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 301–315 results
- Dynamic Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,000Requirements
Product: All terms require a minimum deposit of $500. Early withdrawal penalty: If certificate is less than 12 months, a 90 day dividend penalty will be imposed; if the certificate is greater than 12 months, a 180 day dividend penalty will be imposed.
Offer: Early withdrawal penalty: If certificate is less than 12 months, a 90 day dividend penalty will be imposed.
3.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Washita State BankWSB Traditional CDCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,000Requirements
Product: Minimum balance of $1,000 to earn APY. Early Withdrawal Penalties May Apply. Interest Rates are Subject to Change Without Notice.
Offer: Early Withdrawal Penalties May Apply. Interest Rates are Subject to Change Without Notice.
3.94% interest rate · Effective Sep 25, 2026
Rate checked
More details - Security First BankTraditional Time Deposit AccountsCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,000Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
Rate checked
More details - B-M S Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,000Requirements
Product: Early withdrawal fee if access to funds needed. $1,000 minimum balance to open account. Transaction limitations apply.
3.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Westroads BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,0003.95% interest rate
Rate checked
More details - Des Moines Metro Credit UnionShare CertificatesCD · 6 months · $5,000 min
Credit union · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,000Requirements
Product: Dividends are compounded quarterly. APY assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn APY, the minimum balance must be maintained in the account every day. Early withdrawal penalty applies.
Offer: Penalty: 3 month.
3.95% interest rate · Compounded quarterly · Effective Oct 28, 2025
Rate checked
More details - First U.S. Community Credit UnionShare CertificateCD · 3–12 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Product: Federally insured by NCUA up to $250,000. Penalty for early withdrawal; withdrawals will reduce earnings.
Offer: Certificate Special: 3, 6, 9 or 12 Month Special. Fixed rate. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates.
Promotional rate · 3.93% interest rate · Effective Oct 16, 2026
Rate checked
More details - O'Bannon BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: $1,000 minimum required to open and obtain APY. Rates subject to change without notice at the discretion of the bank at anytime. Penalty for Early Withdrawal.
3.96% interest rate · Effective Oct 21, 2026
Rate checked
More details - Members First Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
Offer: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 23, 2026
Rate checked
More details - United Churches Credit UnionShare Certificate AccountsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Require a minimum deposit of $500 to open. Terms range from 3 to 60 months. Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
Offer: CD SPECIAL! Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
Promotional rate · 3.93% interest rate
Rate checked
More details - DFCU FinancialShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Federally insured by NCUA. Minimum opening deposit of $1,000 required. Minimum balance to earn APY: $1,000. Dividends compounded and paid quarterly. Early withdrawal penalties apply. Rate is based on principal balance at account opening and will not change during certificate term. Automatic renewal when certificate matures. Dividends on Non-IRA Certificates over $2,500 may be deposited to checking, savings, or any non-IRA deposit account.
3.94% interest rate · Effective Oct 23, 2026
Rate checked
More details - DFCU FinancialShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Federally insured by NCUA. Minimum opening deposit of $1,000 required. Minimum balance to earn APY: $1,000. Dividends compounded and paid quarterly. Early withdrawal penalties apply. Rate is based on principal balance at account opening and will not change during certificate term. Automatic renewal when certificate matures. Dividends on Non-IRA Certificates over $2,500 may be deposited to checking, savings, or any non-IRA deposit account.
Offer: Dividend payments compounded quarterly. Dividend rates are determined by principal balance when certificate is opened. Early withdrawal penalties apply.
3.94% interest rate · Compounded quarterly · Balance cap $24,999 · Effective Oct 20, 2026
Rate checked
More details - First Community Credit UnionProsper Max Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).
3.93% interest rate
Rate checked
More details - Reading Cooperative BankCertificate of Deposit AccountsCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Fixed-rate CD. Terms from 6 months to 5 years. Early withdrawal penalties may be imposed. Maximum online deposit of $500,000.00 for certain terms. Monthly maintenance fee: No.
Offer: Interest compounds daily on a 365-day basis.
Promotional rate · 3.93% interest rate · Effective Oct 21, 2026
Rate checked
More details - Nebraska BankCertificates of Deposit (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: No setup or maintenance fees. CDs renew automatically upon maturity. Early withdrawals subject to penalty (3 months interest penalty on terms 12 months and under, 6 months interest penalty on terms more than 12 months).
3.94% interest rate · Effective Oct 20, 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
4,547 CDs at 3,998 banks and credit unions · checked Oct 16–23
- 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