD
Amerant Bank
3-month Online CD
APY
1.50%
Min
$500
Max
$250k

Amerant Bank 3-month Online CD
Amerant Bank
3-month Online CD
APY
1.50%
Min
$500
Max
$250k

Thrivent Credit Union 3-month CD
APY
1.50%
Min
$1,000
Max
-

Bank Financial 91-day CD
APY
1.25%
Min
$1,000
Max
-

Bank Financial 91-day Business CD
Bank Financial
91-day Business CD
APY
1.25%
Min
$1,000
Max
-

Liberty Federal Credit Union 3-month CD
APY
1.25%
Min
$1,000
Max
-

Zeal Credit Union 91-days Jumbo CD
Zeal Credit Union
91-days Jumbo CD
APY
1.20%
Min
$100,000
Max
-

Zeal Credit Union 91-days CD
APY
1.10%
Min
$25,000
Max
$100k

Fort Liberty Federal Credit Union 3-months Share Certificate
Fort Liberty Federal Credit Union
3-months Share Certificate
APY
1.00%
Min
$500
Max
-

MainStreet Bank 13-week CD
MainStreet Bank
13-week CD
APY
1.00%
Min
$10,000
Max
-

MainStreet Bank 13-week Business CD
MainStreet Bank
13-week Business CD
APY
1.00%
Min
$10,000
Max
-

Zeal Credit Union 91-days CD
APY
1.00%
Min
$1,000
Max
$25k

Teachers Federal Credit Union 3-month Jumbo CD
APY
1.00%
Min
$100,000
Max
-

American Bank 90-day CD
American Bank
90-day CD
APY
0.75%
Min
$500
Max
-

American Bank 90-day Business CD
American Bank
90-day Business CD
APY
0.75%
Min
$500
Max
-

USALLIANCE Financial 3-month CD
APY
0.75%
Min
$500
Max
-

Langley Federal Credit Union 3-month CD
APY
0.75%
Min
$100
Max
-

Continental Bank 3-month High Yield CD via Raisin
Continental Bank
3-month High Yield CD via Raisin
APY
0.55%
Min
$1
Max
-

American First Credit Union 3-month CD
APY
0.55%
Min
$1,000
Max
-

Northpointe Bank 7-91 days CD
Northpointe Bank
7-91 days CD
APY
0.35%
Min
$1,000
Max
-

Affinity Plus Federal Credit Union 3-month CD
APY
0.30%
Min
$500
Max
-

BrioDirect 3-month High Yield CD
BrioDirect
3-month High Yield CD
APY
0.25%
Min
$500
Max
-

XCEL Federal Credit Union 3-months CD
APY
0.25%
Min
$500
Max
-

Nationwide by Axos Bank 3-month CD
APY
0.20%
Min
$500
Max
-

Continental Bank 90-Day High Yield CD
Continental Bank
90-Day High Yield CD
APY
0.20%
Min
$25,000
Max
-

BMO Harris Bank 2-month CD*
BMO Harris Bank
2-month CD*
APY
0.05%
Min
$100,000
Max
-

BMO Harris Bank 3-month Standard CD*
BMO Harris Bank
3-month Standard CD*
APY
0.05%
Min
$1,000
Max
-

Citibank 3-month Fixed Rate CD
Citibank
3-month Fixed Rate CD
APY
0.05%
Min
$500
Max
-


**Rates for brokered CDs can change daily. While we aim to have the latest rates for these CDs on our site, be sure to check the brokerage site to confirm rates.