Highest 3-Month CD Rates
Compare 3-Month CD rates from 76 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:3.80-4.05% APYFDIC or NCUA Insured

98 active 3-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 3-Month CD Rates

Ordered by highest APY. Showing the top 50 of 98 3-month cd products tracked across 76 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 42 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Omb Bank 3 Month CD Term: 3 months	4.05%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#2	First County Bank 3 Month CD Term: 3 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#3	FirstBank of Nebraska 3 Month CD Term: 3 months	4.00%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#4	Ivy Bank 3-Month High-Yield Certificate of Deposit Term: 3 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#5	Poppy Bank 3-Month CD Term: 3 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#6	Bask Bank 3-Month Term: 3 months	3.95%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#7	FinWise Bank 90-Day Certificate Term: 3 months	3.90%APY Verified: Aug 16, 2026 Access: Branch access	$500
#8	Popular Direct 3 Months Term: 3 months	3.90%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#9	F&M Bank and Trust Company 91 Day CD Special Term: 3 months	3.85%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#10	Bread Savings 3-Month CD Term: 3 months	3.80%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#11	First State Bank of Campbell Hill 91-Day Certificates of Deposits Term: 3 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$500
#12	Global Bank 3-Month Certificate of Deposit Term: 3 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#13	Carver Bank 91 Day CD Term: 3 months	3.69%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#14	Colorado Federal Savings Bank 3-Month CD Term: 3 months	3.65%APY Verified: Aug 20, 2026 Access: Online only	$5,000
#15	First Federal Savings and Loan Association of McMinnville 3 Month CD Term: 3 months	3.65%APY Verified: Aug 15, 2026 Access: Branch access	$500
#16	Customers Bank 3-Month CD Term: 3 months	3.60%APY Verified: Aug 19, 2026 Access: Branch access	$500
#17	EverBank 3-Month CD Term: 3 months	3.60%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#18	First Federal Bank of Kansas City 3-Month CD Term: 3 months	3.60%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#19	First Federal Savings and Loan Association of Lakewood 3-Month CD Special Term: 3 months	3.60%APY Verified: Aug 21, 2026 Access: Branch access	$500
#20	Quontic Bank 3 Month CD Term: 3 months	3.60%APY Verified: Aug 19, 2026 Access: Online only	$500
#21	The Napoleon State Bank 91-Day CD Term: 3 months	3.60%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#22	Fifth District Savings Bank 3 Months CD Term: 3 months	3.50%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#23	Fifth District Savings Bank 3 Months IRA CD Term: 3 months	3.50%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#24	Newtek Bank 3-Month CD Term: 3 months	3.50%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#25	Peoples Trust Company of St. Albans 3 Month CD Term: 3 months	3.50%APY Verified: Aug 19, 2026 Access: Branch access	$500
#26	Peoples Trust Company of St. Albans 3 Month IRA Term: 3 months	3.50%APY Verified: Aug 19, 2026 Access: Branch access	$500
#27	Forbright Bank 3-5 Month CD Term: 3-5 months	3.45%APY Verified: Aug 20, 2026 Access: Branch access	$1,000
#28	Ergo Bank 91 Day CD Term: 3 months	3.44%APY Verified: Aug 16, 2026 Access: Branch access	$2,500
#29	First State Bank & Trust 91 Day CD Special Term: 3 months	3.40%APY Verified: Aug 16, 2026 Access: Branch access	$500
#30	Gate City Bank 3 Month Relationship CD Term: 3 months	3.40%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#31	MutualOne Bank 3-Month CD Special Term: 3 months	3.35%APY Verified: Aug 21, 2026 Access: Branch access	$500
#32	First Commerce Bank 3 Month CD Term: 3 months	3.29%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#33	First Commerce Bank 3 Month IRA CD Term: 3 months	3.29%APY Verified: Aug 15, 2026 Access: Branch access	$100
#34	First Bank and Trust Company of Illinois 91 Day CD Term: 3 months	3.21%APY Verified: Aug 19, 2026 Access: Branch access	$2,500
#35	Bank5 Connect 3-Month CD Term: 3 months	3.20%APY Verified: Aug 21, 2026 Access: Online only	$500
#36	PlainsCapital Bank 90 Day CD Term: 3 months	3.19%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#37	PlainsCapital Bank Business 90 Day CD Term: 3 months	3.19%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#38	EverBank 3 month CDAR Term: 3 months	3.05%APY Verified: Aug 20, 2026 Access: Branch access	$10,000
#39	First State Bank 91 Day CD Term: 3 months	3.03%APY Verified: Aug 15, 2026 Access: Branch access	$2,500
#40	West Central Bank 3-Month CD 1,2 Term: 3 months	3.03%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#41	Bank of America 90-179 Day Fixed Term CD Term: 3-5 months	3.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#42	Dundee Bank 91 Day CD Term: 3 months	3.00%APY Verified: Aug 16, 2026 Access: Branch access	$500
#43	Fall River Five Cents Savings Bank 3 Month CD Special Term: 3 months	3.00%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#44	Gateway Bank 3 Month CD Term: 3 months	3.00%APY Verified: Aug 16, 2026 Access: Branch access	N/A
#45	Live Oak Bank 3-Month Personal CD Term: 3 months	3.00%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#46	Live Oak Bank 3-Month Business CD Term: 3 months	3.00%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#47	Gate City Bank 3 Month CD Term: 3 months	2.90%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#48	Dundee Bank 91 Day IRA CD Term: 3 months	2.85%APY Verified: Aug 16, 2026 Access: Branch access	$500
#49	First Federal Savings and Loan Association 91 Day CD (No Penalty) Term: 3 months	2.85%APY Verified: Aug 19, 2026 Access: Branch access	$500
#50	Garden Plain State Bank 91 Day CD Term: 3 months	2.78%APY Verified: Aug 16, 2026 Access: Branch access	$1,000

Omb Bank

3 Month CD

Term: 3 months

4.05%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

First County Bank

3 Month CD

Term: 3 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

FirstBank of Nebraska

3 Month CD

Term: 3 months

4.00%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

Ivy Bank

3-Month High-Yield Certificate of Deposit

Term: 3 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

Poppy Bank

3-Month CD

Term: 3 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

Bask Bank

3-Month

Term: 3 months

3.95%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

FinWise Bank

90-Day Certificate

Term: 3 months

3.90%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

Popular Direct

3 Months

Term: 3 months

3.90%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

F&M Bank and Trust Company

91 Day CD Special

Term: 3 months

3.85%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#10

Bread Savings

3-Month CD

Term: 3 months

3.80%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

#11

First State Bank of Campbell Hill

91-Day Certificates of Deposits

Term: 3 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#12

Global Bank

3-Month Certificate of Deposit

Term: 3 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#13

Carver Bank

91 Day CD

Term: 3 months

3.69%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#14

Colorado Federal Savings Bank

3-Month CD

Term: 3 months

3.65%

APY

Verified: Aug 20, 2026

Min Deposit

$5,000

Access

Online only

#15

First Federal Savings and Loan Association of McMinnville

3 Month CD

Term: 3 months

3.65%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#16

Customers Bank

3-Month CD

Term: 3 months

3.60%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#17

EverBank

3-Month CD

Term: 3 months

3.60%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#18

First Federal Bank of Kansas City

3-Month CD

Term: 3 months

3.60%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#19

First Federal Savings and Loan Association of Lakewood

3-Month CD Special

Term: 3 months

3.60%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#20

Quontic Bank

3 Month CD

Term: 3 months

3.60%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Online only

#21

The Napoleon State Bank

91-Day CD

Term: 3 months

3.60%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#22

Fifth District Savings Bank

3 Months CD

Term: 3 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#23

Fifth District Savings Bank

3 Months IRA CD

Term: 3 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#24

Newtek Bank

3-Month CD

Term: 3 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#25

Peoples Trust Company of St. Albans

3 Month CD

Term: 3 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#26

Peoples Trust Company of St. Albans

3 Month IRA

Term: 3 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#27

Forbright Bank

3-5 Month CD

Term: 3-5 months

3.45%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Branch access

#28

Ergo Bank

91 Day CD

Term: 3 months

3.44%

APY

Verified: Aug 16, 2026

Min Deposit

$2,500

Access

Branch access

#29

First State Bank & Trust

91 Day CD Special

Term: 3 months

3.40%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#30

Gate City Bank

3 Month Relationship CD

Term: 3 months

3.40%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#31

MutualOne Bank

3-Month CD Special

Term: 3 months

3.35%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#32

First Commerce Bank

3 Month CD

Term: 3 months

3.29%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#33

First Commerce Bank

3 Month IRA CD

Term: 3 months

3.29%

APY

Verified: Aug 15, 2026

Min Deposit

$100

Access

Branch access

#34

First Bank and Trust Company of Illinois

91 Day CD

Term: 3 months

3.21%

APY

Verified: Aug 19, 2026

Min Deposit

$2,500

Access

Branch access

#35

Bank5 Connect

3-Month CD

Term: 3 months

3.20%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#36

PlainsCapital Bank

90 Day CD

Term: 3 months

3.19%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#37

PlainsCapital Bank

Business 90 Day CD

Term: 3 months

3.19%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#38

EverBank

3 month CDAR

Term: 3 months

3.05%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Branch access

#39

First State Bank

91 Day CD

Term: 3 months

3.03%

APY

Verified: Aug 15, 2026

Min Deposit

$2,500

Access

Branch access

#40

West Central Bank

3-Month CD 1,2

Term: 3 months

3.03%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#41

Bank of America

90-179 Day Fixed Term CD

Term: 3-5 months

3.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#42

Dundee Bank

91 Day CD

Term: 3 months

3.00%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#43

Fall River Five Cents Savings Bank

3 Month CD Special

Term: 3 months

3.00%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#44

Gateway Bank

3 Month CD

Term: 3 months

3.00%

APY

Verified: Aug 16, 2026

Min Deposit

N/A

Access

Branch access

#45

Live Oak Bank

3-Month Personal CD

Term: 3 months

3.00%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#46

Live Oak Bank

3-Month Business CD

Term: 3 months

3.00%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#47

Gate City Bank

3 Month CD

Term: 3 months

2.90%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#48

Dundee Bank

91 Day IRA CD

Term: 3 months

2.85%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#49

First Federal Savings and Loan Association

91 Day CD (No Penalty)

Term: 3 months

2.85%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#50

Garden Plain State Bank

91 Day CD

Term: 3 months

2.78%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access