Best 3 months CD Rates
Compare 3 months certificate of deposit rates from FDIC-insured banks. Lock in a guaranteed return with no risk.
Last updated: March 2, 2026
| Bank | APY | Min. Deposit | Early Withdrawal Penalty | |
|---|---|---|---|---|
BestBlue Foundry Bank | 4.20% | $0 | Varies | Visit → |
Northern Bank Direct | 4.15% | $0 | Varies | Visit → |
Brilliant Bank | 4.00% | $1 | Varies | Visit → |
Carver Federal Savings Bank | 4.00% | $2 | Varies | Visit → |
Dow Credit Union | 4.00% | $500 | Varies | Visit → |
Farmers Insurance Federal Credit Union | 4.00% | $0 | Varies | Visit → |
Ivy Bank | 4.00% | $1 | Varies | Visit → |
Ponce Bank Direct | 4.00% | $500 | Varies | Visit → |
OceanFirst Bank | 3.92% | $0 | Varies | Visit → |
HAB Bank | 3.90% | $1 | Varies | Visit → |
Popular Direct | 3.90% | $10 | Varies | Visit → |
Bask Bank | 3.85% | $1 | Varies | Visit → |
Chartway Federal Credit Union | 3.85% | $0 | Varies | Visit → |
Quontic Bank | 3.85% | $0 | Varies | Visit → |
Affinity Plus Federal Credit Union | 3.80% | $500 | Varies | Visit → |
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CD Ladder Calculator →Frequently Asked Questions
What is the best 3 months CD rate right now?
The best 3 months CD rate is currently 4.20% from Blue Foundry Bank. Rates are verified and updated regularly.
Is a 3 months CD a good investment?
A 3 months CD is a safe, FDIC-insured investment that locks in a guaranteed rate. Shorter-term CDs offer more flexibility with competitive rates.
What happens when my CD matures?
When your CD matures, you can withdraw your principal plus earned interest penalty-free. Most banks will auto-renew into a new CD at current rates if you take no action, so set a reminder.