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Highest 3-Month CD Rates
Compare 3-Month CD rates from 696 banks

By Aviel Fahl

Newest reading: October 5, 2026

Top 10 Rates:4.21-4.50% APYFDIC or NCUA Insured
862 active 3-month cd products tracked. The count includes business, IRA and other CD types, and CDs whose term range covers 3 months.

Top 50 3-Month CD Rates

Ordered by highest APY. Showing the top 50 of 862 3-month cd products tracked across 696 banks.

Newest reading: Monday, October 5, 2026

Top 50 CD terms from 42 banks,sorted by highest APY
#1
Habib American Bank

3 Month CD

Term: 3 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#2
New OMNI Bank, National Association

3-Month CD ($100,000-$250,000)

Term: 3 months

4.48%
APY
Observed: Oct 5, 2026
Min Deposit

$100,000

Branches

Yes

#3
New OMNI Bank, National Association

3-Month CD ($250,000.01 and Above)

Term: 3 months

4.45%
APY
Observed: Oct 5, 2026
Min Deposit

$250,000.01

Branches

Yes

#4
New OMNI Bank, National Association

3-Month CD ($20,000-$49,999.99)

Term: 3 months

4.38%
APY
Observed: Oct 5, 2026
Min Deposit

$20,000

Branches

Yes

#5
New OMNI Bank, National Association

3-Month CD ($50,000-$99,999.99)

Term: 3 months

4.38%
APY
Observed: Oct 5, 2026
Min Deposit

$50,000

Branches

Yes

#6
Popular Direct

3 Months

Term: 3 months

Available nationwide

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

None

#7
New OMNI Bank, National Association

3-Month CD ($10,000-$19,999.99)

Term: 3 months

4.28%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

Yes

#8
Ivy Bank

3-Month High-Yield Certificate of Deposit

Term: 3 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

None

#9
Poppy Bank

3-Month CD

Term: 3 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#10
Bank of Deerfield

90 Day

Term: 3 months

4.21%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#11
Bask Bank

3-Month

Term: 3 months

Available nationwide

4.10%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

None

#12
The North Country Savings Bank

Three Month Business CD

Term: 3 months

4.07%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#13
Farmers and Merchants Bank

3-Month Certificate

Term: 3 months

4.06%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

4.06%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#15
DR Bank

3 Month CD

Term: 3 months

4.05%
APY
Observed: Oct 2, 2026
Min Deposit

$500

Branches

Yes

#16
DR Bank

3 Month IRA CD

Term: 3 months

4.05%
APY
Observed: Oct 2, 2026
Min Deposit

N/A

Branches

Yes

#17
Omb Bank

3 Month CD

Term: 3 months

Available nationwide

4.05%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#18
One American Bank

3 Month CD Special

Term: 3 months

4.05%
APY
Observed: Oct 3, 2026
Min Deposit

$50,000

Branches

Yes

#19
State Bank of Industry

3 Month Certificate of Deposit

Term: 3 months

4.01%
APY
Observed: Sep 30, 2026
Min Deposit

$1,000

Branches

Yes

#20
First Community Bank

3 Month CD Special

Term: 3 months

4.00%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#21
First County Bank

3 Month CD

Term: 3 months

4.00%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#22
South Story Bank & Trust

3-Month CD

Term: 3 months

4.00%
APY
Observed: Oct 2, 2026
Min Deposit

$1,000

Branches

Yes

#23
Bank of the Flint Hills

3 Month CD

Term: 3 months

3.91%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

N/A

#24
BankVista

3 Month CD

Term: 3 months

3.91%
APY
Observed: Oct 3, 2026
Min Deposit

N/A

Branches

N/A

#25
BankVista

3 Month IRA CD

Term: 3 months

3.91%
APY
Observed: Oct 3, 2026
Min Deposit

N/A

Branches

N/A

#26
First National Bank Of Commerce

CDARS 3 Month CD

Term: 3 months

3.91%
APY
Observed: Oct 3, 2026
Min Deposit

$250,000.01

Branches

Yes

#27
FreedomBank

91 Day CD

Term: 3 months

3.91%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#28
Bread Savings

3-Month CD

Term: 3 months

Available nationwide

3.90%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

None

#29
Bread Savings

3-Month Retirement CD

Term: 3 months

3.90%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

N/A

#30
FinWise Bank

90-Day Certificate

Term: 3 months

Available nationwide

3.90%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#31
FirstBank of Nebraska

3 Month CD

Term: 3 months

3.90%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#32
Pathway Bank

3 Month CD

Term: 3 months

3.90%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#33
Shoreham Bank

3 Month CD

Term: 3 months

3.90%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#34
Stearns Bank National Association

3 Month CD

Term: 3 months

3.90%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#35
West Shore Bank

3 Month CD Special

Term: 3 months

3.90%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#36
Auburn Savings Bank, FSB

3 Month CD & IRA Special

Term: 3 months

3.85%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#37
Bank of Washington

3 Month CD

Term: 3 months

3.85%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

N/A

#38
Bank of Washington

IRA 3 Month CD

Term: 3 months

3.85%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

N/A

#39
Citizens Bank & Trust Company

91 Day CD

Term: 3 months

3.85%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#40
Customers Bank

3-Month CD

Term: 3 months

Available nationwide

3.85%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#41
F&M Bank and Trust Company

91 Day CD Special

Term: 3 months

3.85%
APY
Observed: Oct 3, 2026
Min Deposit

$5,000

Branches

Yes

3.85%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#43
First National Bank in Ord

3 Month CD

Term: 3 months

3.85%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#44
First National Bank of Steeleville

91 Day CD

Term: 3 months

3.85%
APY
Observed: Sep 30, 2026
Min Deposit

N/A

Branches

Yes

#45
First Westroads Bank, Inc.

3 Month CD

Term: 3 months

3.85%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#46
Riverside Bank of Dublin

3 Month CD

Term: 3 months

3.85%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#47
State Bank of India (California)

3-6 Month CD

Term: 3-6 months

3.85%
APY
Observed: Oct 1, 2026
Min Deposit

$1,000

Branches

Yes

#48
UMB Bank, National Association

3-Month Time Deposit Special

Term: 3 months

3.85%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#49
Merchants Bank of Indiana

3 Month CD

Term: 3 months

3.82%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#50
Capital Bank

3 Month CD

Term: 3 months

3.80%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes