Best 3-Month CD Rates (September 2023)

Editorial Note: We earn a commission from partner links on Doughroller. Commissions do not affect our authors’ or editors’ opinions or evaluations. Learn more here.

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

5.40%

Learn More

5.21%

Learn More

5.18%

Learn More

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

APY
5.40%

Min
$1

Max
-

Western Alliance Bank
3-month CD via Raisin

APY
5.21%

Min
$1

Max
-

Mission Valley Bank
3-month No-Penalty CD via Raisin

APY
5.18%

Min
$1

Max
-

NexBank
3-month Online CD

APY
4.75%

Min
$25,000

Max
$100k

NexBank
3-month Online Jumbo CD

APY
4.75%

Min
$100,000

Max
$5,000k

Popular Direct
3-month CD

APY
4.75%

Min
$10,000

Max
-

UmbrellaBank
3-Month CD

APY
4.75%

Min
$10,000

Max
-

Luana Savings Bank
3-month Jumbo CD

APY
4.52%

Min
$100,000

Max
-

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

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

APY
4.35%

Min
$500

Max
-

First Internet Bank
3-months High Yield CD

APY
4.18%

Min
$1,000

Max
-

Chevron Federal Credit Union
3-months Share Certificate

APY
4.00%

Min
$500

Max
-

Spectrum Credit Union
3-Month Share Certificate

APY
4.00%

Min
$500

Max
-

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

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

APY
3.44%

Min
$1,000

Max
-

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

APY
3.00%

Min
$2,500

Max
$250k

Live Oak Bank
3-month Business CD

APY
3.00%

Min
$2,500

Max
$250k

Virtual Bank
3-month CD

APY
2.94%

Min
-

Max
-

Ally Bank
3-Month High-Yield CD

APY
2.55%

Min
$1

Max
$0k

Seattle Bank
3-month CD

APY
2.50%

Min
$1,000

Max
-

EverBank
3-month Business CD

APY
2.45%

Min
$1,500

Max
-

Finworth
90-day CD

APY
2.27%

Min
$50,000

Max
$240k

Synchrony Bank
3-month CD

APY
2.25%

Min
$1

Max
-

La Capitol Federal Credit Union
91-day Share Certificate

APY
2.25%

Min
$5,000

Max
-

Magnifi Financial
3-month Jumbo CD

APY
2.05%

Min
$150,000

Max
-

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

APY
2.00%

Min
$2,500

Max
-

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

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

APY
1.50%

Min
$500

Max
$250k

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

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

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

APY
1.00%

Min
$500

Max
-

MainStreet Bank
13-week CD

APY
1.00%

Min
$10,000

Max
-

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

APY
0.75%

Min
$500

Max
-

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

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

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

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

APY
0.20%

Min
$25,000

Max
-

BMO Harris Bank
2-month CD*

APY
0.05%

Min
$100,000

Max
-

BMO Harris Bank
3-month Standard CD*

APY
0.05%

Min
$1,000

Max
-

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.