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 16–30 results
- IU Credit UnionTerm CertificatesCD · 6 months · $2,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Must have at least one ownership share on deposit in a Membership Savings account to open additional products. Compounded daily, paid monthly. Early withdrawal penalty applies: 90 days' dividends or all dividends earned (whichever is less) for terms of 1 year or less; 180 days' dividends or all dividends earned (whichever is less) for terms greater than 1 year.
Offer: Paid monthly.
4.40% interest rate · Compounded daily · Effective Sep 23, 2026
Rate checked
More details - Louisville Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Minimum deposit: $1,000. Interest compounded & paid quarterly. Transfer any amount $1,000 or over from your Shares to a CD. Rates subject to change without notice.
Effective Jul 1, 2026
Rate checked
More details - 5 Star CCUShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Dividends Compounded – At Maturity; Dividends Credited – At Maturity; Dividend Period – Account’s Term
Effective Aug 21, 2026
Rate checked
More details - State Employees Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000with conditionsRequirements
Product: Quarterly dividends. Dividend transfer available on 24-60 month terms. Rising Rate Option available on 48 and 60 month terms allowing dividend rate and APY to change once during original term to current rate for same term. Bonus rate condition adds +0.10% each for active checking account, full direct deposit, active SECU credit card, active consumer loan, and current mortgage (+0.50% max).
Offer: Early withdrawal penalty: 90 days interest.
Qualified rate · 4.43% interest rate
Rate checked
More details - Ko’olau FCUShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$223 over 6 months on $10,000Requirements
Product: Ko'olau FCU membership required. Dividends compounded and credited quarterly. Average daily balance method used to calculate dividends. Early withdrawal penalty applies.
Offer: Minimum balance to earn APY is $1,000.00.
4.43% interest rate · Effective Oct 1, 2024
Rate checked
More details - Gulf Capital BankStandard Certificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.49%APY$222 over 6 months on $10,000Requirements
Product: Minimum balance to open is $1,000. For balances of $1,000 – $249,999.99. A penalty will be imposed for early withdrawal. Account auto-renews at maturity with a 10-day grace period.
Offer: Term of 6 Months.
4.40% interest rate · Balance cap $249,999.99 · Effective Aug 3, 2026
Rate checked
More details - Auburn University Credit UnionShare CertificatesCD · 6 months · $2,500 min · 4.46%–4.56% by balance
Credit union · Add a location to see nearby branches
4.46%APY$221 over 6 months on $10,000intro rateRequirements
Product: Dividends accrue daily and are paid quarterly (or at maturity for short terms). Early withdrawal penalty: for less than 18 months, forfeiture of all dividends on amount withdrawn for 90 days; for greater than 18 months, forfeiture of all dividends on amount withdrawn for 180 days.
Offer: Term: 180 Days; Compound Period: Maturity
Promotional rate · 4.46% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and upYour amount 4.46% $100,000 and upJumbo Rate ($100,000+ Deposit); 4.56% Rate checked
More details - Evermore BankWe Got Your Back CDCD · 5–15 months · $10,000 min
Bank · Add a location to see nearby branches
4.45%APYwith conditionsRequirements
Product: No withdrawal penalty.
Offer: No withdrawal penalty.
Qualified rate · 4.36% interest rate
Rate checked
More details - Bank of South TexasCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.44%APY$220 over 6 months on $10,0004.35% interest rate · Effective Sep 24, 2026
Rate checked
More details - Employee Resources Credit UnionCertificates of DepositCD · 6 months · $5,000 min
Credit union · Add a location to see nearby branches
4.42%APY$219 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply. Rates subject to change at any time.
Offer: 182 Days term.
4.35% interest rate · Effective Oct 13, 2026
Rate checked
More details - Happen BankCertificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$218 over 6 months on $10,000Requirements
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 21, 2026
Rate checked
More details - Bank of DeerfieldCertificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$218 over 6 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates as of September 18, 2026.
4.35% interest rate · Effective Sep 18, 2026
Rate checked
More details - Northeast BankPropel Relationship CDsCD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
4.40%APY$218 over 6 months on $10,000with conditionsRequirements
Product: Propel Relationship CD rates include an additional 0.15% APY and are only available when customer opens or already has a Propel Premier Checking Account and Propel Preferred Savings Account. Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money. Must be opened in a banking center. Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: Requires qualifying Propel Premier Checking and Propel Preferred Savings accounts. Must be opened in a banking center. A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Qualified rate · 4.31% interest rate · Effective Oct 14, 2026
Rate checked
More details - Fremont Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$218 over 6 months on $10,000Requirements
Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.
Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - SJP Federal Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$218 over 6 months on $10,000Requirements
Product: Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.
Offer: Fixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details
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 nationwide
4,549 CDs at 4,003 banks and credit unions · checked Oct 15–22
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank