3 Month CD Rates

Compare rates on 3 month CDs from banks and credit unions. Use the filter box below to customize your results. Click here to read more about features and tips related to 3-month CDs.

ALERT: Due to the recent rate changes by the Federal Reserve, we're detecting a high volume of deposit rate changes by banks and credit unions. If you're unable to find an account, it may be hidden temporarily while it is being reviewed for accuracy. We appreciate your patience.
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108 Results

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Nationwide Only
5.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$306
4.75%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$291
4.50%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$276
Popular Direct3 Month Popular Direct CD104 Reviews
4.10%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$252
Citi3 Month CD263 Reviews
4.00%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$246
4.00%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:$240k
EST.
EARN 🛈
EST. EARN:$246
4.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$246
3.70%*
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$227
3.61%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$222
3.50%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$215
3.40%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$209
3.25%
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:$250k
EST.
EARN 🛈
EST. EARN:$200
3.05%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$188
3.05%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$188
3.04%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$187
3.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$248
American Heritage FCU4 Month Share Certificate14 Reviews
3.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$248
3.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$138
2.94%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$181
First Central Savings Bank3 Month eCD (Online Only)1 Review
2.79%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$172
2.75%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$170
2.75%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$170
2.55%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$157
2.50%
MIN TO
EARN
MIN TO EARN:$100

MAX
MAX:$100k
EST.
EARN 🛈
EST. EARN:$154
2.50%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$154
2.30%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:$1m
EST.
EARN 🛈
EST. EARN:$106
Princeton FCU4 Month CD
2.28%
MIN TO
EARN
MIN TO EARN:$3k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$189
2.28%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$105
2.25%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$139
Bethpage FCU3 Month Certificate10 Reviews
2.25%
MIN TO
EARN
MIN TO EARN:$50

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$139
2.20%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$136
2.00%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$124
2.00%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$124
2.00%
MIN TO
EARN
MIN TO EARN:$100

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$124
Ally Bank3 Month High Yield CD853 Reviews
2.00%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$124
Quorum FCU3 Month Term Savings CD13 Reviews
2.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$124
2.00%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$92.40
Flagstar Bank90-179 Day Online CD71 Reviews
1.99%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:$110k
EST.
EARN 🛈
EST. EARN:$91.94
United States Senate FCU3-5 Month Share Certificate13 Reviews
1.97%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$91.03
1.77%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$110

Displaying 1-40 of 108 Results


3-Month CD Rates

Certificates of Deposit, or CDs (or time deposits) are financial instruments used by consumers to safely generate income and build savings. When you buy a CD, you are technically buying a “deposit” from the bank or credit union and committing a fixed amount of money for a fixed period of time to them. This is good for the bank or credit union because it gives them a fairly sturdy horizon (compared to more liquid deposits like checking or savings accounts) as to how long they can use your funds before returning the principal to you with interest. Because you are purchasing an asset that will be delivered at a later date, you need to make sure the FDIC or NCUA has insured the institution you are purchasing it from so that you are guaranteed your money back.

3-Month CD Rate History – Average APY (%) Rate Trend over Time

What are 3-Month CDs?

3 Month CDs are very short-term products and generally come with the lowest interest rates. Within the 3 month CD category on the rate table above, DepositAccounts also lists CDs with shorter terms such as 7 days. Usually, the shorter the CD’s time frame, the less it will pay in interest – however, financial institutions competing for customers will often break this trend in order to attract attention to the shorter term CD and open new accounts.

Banks and credit unions usually penalize certificate of deposit holders some percentage of interest earned for withdrawing money, or calling the CD, before its maturity date. Because of this penalty factor, consumers investing in CDs often use 3 Month CDs as the first rung on a “mini CD ladder,” which essentially increases the likelihood of those funds making it to maturity (and thus becoming available for use) without incurring a penalty.

What is a Mini CD Ladder?

The mini CD ladder is built by staggering CDs with shorter time horizons, so that every 3 months (or however long between CDs) you will have access to principal and be able to decide whether to reinvest it or use it for something else. For example, if you had $20,000 to invest, you could buy a 3 month CD for $4,000, a 6 month CD, for $4,000, a 1 Year CD for $4,000, an 18 Month CD for $4,000, and a 2 Year CD for $4,000. After the first 3 months, you would have a CD come to maturity and $4,000 available (plus accumulated interest) to rollover into another 2 Year CD. You could repeat the process until you have a 2 Year CD expiring every 3 months. This is a great way to achieve a good bit of liquidity, while earning more yield than you could on a savings account. You can use our certificate of deposit calculator to help you determine the costs and benefits of closing a CD early.




* The APY (Annual Percentage Yield) shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.