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You are here: Home / Banking / Certificates of Deposit / Best 3-Month CD Rates (May 2023)

Best 3-Month CD Rates (May 2023)

April 26, 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.

Featured Offer: Blue Federal Credit Union 9-Month No-Penalty CD

  • 9-Month No-Penalty CD
  • APY: 5.00%
  • Min. Deposit: $1
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3-Month Certificate of Deposit Rates

77 Results

Fidelity
3-month New Issue CD**
APY
5.25%
Min
$100
Max
-

Ponce Bank
3-month High Yield CD via Savebetter
APY
5.15%
Min
$1
Max
-

Western Alliance Bank
3-month CD via SaveBetter
APY
5.00%
Min
$1
Max
-

UmbrellaBank
3-Month CD
APY
4.75%
Min
$10,000
Max
-

Newtek Bank
3-month CD
APY
4.60%
Min
$2,500
Max
$250k

Popular Direct
3-month CD
APY
4.50%
Min
$10,000
Max
-

America First Credit Union
3-5 months CD
APY
4.50%
Min
$500
Max
-

Teachers Federal Credit Union
3-Month CD
APY
4.50%
Min
$1,000
Max
$100k

NexBank
3-month Online Jumbo CD
APY
4.35%
Min
$100,000
Max
$5,000k

America First Credit Union
3-5 months Bump-Rate CD
APY
4.35%
Min
$500
Max
-

NexBank
3-month Online CD
APY
4.30%
Min
$25,000
Max
$100k

NexBank
3-month Standard CD
APY
4.25%
Min
$10,000
Max
$25k

Luana Savings Bank
3-month Jumbo CD
APY
4.11%
Min
$100,000
Max
-

Forbright
3-5 month CD
APY
4.00%
Min
$1,000
Max
-

TIAA Bank
3-Month Basic CD
APY
4.00%
Min
$1,000
Max
-

Luana Savings Bank
3-Month CD
APY
3.96%
Min
$2,000
Max
$100k

Chevron Federal Credit Union
3-months Share Certificate
APY
3.80%
Min
$500
Max
-

Spectrum Credit Union
3-Month Share Certificate
APY
3.80%
Min
$500
Max
-

Third Federal Savings & Loan
3-month Special CD
APY
3.50%
Min
$500
Max
-

Third Federal Savings & Loan
3-months CD
APY
3.50%
Min
$500
Max
-

UNIFY Financial Credit Union
3-month CD
APY
3.50%
Min
$1,000
Max
-

UNIFY Financial Credit Union
3-month CD
APY
3.50%
Min
$40,000
Max
-

UNIFY Financial Credit Union
3-month Jumbo CD
APY
3.50%
Min
$100,000
Max
-

Ponce Bank
3-month High Yield CD
APY
3.50%
Min
$500
Max
-

United Texas Bank
3-month CD
APY
3.44%
Min
$1,000
Max
-

United Texas Bank
3-month Business CD
APY
3.44%
Min
$1,000
Max
-

First Internet Bank
3-months High Yield CD
APY
3.04%
Min
$1,000
Max
-

Colorado Federal Savings Bank
3-Month CD
APY
2.55%
Min
$5,000
Max
-

Seattle Bank
3-month CD
APY
2.50%
Min
$1,000
Max
$220k

Ally Bank
3-Month High-Yield CD
APY
2.50%
Min
$1
Max
$0k

Thrivent Credit Union
3-month CD
APY
2.50%
Min
$1,000
Max
-

TIAA Bank
3-month Business CD
APY
2.45%
Min
$1,500
Max
-

United States Senate Federal Credit Union
3-months Plus Jumbo Business CD
APY
2.38%
Min
$200,000
Max
-

United States Senate Federal Credit Union
3-months Plus Jumbo CD
APY
2.38%
Min
$200,000
Max
-

United States Senate Federal Credit Union
3-months Jumbo CD
APY
2.33%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union
3-months Jumbo Business CD
APY
2.33%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union
3-months CD
APY
2.28%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union
3-months Business CD
APY
2.28%
Min
$1,000
Max
$100k

Finworth
90-day CD
APY
2.27%
Min
$50,000
Max
$240k

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

Matadors Community Credit Union
3-month CD
APY
2.00%
Min
$1,000
Max
-

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

La Capitol Federal Credit Union
91-day Share Certificate
APY
2.00%
Min
$5,000
Max
-

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

NuVision Credit Union
3-month Jumbo CD
APY
1.85%
Min
$100,000
Max
-

NuVision Credit Union
3-month CD
APY
1.80%
Min
$50,000
Max
-

Signature Federal Credit Union
3-month CD
APY
1.75%
Min
$500
Max
-

NuVision Credit Union
3-month CD
APY
1.75%
Min
$25,000
Max
-

Credit Union of the Rockies
3-Month CD
APY
1.75%
Min
$500
Max
-

NuVision Credit Union
3-month CD
APY
1.70%
Min
$1,000
Max
-

Matadors Community Credit Union
3-month Flex CD
APY
1.65%
Min
$2,500
Max
-

Bank Financial
91-day CD
APY
1.25%
Min
$1,000
Max
-

Bank Financial
91-day Business CD
APY
1.25%
Min
$1,000
Max
-

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

Zeal Credit Union
91-days Jumbo CD
APY
1.20%
Min
$100,000
Max
-

Zeal Credit Union
91-days CD
APY
1.10%
Min
$25,000
Max
$100k

Abound Credit Union
3-month CD
APY
1.00%
Min
$500
Max
-

Abound Credit Union
3-month Business CD
APY
1.00%
Min
$500
Max
-

MainStreet Bank
13-week CD
APY
1.00%
Min
$10,000
Max
-

MainStreet Bank
13-week Business CD
APY
1.00%
Min
$10,000
Max
-

Zeal Credit Union
91-days CD
APY
1.00%
Min
$1,000
Max
$25k

Teachers Federal Credit Union
3-month Jumbo CD
APY
1.00%
Min
$100,000
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
-

Langley Federal Credit Union
3-month CD
APY
0.75%
Min
$100
Max
-

Fort Bragg Federal Credit Union
3-months Share Certificate
APY
0.65%
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
-

BrioDirect
3-month High Yield CD
APY
0.25%
Min
$500
Max
-

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

XCEL Federal Credit Union
3-months 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
-


**Rates for brokered CDs can change daily. While we aim to have the latest rates for these CDs on our site, be sure to check the brokerage site to confirm rates.

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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Featured High-Yield CDs

27-month CD via SaveBetter
APY: 5.15%
12-month CD via SaveBetter
APY: 5.01%

9-month No Penalty CD via SaveBetter
APY: 5.00%

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We work hard to make sure the information on this site is accurate. There is no guarantee, however, that it is. So please confirm rates, terms, and all other information directly with the bank, credit union, credit card issuer, or other financial institution before opening an account or otherwise making a financial decision.

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