Compare Bank & Credit Union Rates
Best 6-month CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 75 results in Traverse City, MI metro
- CommunityWide Federal Credit UnionCW CertificatesCD · 6 months · $1,000 min
Credit union · Opens accounts online nationwide
4.40%APY$218 over 6 months on $10,000Requirements
Offer: Dividends paid at end of each month. 6-18 Months: You choose your term for the set rate.
4.31% interest rate · Effective Nov 1, 2026
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More details - 4.40%APY$218 over 6 months on $10,000
Requirements
Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.
4.31% interest rate · Balance cap $500,000 · Effective Oct 29, 2026
Rate checked
More details - Quorum Federal Credit UnionCertificate AccountCD · 6 months · $100 min
Credit union · Opens accounts online nationwide
4.40%APY$218 over 6 months on $10,000Requirements
Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.
Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.
4.31% interest rate · Effective Oct 19, 2026
Rate checked
More details - Popular DirectPopular Direct Certificate of DepositCD · 6 months · $10,000 min
Part of Popular Bank · Opens accounts online nationwide
4.35%APY$215 over 6 months on $10,000Requirements
Product: $10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.
Offer: Fixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 120 days simple interest for terms >=91 days but <12 months.
4.26% interest rate · Compounded daily · Effective Oct 26, 2026
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More details - 4.30%APY$213 over 6 months on $10,000
Requirements
Product: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.
4.21% interest rate · Balance cap $250,000 · Effective Nov 5, 2026
Rate checked
More details - 4.30%APY$213 over 6 months on $10,000
Requirements
Product: Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.
Balance cap $250,000
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More details - Ivy BankHigh-Yield Certificates of DepositCD · 6 months · $1,000 min
Part of Cambridge Savings Bank · Opens accounts online nationwide
4.25%APY$210 over 6 months on $10,000Requirements
Product: Rates effective as of 11/1/26 and are subject to change without notice. Minimum opening deposit of $1,000. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings.
Offer: Based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. Withdrawals and penalties may reduce earnings.
Effective Nov 1, 2026
Rate checked
More details - Zynlo BankZYNLO 6 Month Certificate of DepositCD · 6 months · $0 min
Part of PeoplesBank · Opens accounts online nationwide
4.25%APY$210 over 6 months on $10,000Requirements
Product: APY is for the 6-month CD. Rate is fixed for the term. No minimum deposit to open. Minimum daily balance $0.01 to obtain APY. APY assumes interest remains on deposit until maturity; a withdrawal reduces earnings. Early withdrawal penalty equals 3 months of interest. Automatic renewal with 10-day grace period.
Offer: Rates from current rate sheet.
4.16% interest rate
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More details - Synchrony BankCertificate of Deposit (CD)CD · 6 months · $0 min
Bank · Opens accounts online nationwide
4.20%APY$208 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.11% interest rate · Effective Oct 29, 2026
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More details - Valley DirectCertificates of DepositCD · 6 months · $500 min
Part of Valley · Opens accounts online nationwide
4.10%APY$203 over 6 months on $10,000intro rateRequirements
Product: Accounts opened online through Valley Direct only. Consumer accounts only. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal.
Offer: Fixed rate for 6-month CD promotion. $500 minimum daily balance is required to obtain the advertised APY. Must be opened with a new money deposit (funds from an external funding source that are not presently on deposit in any other Valley National Bank account including Valley Direct accounts and certificates of deposit). APY is guaranteed for the entire term. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal.
Promotional rate · Balance cap $500,000 · Effective Nov 5, 2026
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More details - Signature Federal Credit UnionStandard Share CertificateCD · 6 months · $500 min
Credit union · Opens accounts online nationwide
4.10%APY$203 over 6 months on $10,000Requirements
Product: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
Effective May 27, 2026
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More details - Rising BankTerm CDCD · 6 months · $1,000 min
Part of Midwest BankCentre · Opens accounts online nationwide
4.05%APY$200 over 6 months on $10,000Requirements
Product: Accrued interest is added to account; earns simple interest. Early withdrawal penalty applies: for 1-year CDs, 90 days' interest; for CDs with terms more than 1 year, 180 days' interest. 10-day grace period. Account maximum $1,000,000. Interest credited every 3 months.
Offer: Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $1,000,000 · Effective Oct 30, 2026
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 6 months · $1,500 min
Bank · Opens accounts online nationwide
4.05%APY$200 over 6 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 90 days simple interest for terms shorter than 1 year.
Compounded daily · Balance cap $1,000,000 · Effective Oct 29, 2026
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More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Product: Minimum balance to open and obtain APY is $500.
3.99% interest rate · Effective Oct 16, 2026
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: No monthly maintenance fees. APY is fixed for the term of the CD but subject to change upon renewal. Early withdrawal penalty applies. Ten Day Best Rate Guarantee. Compound interest daily. Available to open in the name of a trust. Automatic renewal at maturity. 0.05% Loyalty Reward when renewing to any CD.
Offer: No minimum deposit to open or earn APY. Fixed rate. Early withdrawal penalty applies (60 days loss of interest).
Effective Nov 5, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 6-month CDs pay in Traverse City, MI metro
75 CDs at 63 banks and credit unions · checked Oct 22–Nov 7
- Typical
- 3.50%
- Top 10% from
- 4.23%
- Banks, typical
- 3.75%
- Credit unions, typical
- 3.35%
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Traverse City, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Northwest Consumers Federal Credit UnionCredit union · 2 branches
- MSU Federal Credit UnionCredit union · 2 branches
- Northland Area FCUCredit union · 1 branch