What is the current 3-month cd national average rate?

The 3-Month CD National Average Rate is 1.15% as of July 17, 2026, sourced from FDIC National Rates and Rate Caps.

Where does the 3mo cd data come from?

Data is pulled from FDIC National Rates and Rate Caps (https://www.fdic.gov/resources/bankers/national-rates/). CalcFi caches the latest reading and historical series on an weekly cadence.

How often is the 3mo cd updated?

Update cadence: weekly. The freshness pill at the top of the page shows the exact "as of" timestamp for the latest cached value.

What unit is the 3mo cd reported in?

Values are reported in percent (annualized where applicable). The chart and historical table use the same unit.

Can I download 3mo CD data?

Yes. The full historical series is available as JSON at https://calcfi.app/api/data/cd-3mo-national-rate and as CSV at https://calcfi.app/api/data/cd-3mo-national-rate/history.csv. Both are CC BY 4.0.

Is 3-Month CD National Average Rate data free to use?

Yes. CalcFi-distributed data is licensed CC BY 4.0 (attribution required). Upstream public-source data (FRED, BLS, Census) remains in its original license.

How accurate is the 3mo cd on this page?

Values mirror the upstream FDIC National Rates and Rate Caps feed at fetch time. Brief upstream revisions can cause small discrepancies between the live source and CalcFi's cache; the freshness pill flags stale data.

Which calculators use 3mo cd?

Related calculators on CalcFi: CD Calculator. Each prefills the latest 3mo cd value.

Does this data replace financial advice?

No. 3-Month CD National Average Rate data is published for educational reference. It is not personalized investment, tax, or legal advice. For decisions with material consequences, consult a licensed professional.

3-Month CD National Average Rate 2026 — 1.15% (Jul 17, 2026) | Free Data

3-Month CD National Average RateLive· 54m ago

1.15%

As of July 17, 2026

Calculate cd calculator at 1.15%

Historical chart

About this data

The FDIC National Rate Cap for 3-month certificates of deposit — weighted average APY. A short-duration locked-in savings product; penalty applies for early withdrawal.

Data sourced directly from FDIC National Rates and Rate Caps. Updated weekly. Published by CalcFi Editorial. See our methodology.

CalcFi publishes publicly available government economic data. We do not provide financial advice. Consult a licensed advisor before making financial decisions.

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