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Best 3-month CD rates for November 2025

Written by
Karen Bennett
Edited by
Yuliya Goldshteyn
Reviewed by
Robert R. Johnson
Verified Badge IconExpert verified

Rates updated between Nov. 4 and Nov. 10

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A three-month certificate of deposit (CD) allows you to earn a fixed rate on your money in the short term. This isn’t a common CD term, so not as many banks and credit unions offer it. If you’re not sure about tying up your money in a three-month CD, look into high-yield savings accounts instead. While rates on those accounts are variable, they’re unlikely to change by much in three months.

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Table of contents

Bankrate’s picks for top 3-month CD rates

Note: Annual percentage yields (APYs) shown were updated between Nov. 4 and Nov. 10. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.

Bask Bank_logo

Bask Bank

Rating: 4 stars out of 5
4.0 Bankrate CD score

  • Annual percentage yield

    4.10%

  • Min. deposit to open

    $1,000

  • Term

    3 months

Why Bask Bank?

Bask Bank’s three-month CD earns a top-notch rate. It requires $1,000 to open it. All of Bask’s CDs earn APYs that are competitive, although the bank doesn’t offer terms longer than two years. In addition to its CDs, Bask Bank also offers a high-yield savings account and a unique mileage savings account.

Texas Capital Bank_logo

Texas Capital Bank

Rating: 4.5 stars out of 5
4.5 Bankrate CD score

  • Annual percentage yield

    4.05%

  • Min. deposit to open

    $1,000

  • Term

    3 months

Why Texas Capital Bank?

Texas Capital Bank has a few CD terms with competitive APYs. These competitive yields are available for people in all 50 states. You can choose from six CD terms at Texas Capital, ranging from one month to two years. The minimum deposit to open a CD is $1,000. Texas Capital Bank also offers two savings accounts, although the one with a competitive APY is only available to applicants with a Texas residential address.

First National Bank of America_logo

First National Bank of America

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    4.00%

  • Min. deposit to open

    $1,000

  • Term

    3 months

Why First National Bank of America?

First National Bank of America (FNBA) has nearly every CD term you could possibly need, with 14 terms ranging from three months to 10 years. The CDs generally offer a competitive yield, including on its longest-term CDs. You'll need at least $1,000 to open a CD at FNBA. You can also open a savings account online at FNBA, and earn a pretty strong rate there, too.

BankFive_logo

BankFive

Rating: 4 stars out of 5
4.0 Bankrate CD score

  • Annual percentage yield

    3.90%

  • Min. deposit to open

    $500

  • Term

    3 months

Why BankFive?

Bank 5 Connect’s eight CD terms range from three months to three years, and its three-month offering earns one of the most competitive APYs around. Most of the CDs at Bank5 have competitive rates. The savings account at Bank5 Connect earns a much lower yield than most of the CDs.

QuonticBank_logo

QuonticBank

Rating: 4 stars out of 5
4.0 Bankrate CD score

  • Annual percentage yield

    3.85%

  • Min. deposit to open

    $500

  • Term

    3 months

Why QuonticBank?

Quontic Bank offers one of the highest rates available for a three-month CD, and its five additional CD terms earn rates above national averages but aren’t as competitive as offerings from other banks. All Quontic Bank CDs require a minimum opening deposit of $500. You can also earn a great rate with Quontic’s savings account (though not quite as high as with this three-month CD).

BanescoUSA_logo

BanescoUSA

Rating: 3.8 stars out of 5
3.8 Bankrate CD score

  • Annual percentage yield

    3.85%

  • Min. deposit to open

    $1,500

  • Term

    3 months

Why BanescoUSA?

Banesco USA offers a competitive yield on its three-month CD. The bank has CDs with terms ranging from three months to three years, some of which also have competitive yields. Banesco requires a minimum opening deposit of $1,000 for its CDs and you can't deposit more than $250,000 into a CD at the bank. Banesco offers other accounts, such as savings accounts, money market accounts and checking accounts, but some of them can only be opened at one of Banesco's branches.

EverBank_logo

EverBank

Rating: 3.9 stars out of 5
3.9 Bankrate CD score

  • Annual percentage yield

    3.80%

  • Min. deposit to open

    $1,000

  • Term

    3 months

Why EverBank?

EverBank currently offers 13 CD terms in total, one of the most comprehensive suites of CDs, and its three-month option has an excellent APY. If you’ve got a lot of money to deposit, the bank offers a service that can expand insurance coverage beyond the usual $250,000. EverBank also has a savings and money market account that both earn high yields (though the money market requires a minimum balance of $10,000 to earn the competitive rate).

Bread Savings_logo

Bread Savings

Rating: 3.9 stars out of 5
3.9 Bankrate CD score

  • Annual percentage yield

    3.80%

  • Min. deposit to open

    $1,500

  • Term

    3 months

Why Bread Savings?

The three-month CD from Bread Savings earns a competitive rate, and so do the bank’s eight other CD terms. Each CD requires a minimum opening deposit of $1,500 and you can find terms up to five years. True to its name, the bank is strictly for savings. It offers a savings account that also earns a high yield but doesn’t offer checking.

WebBank_logo

WebBank

Rating: 3.5 stars out of 5
3.5 Bankrate CD score

  • Annual percentage yield

    3.76%

  • Min. deposit to open

    $2,500

  • Term

    3 months

Why WebBank?

WebBank offers competitive yields on its short-term CDs of one year or less, but low rates on its other terms, which go up to five years. And these CDs have a high minimum deposit requirement: $2,500. The savings account at WebBank has a low rate.

TD Bank_logo

TD Bank

Rating: 3.9 stars out of 5
3.9 Bankrate CD score

  • Annual percentage yield

    3.70%

  • Min. deposit to open

    $250

  • Term

    3 months

Why TD Bank?

TD Bank’s three-month CD has a competitive APY, while the bank’s other eight CD terms are mostly decent (above the national average). Each requires a relatively low minimum deposit of $250, and terms range from three months to five years. TD Bank also offers multiple savings accounts, although it’s not hard to find better savings APYs elsewhere.

Popular Direct_logo

Popular Direct

Rating: 3.5 stars out of 5
3.5 Bankrate CD score

  • Annual percentage yield

    3.70%

  • Min. deposit to open

    $10,000

  • Term

    3 months

Why Popular Direct?

You’ll find a competitive APY on Popular Direct’s three-month CD, as well as high rates on the other terms, which range from three months to five years in length. These CDs are for established savers, since they require a minimum deposit of $10,000. Popular Direct also offers a high-yield savings account with a great rate and a much lower minimum deposit.

Bank of America_logo

Bank of America

Rating: 3 stars out of 5
3.0 Bankrate CD score

  • Annual percentage yield

    3.25%

  • Min. deposit to open

    $1,000

  • Term

    3 months

Why Bank of America?

Bank of America offers a wide range of CD terms between 28 days and 10 years but most of its CDs earn low APYs. The three-month CD is one of the exceptions as it earns a solid APY. And though Bank of America does offer savings accounts, they have incredibly low rates.

How to find the best 3-month CD rates

To find the best annual percentage yields (APYs) on a three-month CD, shop around at credit unions and online-only banks first. They’re the ones that are likeliest to have the best yields. Don’t forget to crunch the numbers and calculate how much interest you could earn by the end of your term.

Bank Icon

When looking at three-month CDs, compare their rates with those offered from top high-yield savings accounts. You may be able to find a savings account that earns a higher yield, and this way you won’t need to lock in your funds for any amount of time — although savings accounts have variable APYs, which means banks can change them at any time.

When should you get a 3-month CD?

A three-month CD could be good for those who want their money to earn a guaranteed rate but need it soon for a planned purchases or to invest elsewhere. A three-month CD could also be used as the shortest rung in a CD ladder. 

The shorter the CD term, the more it will compete with high-yield savings accounts as an alternative. The best time to consider a CD with a three-month (or shorter) term is when the expected interest earned will offer a better return than you'd receive in a savings account.
Bankrate logo Stephen Kates, CFP®, Bankrate financial analyst

Alternatives to 3-month CDs

  • Savings accounts: You may be able to score a higher APY from a savings account than from a three-month CD, and an added benefit of a savings account is it doesn’t tie up your money for any period of time.
  • Money market accounts: Like with savings accounts, you may be able to score a higher APY with a money market account. MMAs are liquid accounts, meaning you have access to your money at any time without an early withdrawal penalty. They sometimes come with a debit card and check-writing privileges, unlike CDs or standard savings accounts (although their minimum deposit requirements may be higher than those of other deposit accounts).
  • Bonds: Like CDs, bonds can offer a higher degree of security than stocks, with both often providing a fixed interest rate. As for liquidity, CDs usually carry an early withdrawal penalty, while bonds have maturity dates — although it’s possible to sell most bonds sooner on secondary markets.

3-month CD FAQs

Meet the Bankrate Experts

Karen Bennett
Written by
Karen Bennett Karen Bennett Arrow Right Icon
Senior Writer, Banking
Read more from Karen
Karen Bennett is a senior consumer banking reporter at Bankrate where she uses her years of banking and personal finance experience to help inform readers about money-related decisions. She’s been a reporter at Bankrate since 2021.
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Expertise
  • Consumer banking
  • Savings accounts
Yuliya Goldshteyn
Edited by
Yuliya Goldshteyn
Editor, Banking
Robert R. Johnson
Reviewed by
Robert R. Johnson
Professor of finance, Creighton University

Research methodology

Bankrate researches over 100 banks and credit unions, including some of the largest financial institutions, online-only banks, regional banks and credit unions with both open and restrictive membership policies.

To find the best three-month CD rates, we regularly survey three-month CD offerings from the banks and credit unions that continually offer the most competitive rates.

The banks and credit unions on this page are selected based on their current APY for a three-month CD and minimum deposit requirements. Only banks and credit unions with broadly available CDs made the list. Learn more about how we choose the best banking products and our methodology for reviewing banks.

Clock and dollar bills representing a Certificate of Deposit, with the title Best CD Rates