Best 3 Month CD rates of November 2026 (Up to 4.58%)

Available Nationwide, Government Insured — November 5, 2026

80 rates, highest APY first
Bank	Type	APY	Actions	Last checked
Austin Capital Bank	3 Month CD	4.58%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
SIState Bank of India	3 Month CD	4.42%up from 4.11%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Bank5 Connect	3 Month CD	4.30%up from 3.20%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Popular Direct	3 Month CD	4.30%up from 4.15%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Climate First Bank	3 Month CD	4.26%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
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Merrick Bank	3 Month CD	4.26%up from 4.08%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Ivy Bank	3 Month CD	4.25%up from 4.00%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
NexBank	3 Month CD	4.25%up from 4.15%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Bask Bank	3 Month CD	4.10%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
BTG Pactual US	3 Month CD	4.10%up from 4.00%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
InTouch Credit Union	3 Month CD	4.10%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
DR Bank	3 Month CD	4.05%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
OMB Bank	3 Month CD	4.05%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Hanscom Federal Credit Union	3 Month CD	4.00%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Total Bank	3 Month CD	4.00%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
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WebBank	3 Month CD	3.96%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
BFBread Financial	3 Month CD	3.95%up from 3.90%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Finworth	3 Month CD	3.95%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Signature Federal Credit Union	3 Month CD	3.95%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Bank of Utah	3 Month CD	3.90%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Banesco	3 Month CD	3.85%up from 3.80%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Customers Bank	3 Month CD	3.85%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
First National Bank of America	3 Month CD	3.85%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Merchants Bank of Indiana	3 Month CD	3.82%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Texas Capital Bank	3 Month CD	3.80%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
USALLIANCE Financial	3 Month CD	3.80%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
City First Bank	3 Month CD	3.75%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
CFColorado Federal Savings Bank	3 Month CD	3.75%up from 3.65%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Goldwater Bank	3 Month CD	3.75%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Space Coast Credit Union	3 Month CD	3.75%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
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Carver Federal Savings Bank	3 Month CD	3.69%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
All In Credit Union	3 Month CD	3.66%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Quontic Bank	3 Month CD	3.66%up from 3.60%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
EagleBank	3 Month CD	3.65%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
HAB Bank	3 Month CD	3.65%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
EverBank	3 Month CD	3.60%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Provident Credit Union	3 Month CD	3.60%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Fifth Third Bank	3 Month CD	3.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Ponce Bank	3 Month CD	3.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Provident NJ	3 Month CD	3.50%up from 3.44%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
First Bank of the Lake	3 Month CD	3.40%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
First Internet Bank	3 Month CD	3.40%up from 3.14%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Atlantic Union Bank	3 Month CD	3.25%up from 3.00%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Service Credit Union	3 Month CD	3.25%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
TFCU	3 Month CD	3.25%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Alliant Credit Union	3 Month CD	3.10%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
UNCLE Credit Union	3 Month CD	3.04%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Digital Federal Credit Union	3 Month CD	3.00%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
First Tech Federal Credit Union	3 Month CD	3.00%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Live Oak Bank	3 Month CD	3.00%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
VVirtual Bank	3 Month CD	2.94%steadyFree Rate AlertWatch This Rate	Share	Oct 2114 days ago
Ally Bank	3 Month CD	2.90%up from 2.80%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
American State Bank	3 Month CD	2.53%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
NNorthpointe Bank	3 Month CD	2.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Ridgewood Savings Bank	3 Month CD	2.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Truliant Federal Credit Union	3 Month CD	2.40%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
LFLangley Federal Credit Union	3 Month CD	2.15%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
GGiantBank	3 Month CD	1.77%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Quorum Federal Credit Union	3 Month CD	1.75%steadyFree Rate AlertWatch This Rate	Share	Oct 306 days ago
NFNavy Federal Credit Union	3 Month CD	1.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
USAA	3 Month CD	1.50%down from 2.00%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Global Credit Union	3 Month CD	1.20%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Davis Trust Company	3 Month CD	1.15%down from 2.52%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Academy Bank	3 Month CD	1.05%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Justice Federal Credit Union	3 Month CD	1.02%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Abound Credit Union	3 Month CD	1.00%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Mountain One Bank	3 Month CD	1.00%down from 3.75%Free Rate AlertWatch This Rate	Share	Nov 31 day ago
Ameriprise Bank	3 Month CD	0.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Chase Bank	3 Month CD	0.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Southeast Financial CU	3 Month CD	0.50%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Great Lakes Credit Union	3 Month CD	0.35%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
First Command Bank	3 Month CD	0.30%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
First Mid Bank & Trust	3 Month CD	0.30%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Synchrony Bank	3 Month CD	0.25%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
MidFirst Direct	3 Month CD	0.10%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Self Help Credit Union	3 Month CD	0.10%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Citibank	3 Month CD	0.05%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Salem Five	3 Month CD	0.05%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
US Bank	3 Month CD	0.05%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago
Charles Schwab Bank	3 Month CD	0.00%steadyFree Rate AlertWatch This Rate	Share	Nov 31 day ago

3 Month CD rate history since RateBrain began tracking »

The 13-week Treasury bill yields 4.13% (November 4, 2026), 0.45 points below the top 3 Month CD at 4.58% APY from Austin Capital Bank. T-bill rates »

CD calculator: what your deposit earns at today’s top rates »

Common questions

What is the best 3 Month CD rate today?

As of November 5, 2026, the highest 3 Month CD rate RateBrain tracks is 4.58% APY from Austin Capital Bank, checked 1 day ago.

What is a typical 3 Month CD rate right now?

The median across the 80 3 Month CD rates RateBrain tracks is 3.45% APY.

How much interest does $10,000 earn in a 3 Month CD?

At 4.58% APY, $10,000 earns about $113 over the 3 month term, held to maturity.

Which rate does RateBrain show for each account?

The APY for a $10,000 deposit, as published by the bank or credit union on its own website.

How often are these rates checked?

RateBrain reads each bank's and credit union's own rate pages on a rolling schedule and records every rate it finds. A rate not confirmed in 30 days is left off this list until it is checked again.

Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.