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You are here: Home / Uncategorized / Best 3-Month CD Rates (February 2023)

Best 3-Month CD Rates (February 2023)

January 30, 2023 by Rob Berger

A 3-month CD may be ideal for those with short-term cash needs. It may also be suited for those who do not want to take on the risk that interest rates could rise in the near term. Below we list the 3-month CDs in our database, ordered from highest APY to lowest.

Note that you may be able to find better rates with alternative account types. For example, online savings accounts or no-penalty CDs may offer higher yields.

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3-Month Certificate of Deposit Rates

35 Results

Fidelity
3-month New Issue CD
APY
4.55%
Min
$100
Max
-

Luana Savings Bank
3-month Jumbo CD
APY
3.50%
Min
$100,000
Max
-

Luana Savings Bank
3-Month CD
APY
3.41%
Min
$2,000
Max
$100k

Citibank
3-month Fixed Rate CD
APY
3.25%
Min
$500
Max
-

Chevron Federal Credit Union
3-months Share Certificate
APY
3.05%
Min
$500
Max
-

Spectrum Credit Union
3-Month Share Certificate
APY
3.05%
Min
$500
Max
-

Teachers Federal Credit Union
3-Month CD
APY
3.00%
Min
$1,000
Max
$100k

Synchrony Bank
3-month CD
APY
2.25%
Min
$1
Max
-

General Electric Credit Union
3-month CD
APY
2.25%
Min
-
Max
-

First Internet Bank
3-months High Yield CD
APY
2.02%
Min
$1,000
Max
-

Ally Bank
3-Month High-Yield CD
APY
2.00%
Min
$1
Max
-

Discover Bank
3-month IRA CD
APY
2.00%
Min
$2,500
Max
-

Colorado Federal Savings Bank
3-Month CD
APY
2.00%
Min
$5,000
Max
-

TIAA Bank
3-Month Basic CD
APY
2.00%
Min
$1,000
Max
-

Discover Bank
3-month High Yield CD
APY
2.00%
Min
$2,500
Max
-

UmbrellaBank
3-Month CD
APY
1.75%
Min
$1,000
Max
-

Credit Union of the Rockies
3-Month CD
APY
1.50%
Min
$500
Max
-

Liberty Federal Credit Union
3-month CD
APY
1.25%
Min
$1,000
Max
-

Ponce Bank
3-month High Yield CD
APY
1.25%
Min
$500
Max
-

TIAA Bank
3-month Business CD
APY
1.20%
Min
$1,500
Max
-

Bank Financial
91-day CD
APY
1.00%
Min
$1,000
Max
-

Bank Financial
91-day Business CD
APY
1.00%
Min
$1,000
Max
-

American Bank
90-day CD
APY
0.75%
Min
$500
Max
-

American Bank
90-day Business CD
APY
0.75%
Min
$500
Max
-

USALLIANCE Financial
3-month CD
APY
0.75%
Min
$500
Max
-

Abound Credit Union
3-month CD
APY
0.75%
Min
$500
Max
-

Abound Credit Union
3-month Business CD
APY
0.75%
Min
$500
Max
-

Continental Bank
3-month High Yield CD via SaveBetter
APY
0.55%
Min
-
Max
-

American First Credit Union
3-month CD
APY
0.55%
Min
$1,000
Max
-

Affinity Plus Federal Credit Union
3-month CD
APY
0.30%
Min
$500
Max
-

ConnectOne Bank
90-day CD
APY
0.25%
Min
$500
Max
-

Nationwide by Axos Bank
3-month CD
APY
0.20%
Min
$500
Max
-

Continental Bank
90-Day High Yield CD
APY
0.20%
Min
$25,000
Max
-

BMO Harris Bank
2-month CD*
APY
0.05%
Min
$100,000
Max
-

BMO Harris Bank
3-month Standard CD*
APY
0.05%
Min
$1,000
Max
-

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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27-month CD via SaveBetter
APY: 5.00%
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APY: 4.40%

High Rate Savings
APY: 4.21%

 

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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