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Are 3 month CDs worth it?A Chase Certificate of Deposit (CD) account offers guaranteed rates with short- or long-term options. See CD rates and terms. The average national rate on a three-month CD is % as of October 21, , according to data from the FDIC. This rate is the weighted. Today's Standard Fixed Rate CDs ; 3 month � %. % ; 6 month � %. % ; 1 year � %. %.