What is the current 3 Month CD rate?

Our 3 Month CD currently earns up to 3.00% APY. Rates are subject to change — check the rate card above for the most current rates.

What is the minimum deposit?

The minimum deposit to open a Certificate of Deposit at BrightStar is $500.

Can I add money to my CD after opening?

No. CDs are a fixed deposit — once opened, you cannot add additional funds. You can open a separate CD if you'd like to deposit more.

What happens when my 3 Month CD matures?

At maturity, you have several options: withdraw your funds (principal + earned interest), renew for another 3-month term, or switch to a different term. BrightStar will notify you before maturity to discuss your options.

Is there a penalty for early withdrawal?

Yes. If you withdraw funds before the CD matures, an early withdrawal penalty may apply. The penalty amount depends on the term and is outlined in your account agreement. Contact us for specifics.

Is my deposit insured?

Yes. Your CD is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor.

How is a 3 Month CD different from a savings account?

A 3 Month CD offers a guaranteed fixed rate for the full term, while savings account rates can change at any time. The trade-off is your money is committed for 90 days, but you earn a predictable, typically higher return.

How do I open a 3 Month CD?

Click the "Open Your 3 Month CD" button on this page. You'll choose whether you're a new or existing member, then complete the application online. You can also visit any BrightStar branch or call us.

Routing #:Routing Number: 267078299

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3 Month Certificate of Deposit

Earn a guaranteed rate on a 3 Month CD from BrightStar Credit Union. Ultra-short commitment, competitive returns, NCUA insured.

3 Month CD — Grow Your Money Fast

Need a safe place to park your cash for just a few months? BrightStar's 3 Month CD gives you a guaranteed rate with our shortest commitment — so your money earns more without being tied up.

3 Month CD — Earn

3.50% APY*

Guaranteed fixed rate for 3 months

The Quickest Way to Earn More

With just a 90-day commitment, our 3 Month CD is perfect for members who want to earn a guaranteed return while keeping their money accessible in the near term. No market risk, no rate surprises.

✓ Guaranteed fixed rate for the full 3-month term
✓ NCUA insured up to $250,000
✓ Daily compounding, credited monthly
✓ Flexible options at maturity — renew, withdraw, or change terms

Why a 3 Month CD?

Ultra-Short Commitment

Just 90 days. Your money is back in your hands in no time — perfect for short-term goals.

Better Than Savings

Earn more than a standard savings account with a rate that's guaranteed — no fluctuations.

Zero Risk

Your deposit is federally insured by NCUA up to $250,000. Your rate is locked — no surprises.

Ideal For

Short-term savers — earn more while waiting for a bigger purchase or investment opportunity

Business owners — park quarterly reserves and earn guaranteed returns between expenses

CD ladder starters — use a 3 Month CD as the short rung for a diversified CD strategy

3 Month CD Questions, Answered

Find answers to common questions about our checking accounts and services.

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Important Disclosures

*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates shown are our best rates; are correct as of the effective date (07/01/26) shown and are subject to change or end without notice. Your actual rate(s) may vary depending upon a number of factors, including membership level, and length of certificate. Fees could reduce earnings on an account, a penalty will or may be imposed for early withdrawals. Ask a BrightStar Credit Union representative for details. Terms and conditions apply. Membership eligibility required. $500.00 Minimum on Certificate of Deposit. Federally insured by NCUA.