3-Month CDs

Best 3-Month CD Rates

A 3-month CD is the shortest commitment most banks offer. It suits money you’ll need within a season — a quarterly tax payment, a planned purchase, or cash you’re parking while you decide on a longer plan. The top widely available listing in our table pays 4.30% APY.

Display date Oct 29, 2026 · By the CompareCDRate editorial team · About our dates · How we verify rates

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4 CD listings shown.

CD listings with APY, term, minimum deposit, early withdrawal terms and source date
Listing	APY	Term	Min. deposit	Early withdrawal	Display date ?	Actions
Online bankListing #QNDGJ · details on inquiryBank · FDIC	4.30%	3 months	$500	Confirm with institution	Oct 29, 2026 National rate survey	Inquire about this CD for listing QNDGJ, 4.30% 3 monthsCompare listing QNDGJ
Institution Shared with you directly after you inquire Availability Nationwide (online) Insurance Issued by an FDIC-insured bank Rate source National rate survey Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
Online bankListing #3GM5M · details on inquiryBank · FDIC	4.30%	3 months	$10,000	Confirm with institution	Oct 29, 2026 National rate survey	Inquire about this CD for listing 3GM5M, 4.30% 3 monthsCompare listing 3GM5M
Institution Shared with you directly after you inquire Availability Nationwide (online) Insurance Issued by an FDIC-insured bank Rate source National rate survey Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
Brokered CD from an FDIC-insured bankListing #V3S8V · details on inquiryBrokered · FDIC	up to 4.27%	3 months	$1,000	No bank penalty; can be sold on the secondary market, possibly for less than you paid	Oct 29, 2026 Brokerage's published rates	Inquire about this CD for listing V3S8V, 4.27% 3 monthsCompare listing V3S8V
Institution Shared with you directly after you inquire Availability Brokerage account required Note Highest yield the brokerage displayed for this term; inventory may include callable CDs. Insurance Issued by an FDIC-insured bank Rate source Brokerage's published rates Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)
Online bankListing #GGGK4 · details on inquiryBank · FDIC	4.10%	3 months	$500	Confirm with institution	Oct 29, 2026 National rate survey	Inquire about this CD for listing GGGK4, 4.10% 3 monthsCompare listing GGGK4
Institution Shared with you directly after you inquire Availability Nationwide (online) Insurance Issued by an FDIC-insured bank Rate source National rate survey Display date Oct 29, 2026 (today, U.S. Eastern Time — not a verification date)

APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures

Is a 3-month CD right for you?

Good fit if…

You’ll need the money within about 90 days
You expect rates to rise and want to reinvest soon
You want a fixed return on cash between other investments

Watch out for…

Interest earned is small in dollar terms because the money is only in for a quarter
Penalties are often a large share of the interest you’d earn
Frequent renewals mean more work and reinvestment risk

What $10,000 could earn

Put $10,000 in the top widely available listing at 4.30% APY for 3 months and you’d earn about $105.81. These estimates assume the APY applies for the full term and interest stays in the CD. Try your own numbers in the CD calculator.

How to choose a 3-month CD

Confirm the maturity date lines up with when you’ll need the money.
Check the minimum deposit and any membership requirement.
Read the early withdrawal penalty so you know the cost if plans change.
Keep within insurance limits — $250,000 per depositor, per institution, per ownership category.
Verify the live rate on the institution’s site before you apply.

3-Month CD FAQs

How much does a 3-month CD earn?

Roughly a quarter of its APY. At 4.00% APY, $10,000 earns about $99 over three months, assuming interest stays in the CD.

Is a 3-month CD better than a high-yield savings account?

It can be if the CD pays more and you’re sure you won’t touch the money. A savings account’s rate can change at any time, while the CD’s rate is fixed for the term. If you might need the cash early, the flexibility of savings often wins.

Do 3-month CDs renew automatically?

Most bank CDs do. Check the grace period — commonly 7 to 10 days — and give instructions before it ends if you don’t want another 3-month term at whatever rate the bank is then paying.

Want help choosing a 3-month CD?

Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.

Compare CD options Free to use. Availability and eligibility vary by institution.