Best 3-Month CD Rates - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Top 3-month CD rates currently available include Desert Rivers Federal Credit UnionDesert Rivers Federal Credit Union725 N Main St, Moab, UT 84532 2132A5.0 ★Texas Ratio: 9.83% offering 3 month Super CD at 4.20% APY, and Heritage Bank MinnesotaHeritage Bank Minnesota181 Main St, West Concord, MN 55985A5.0 ★Texas Ratio: 6.39% offering 3 Month Fixed CD at 4.16% APY, and Nova UA Federal Credit UnionNova UA Federal Credit Union851 Allwood Rd, Clifton, NJ 07012A+5.0 ★Texas Ratio: 0.88% offering 3 Month Share Certificate Special at 4.12% APY, and Bank of DeerfieldBank of Deerfield15 S Main St, Deerfield, WI 53531A+5.0 ★Texas Ratio: 3.11% offering 90 Day Certificate of Deposits & IRAs at 4.11% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
A 1-year CD is often considered the sweet spot for savers. It offers a higher yield than a standard savings account while keeping your money committed for just one year — ideal for building a CD ladder or parking funds you won’t need in the near term. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 3-Month CD Rates Last Updated and Verified: April 5, 2026
Compare the Best 3-Month CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
725 N Main St, Moab, UT 84532 2132
3 month Super CD
$0
4.20%
▼
Rate4.13%
Min Deposit$0
UpdatedMar 25, 2026
Details
***
Heritage Bank Minnesota
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
181 Main St, West Concord, MN 55985
3 Month Fixed CD
$250
4.16%
▼
Rate4.10%
Min Deposit$250
UpdatedApr 4, 2026
Details
EARLY WITHDRAWAL PENALTIES: 91 Days Interest
Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
851 Allwood Rd, Clifton, NJ 07012
3 Month Share Certificate Special
$0
4.12%
▼
Rate4.05%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Bank of Deerfield
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15 S Main St, Deerfield, WI 53531
90 Day Certificate of Deposits & IRAs
$1,000
4.11%
▼
Rate4.05%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
8100 W Reno Ave, Oklahoma City, OK 73127 7229
3 Month Certificate Accounts and IRA Certificates
$0
4.10%
▼
Rate—
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
265 Old Springfield Rd, Lebanon, KY 40033
3 Month CD
$0
4.07%
▼
Rate4.00%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
501 N 1st St, Hamilton, MT 59840 2129
3 Month Youth Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
UpdatedApr 5, 2026
Details
Available to members who are 18 years old or younger.
Omb Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
3570 S National Ave, Springfield, MO 65807
3 Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
FNB of Nevada, Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
100 W Walnut St, Nevada, MO 64772
Basic CDs 3 Month
$0
4.01%
▼
Rate3.95%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
3-month online CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
UpdatedMar 29, 2026
Details
Available for current 3-Month CD clients only:
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
90 Day Certificate of Deposit
$1,000
3.95%
▼
Rate3.89%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Momentum Share Certificate Rate 3 Month Special
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3305 Steck Ave Ste 275, Austin, TX 78757
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
UpdatedApr 3, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Investar Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1542 Charter St, Jackson, LA 70748
3-Month Certificate of Deposit
$500
3.90%
▼
Rate—
Min Deposit$500
UpdatedMar 27, 2026
Details
Consumer Online Banking Only
MutualOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
828 Concord St, Framingham, MA 01701
3 Month CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
UpdatedApr 3, 2026
Details
1,2
MRV Banks
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670
3 Month CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA 98136
3 Month Share Certificates
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Bank of Washington
Institution Rating:
C+4.1 ★Texas Ratio: 25.51%
200 W Main St, Washington, MO 63090
3 Month CD or IRA CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
UpdatedApr 2, 2026
Details
Interest paid at term or maturity of CD
Metrowest Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
200 Concord St, Framingham, MA 01702 8306
3 Month CD/IRA
$500
3.79%
▼
Rate3.75%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
3 Month Certificates of Deposit
$5,000
3.77%
▼
Rate3.70%
Min Deposit$5,000
UpdatedApr 3, 2026
Details
No additional details available.
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 3 Month Special
$0
3.76%
▼
Rate3.70%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Middlesex Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1 College Ave, Somerville, MA 02144
3 Month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
3 Month CDs
$0
3.70%
▼
Rate3.63%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates 3 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
UpdatedMar 25, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
3 Month IRA Jumbo
$0
3.66%
▼
Rate3.60%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
444 S Rinker Ave, Aurora, MO 65605
90 Day CD
$1,000
3.65%
▼
Rate3.60%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
3 month CD
$500
3.64%
▼
Rate3.58%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1018 Hobart St, Hawley, MN 56549
3 Month (91 Day) CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
UpdatedApr 2, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Collingswood, NJ 08108
3 month CD's
$0
3.56%
▼
Rate3.50%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Vast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
110 N Elgin Ave, Tulsa, OK 74120
3 Month Special IRA Certificates
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
Available for IRAs-Penalties may be imposed for early withdrawal
1st Advantage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
240 Salt Lick Rd, Saint Peters, MO 63376
3 month ADVANTAGE CD/IRA
$0
3.51%
▼
Rate3.46%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
3 Month Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
3 Month Certificate
$500
3.49%
▼
Rate3.45%
Min Deposit$500
UpdatedApr 4, 2026
Details
Daily Balances of: $500 - $99,999.99
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX 76903 7240
3 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
UpdatedMar 25, 2026
Details
No additional details available.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
3-month - Share Certificates (CDs)
$0
3.43%
▼
Rate3.38%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1051 Detroit Ave Ste A, Concord, CA 94518 2457
90 Day Certificate Special
$10,000
3.41%
▼
Rate—
Min Deposit$10,000
UpdatedApr 5, 2026
Details
balances $10,000 - $100,000
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
201 E Cherry St, Nevada, MO 64772
3-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
UpdatedMar 26, 2026
Details
No additional details available.
Summit State Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.86%
500 Bicentennial Way, Santa Rosa, CA 95403
90 Day Certificate of Deposit
$10,000
3.37%
▼
Rate3.31%
Min Deposit$10,000
UpdatedApr 2, 2026
Details
No additional details available.
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
3 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Dakota Community Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2284 3rd St W, Dickinson, ND 58601
3 MONTH CD
$70,000
3.34%
▼
Rate3.30%
Min Deposit$70,000
UpdatedApr 2, 2026
Details
No additional details available.
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
430 Main St, Deer Lodge, MT 59722
90 Day Time CD
$100
3.31%
▼
Rate3.25%
Min Deposit$100
UpdatedApr 3, 2026
Details
No additional details available.
Pioneer Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
109 Commercial St Ne, Salem, OR 97301
3 Month TCD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
453 7th St, Des Moines, IA 50309
3 Month Certificates of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
1600 Medical Dr, Pottstown, PA 19464 3242
90 Day Regular Certificate
$0
3.26%
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
7660 Saltsburg Rd, Pittsburgh, PA 15239
3 Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Dakota Western Bank
Institution Rating:
B-4.3 ★Texas Ratio: 23.92%
202 S Main St, Bowman, ND 58623
3 Month CD
$500
3.24%
▼
Rate—
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
Premier 3 Month CD Special
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
UpdatedMar 29, 2026
Details
No additional details available.
First Community Bank Beemer, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
301 Main St, Bancroft, NE 68004
3 MONTH Certificates of Deposit
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
UpdatedApr 3, 2026
Details
No additional details available.
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1620 Lonnie Abbott Blvd, Ada, OK 74820
3 Mo. Term Share (Certificate) / IRA
$0
3.16%
▼
Rate3.12%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Bank of Vici
Institution Rating:
B-4.3 ★Texas Ratio: 23.13%
121 W Broadway, Vici, OK 73859
3 Month Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
8701 E 116th St, Fishers, IN 46038
3-month CD
$0
3.14%
▼
Rate3.10%
Min Deposit$0
UpdatedMar 27, 2026
Details
Early Withdrawal Penalties: 90 days interest
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
3 Month Certificate of Deposit
$1,000
3.13%
▼
Rate3.10%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
671 Illinois St, Sheridan, WY 82801
3 Month CD
$250,000
3.10%
▼
Rate—
Min Deposit$250,000
UpdatedApr 2, 2026
Details
No additional details available.
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
202 N Main St, Deer Lodge, MT 59722
90 Day Certificate
$0
3.09%
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
9389 Cherry Ave, Fontana, CA 92335
90 DAY CERTIFICATE
$0
3.08%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
111 S King St, Honolulu, HI 96813
Bankohana New Money Special CD 3 Month
$25,000
3.05%
▼
Rate—
Min Deposit$25,000
UpdatedMar 25, 2026
Details
Minimum balance and qualifying deposit of $25,000 - $99,999.99
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 3 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
UpdatedMar 26, 2026
Details
No additional details available.
FSB of Burnet
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
136 E Washington St, Burnet, TX 78611
90 Day CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
3 Month Certificates of Deposit
$0
3.02%
▼
Rate3.00%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
201 3rd St, San Francisco, CA 94103 3143
3-month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
$10,000 to $99,999.99
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
9323 E 21st St, Tulsa, OK 74129 1400
3-month Jumbo Certificate
$100,000
2.95%
▼
Rate2.92%
Min Deposit$100,000
UpdatedMar 24, 2026
Details
No additional details available.
Rate2.90%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 90 Day Certificate
$100,000
2.90%
▼
Rate2.85%
Min Deposit$100,000
UpdatedApr 4, 2026
Details
No additional details available.
Kings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1415 W Lacey Blvd, Hanford, CA 93230
3 Month Certificate
$0
2.89%
▼
Rate2.85%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Texas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
1120 Us Highway 79 N, Henderson, TX 75652
90 Day Certificates of Deposit (CDs)
$500
2.88%
▼
Rate2.85%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Torrington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
129 Main St, Torrington, CT 06790
3 Month CD
$0
2.85%
▼
Rate2.81%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
3 Month Certificate
$500
2.80%
▼
Rate2.77%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
Afena Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1312 W 44th St, Marion, IN 46953 5293
Share Certificates and IRA Certificates 3 MO
$250
2.79%
▼
Rate2.75%
Min Deposit$250
UpdatedApr 4, 2026
Details
No additional details available.
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
GU Certificates 3-month
$100
2.78%
▼
Rate2.75%
Min Deposit$100
UpdatedApr 2, 2026
Details
No additional details available.
Rate2.71%
Min Deposit$500
UpdatedApr 2, 2026
Details
A penalty may be imposed for early withdrawal.
FFB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
7690 N Palm Ave, Fresno, CA 93711
3 Month CD 100,000.00+
$100,000
2.74%
▼
Rate2.70%
Min Deposit$100,000
UpdatedApr 2, 2026
Details
No additional details available.
Verity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
18530 33rd Ave W, Lynnwood, WA 98037
90 day Personal Certificate Account
$0
2.70%
▼
Rate2.67%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
916 N Kings Hwy, Perryville, MO 63775
3 Month CD
$500
2.69%
▼
Rate2.66%
Min Deposit$500
UpdatedMar 25, 2026
Details
No additional details available.
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA 19176
3 Month Share/IRA Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Merchants State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
305 S Main St, Freeman, SD 57029
Certificate of Deposit 3 Month
$0
2.64%
▼
Rate2.61%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
First Federal Bank Littlefield, Texas
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2313 Phelps Ave, Littlefield, TX 79339
3 Month Regular CDs
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
UpdatedMar 26, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
3 month Certificate
$1,000
2.60%
▼
Rate2.57%
Min Deposit$1,000
UpdatedMar 25, 2026
Details
Non-Rewards+ Loyalty Program
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
2518 Main St, Conway, SC 29526 3365
3 Month Regular Share Certificate
$0
2.58%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
$250 Minimum Balance
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ 85607
3 Month Term
$0
2.56%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 3 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX 75703 0551
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
3 Month Share Certificates
$0
2.52%
▼
Rate2.50%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
21 Atlantic Ave, Marblehead, MA 01945
3 Month Certificates of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
3 Month CD/IRA
$0
2.48%
▼
Rate2.45%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO 63901 2304
3 Month Certificate
$500
2.45%
▼
Rate2.43%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
3 Month Term Share & IRA Term Share Accounts
$2,500
2.43%
▼
Rate2.40%
Min Deposit$2,500
UpdatedApr 5, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
3 month CD
$500
2.40%
▼
Rate2.37%
Min Deposit$500
UpdatedMar 24, 2026
Details
No additional details available.
FNB Lawrence County at Walnut Ridge
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
206 W Main St, Walnut Ridge, AR 72476
3 month CD
$1,000
2.37%
▼
Rate2.35%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term Certificate
$0
2.34%
▼
Rate2.32%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
760 Kinnear Rd, Columbus, OH 43212 1488
3 Month Share Certificate
$0
2.30%
▼
Rate2.28%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
3 Month Certificate
$0
2.28%
▼
Rate2.25%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Grinnell State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
814 4th Ave, Grinnell, IA 50112
3 month Certificates of Deposit
$50,000
2.27%
▼
Rate2.25%
Min Deposit$50,000
UpdatedApr 3, 2026
Details
DB4 of & IRA
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
3 Month CD
$500
2.25%
▼
Rate2.23%
Min Deposit$500
UpdatedApr 3, 2026
Details
not available for IRAs
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
1474 Myrtle Ave, Brooklyn, NY 11237 5128
3 month Certificate
$0
2.21%
▼
Rate2.19%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
3 month CDARS-CD
$0
2.20%
▼
Rate—
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
110 Village Sq, Painted Post, NY 14870 1349
Jumbo Certificate 3 Month Jumbo
$0
2.17%
▼
Rate2.15%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
The Baltic State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
101 E Main St, Baltic, OH 43804
3 Month CD
$500
2.15%
▼
Rate2.13%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
5 Star Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 S Cherry St, Mount Pleasant, IA 52641
3 MO Share Certificate
$500
2.10%
▼
Rate—
Min Deposit$500
UpdatedMar 24, 2026
Details
No additional details available.
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
3 Month CD, Traditional IRA CD & Roth IRA CD Accounts
$0
2.05%
▼
Rate2.03%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Bridgeton Onized Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.76%
524 N Pearl St, Bridgeton, NJ 08302
90 Day Certificate
$0
2.04%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
New Market Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
101 Old Town Rd, Elko New Market, MN 55054
Certificates of Deposit 3 month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Utah Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
55 S State St, Salina, UT 84654
3 MONTH CD
$500
2.01%
▼
Rate2.00%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
1605 Northland Blvd, Fort Wayne, IN 46825
3 Month / IRA Certificates
$0
2.00%
▼
Rate1.98%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
SAFE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
7887 Walerga Rd, Antelope, CA 95843
3 Month Certificates
$0
1.92%
▼
Rate1.90%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates 90 Day
$0
1.91%
▼
Rate1.90%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
3 Month CD
$500
1.90%
▼
Rate1.88%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
Security State Bank Basin, WY
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
201 S 4th St, Basin, WY 82410
3 Month CD
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3700 E Alameda Ave, Denver, CO 80209
3 Month Certificates of Deposit (CDs)
$0
1.85%
▼
Rate1.83%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
301 W Falcon Hwy, Flanagan, IL 61740
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
UpdatedApr 3, 2026
Details
No additional details available.
Guthrie Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
104 N Elmer Ave, Sayre, PA 18840
Share Certificate - 90 Day
$1,000
1.82%
▼
Rate1.80%
Min Deposit$1,000
UpdatedApr 5, 2026
Details
No additional details available.
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
90 Day CD
$0
1.81%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
First Citizens State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
207 W Main St, Whitewater, WI 53190
3 Month CD
$0
1.76%
▼
Rate1.75%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN 55422 2926
3 Month Share Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
800 Wayne Ave, Chambersburg, PA 17201 3810
3 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
1.70%
▼
Rate—
Min Deposit$250,000
UpdatedApr 5, 2026
Details
No additional details available.
Genoa Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 Willard Ave, Genoa, NE 68640
3 Month Certificate of Deposit
$0
1.65%
▼
Rate—
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Parkersburg, WV 26101 6048
Share Certificate & IRA Certificate 3 Month
$0
1.63%
▼
Rate1.62%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
MERCK SHARP and DOHME
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
335 W Butler Ave, Chalfont, PA 18914
3-Month Certificates
$0
1.60%
▼
Rate1.59%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
400 Maple St, Overbrook, KS 66524
3 Month Certificates of Deposit (CD's) & Individual Retirement Accounts (IRA's)
$1,000
1.56%
▼
Rate1.55%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Columbia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
703 Broadway St Ste 100, Vancouver, WA 98660
3 Month Certificate
$100,000
1.55%
▼
Rate—
Min Deposit$100,000
UpdatedMar 25, 2026
Details
No additional details available.
Southeastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3205 Mitchell Blvd, Moody AFB, GA 31699
3 Month Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT 59715
3 Month Term Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Bank of Farmington
Institution Rating:
A-5.0 ★Texas Ratio: 15.59%
206 Lions Dr, Williamsfield, IL 61489
3 Month Certificate of Deposit
$1,000
1.46%
▼
Rate—
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
MidAmerica National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
100 W Elm St, Canton, IL 61520
3 month CD
$1,000
1.41%
▼
Rate1.40%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
3 Month Certificate
$0
1.35%
▼
Rate—
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
201 E M 55, Tawas City, MI 48763
Jumbo Certificates 3 Month
$20,000
1.31%
▼
Rate1.30%
Min Deposit$20,000
UpdatedApr 4, 2026
Details
No additional details available.
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
500 10th St, Port Huron, MI 48060
Regular CD 3-Month
$0
1.30%
▼
Rate1.29%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
7651 Jefferson Green Way, Louisville, KY 40219
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
UpdatedMar 25, 2026
Details
Regular Accounts
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
5069 N Broadway St, Chicago, IL 60640
Certificate of Deposit 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
El Dorado Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
4040 El Dorado Rd, Placerville, CA 95667
3 Month CD
$10,000
1.24%
▼
Rate1.23%
Min Deposit$10,000
UpdatedApr 4, 2026
Details
No additional details available.
First Independent Bank Russell, MN
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
300 Front St, Russell, MN 56169
3-Month CD
$2,500
1.21%
▼
Rate1.20%
Min Deposit$2,500
UpdatedApr 3, 2026
Details
No additional details available.
The Community State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.30%
405 Us Highway 271, Wister, OK 74966
30-90 Day CD
$0
1.16%
▼
Rate1.15%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
HEB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
3 Month Term Share Certificate
$10,000
1.15%
▼
Rate1.14%
Min Deposit$10,000
UpdatedApr 5, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
6600 S Yale Ave Ste 101, Tulsa, OK 74136 3344
IRA Certificates 3 Month
$0
1.13%
▼
Rate1.12%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
322 S Main St, Broken Arrow, OK 74012
91-Days (3-Month) Certificates of Deposit (CD)
$0
1.12%
▼
Rate1.12%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO 65265 2014
3 Month Share Certificate
$0
1.10%
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
3 Month Jumbo Share Certificates
$0
1.05%
▼
Rate—
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Oshkosh Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
250 Pearl Ave, Oshkosh, WI 54901 4834
Share Certificates Account 3 Month
$500
1.01%
▼
Rate1.00%
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
474 Prospect Ave, West Orange, NJ 07052
Certificates of Deposit 3-Month
$1,000
1.00%
▼
Rate0.98%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
First State Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
110 W Panola St, Carthage, TX 75633
3 Month - Fixed IRA
$0
0.95%
▼
Rate0.95%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Countybank
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
419 Main St, Greenwood, SC 29646
3 Month Certificates of Deposit
$1,000
0.93%
▼
Rate0.93%
Min Deposit$1,000
UpdatedMar 25, 2026
Details
No additional details available.
First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
227 Market St, Camden, NJ 08102
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
The Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1250 Grundy Ln, SAN Bruno, CA 94066
3 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
State Bank of Newburg
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
300 Congress Dr Hwy 33, Newburg, WI 53060
3 mo Certificate of Deposit
$1,000
0.80%
▼
Rate0.80%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
Opening Balance Under $10,000
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
271 Greenwood St, Worcester, MA 01607
3 Month Certificate
$0
0.76%
▼
Rate0.75%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
3 Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
207 N Main St, Boonsboro, MD 21713
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 3 Month
$0
0.66%
▼
Rate0.66%
Min Deposit$0
UpdatedApr 4, 2026
Details
$10,000+
NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
76 Engle St, Englewood, NJ 07631
IRA Accounts 3 Month Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
North Shore Trust and Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
700 S Lewis Ave, Waukegan, IL 60085
3 Month Certificate
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
WESTconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3227 Schneider Ave SE, Menomonie, WI 54751
3 Month Share Certificates and IRAs
$0
0.55%
▼
Rate0.55%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Security FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
314 4th St, Logansport, IN 46947
Business CDs & IntraFi/ICS Accounts 3 Month
$100,000
0.51%
▼
Rate0.51%
Min Deposit$100,000
UpdatedMar 28, 2026
Details
No additional details available.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Youth 3 Month Share Certificate Account
$0
0.50%
▼
Rate0.50%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
Business Term Share Certificates 3 Month
$0
0.45%
▼
Rate0.45%
Min Deposit$0
UpdatedApr 4, 2026
Details
$1,000.00 minimum balance to earn dividends
Somerville School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
100 Highland Ave, Somerville, MA 02143
90 Day Certificate
$0
0.41%
▼
Rate0.40%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
First National Bank in Amboy
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
108 Elm Street, Franklin Grove, IL 61031
3 Month Certificate of Deposit
$0
0.40%
▼
Rate0.40%
Min Deposit$0
UpdatedApr 4, 2026
Details
$1,000 minimum balance required for all Certificate of Deposits
The Peoples Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
222 W Commercial St, Mazomanie, WI 53560
3 Month Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
3 Month Standard CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Shrewsbury Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
489 BOSTON TPKE, SHREWSBURY, MA 01545
3 Month Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Camp Grove State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
26 Main Street, Camp Grove, IL 61424
Certificate of Deposit 3-Month
$1,000
0.24%
▼
Rate0.24%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Bank of Springfield
Institution Rating:
B4.5 ★Texas Ratio: 21.25%
3400 Wabash Ave, Springfield, IL 62711
3 Month CD
$0
0.21%
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
801 River St, Ontonagon, MI 49953 1620
3 Month Certificate of Deposit
$0
0.15%
▼
Rate0.15%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
F&M Bank & Trust Burlington, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
101 Broadway St, West Burlington, IA 52655
3 Month Certificate of Deposit
$500
0.14%
▼
Rate0.14%
Min Deposit$500
UpdatedApr 3, 2026
Details
$500 Minimum to Open CD
FNB of Hugo
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
321 4th St, Hugo, CO 80821
3 Month CD - Hugo/Limon
$100,000
0.11%
▼
Rate0.11%
Min Deposit$100,000
UpdatedApr 3, 2026
Details
No additional details available.
Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2020 NW 150th Ave, Pembroke Pines, FL 33028 2889
3-Month Certificate
$500
0.10%
▼
Rate0.10%
Min Deposit$500
UpdatedMar 28, 2026
Details
Eligible for IRA or SEP: No
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
716 W Fletcher Ave, Tampa, FL 33612
90 Day Certificate of Deposits
$0
0.07%
▼
Rate0.07%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Hope, NJ 07844
3 Month Certificates of Deposit
$0
0.05%
▼
Rate0.05%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
1020 John Sims Pkwy E, Niceville, FL 32578
3 Month Certificate of Deposit
$1,000
0.03%
▼
Rate0.03%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Sturdy Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2201 Route 50, Woodbine, NJ 08270
3 month Certificate of Deposit
$1,000
0.02%
▼
Rate0.02%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
7 Edward J Lempka Dr, Florida, NY 10921
3 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
UpdatedMar 29, 2026
Details
No additional details available.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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3-Month CD Rate Trend
Daily national average APY for 3-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
3-Month CD — National Avg
2.905%
▲ 1.008 vs 7 days ago
National 3-month CD rates rose 1.008 points over the past 7 days to 2.905% APY, up from 1.897% 7 days ago.
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CD Calculators
3-Month CD FAQs
What is a 3-Month Certificate of Deposit (CD)?
A 3-month CD is a savings account that holds a fixed amount of money for exactly three months. In exchange for committing your funds for 3 months, banks typically offer a higher fixed interest rate than standard savings accounts.
Are 3-month CD rates higher than regular savings accounts?
Yes. Because you agree to leave your money in the bank for a set period, banks are able to offer higher Annual Percentage Yields (APYs).
Is my money safe in a 3-month CD?
Yes. CDs purchased from FDIC-insured banks or NCUA-insured credit unions are protected up to $250,000 per depositor.
What happens if I withdraw money from a 3-month CD early?
If you withdraw funds from your CD before the 3-month maturity date, you will typically face an early withdrawal penalty, which usually equals several months of earned interest.
What is APY and how does it differ from the interest rate?
APY (Annual Percentage Yield) reflects the total amount of interest earned in a year, taking compounding into account. The interest rate is the base rate before compounding. APY is the best number to compare across institutions.
Can I add money to a 3-month CD after opening it?
Traditional CDs do not allow additional deposits after the initial opening. However, some institutions offer add-on CDs that permit additional contributions during the term.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 3-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 1-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: April 5, 2026
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