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 361–375 results
- 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid at maturity.
3.96% interest rate · Effective Oct 9, 2026
Rate checked
More details - The Cornerstone BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,0003.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Blackhawk Community Credit UnionShare CertificateCD · 6 months · $1,000 min · 3.50%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,0003.46% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.50% $10,000 and upYour amountJumbo Certificate 4.00% Rate checked
More details - Badger BankCertificates of Deposit (CDs)CD · 6 months · $1,000 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. APY is based on daily compounding and assumes interest remains on deposit. Interest credited quarterly unless noted. Penalty for early withdrawal. Option CD offers a one-time rate change and a one-time opportunity to add additional funds during the term.
3.92% interest rate · Effective Oct 14, 2026
Rate checked
More details - Bank of BrodheadCertificates of Deposit SpecialCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice. Fees could reduce earnings.
Offer: Penalty for early withdrawal and/or restrictions may apply. Fees could reduce earnings.
3.92% interest rate · Effective Oct 14, 2026
Rate checked
More details - Farmers & Merchants State BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Early withdrawal of funds is subject to penalty. Rate is based on term length.
Offer: Compounded at maturity.
Promotional rate · 3.96% interest rate
Rate checked
More details - FreeStar Financial 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 $10,000with conditionsRequirements
Product: Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.
Qualified rate · 3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Family First Credit UnionSave to Win CDCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Save to Win program; $25 deposit into Save to Win account for prize drawings. Rates are APY.
Effective Oct 15, 2026
Rate checked
More details - Community West Credit UnionCertificate of DepositCD · 6–11 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Penalty may be imposed for early withdrawal. Add-on CDs available.
Offer: Penalty may be imposed for early withdrawal.
3.94% interest rate · Effective Oct 16, 2026
Rate checked
More details - Kalsee 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: Membership in Kalsee Credit Union required. CDs subject to early redemption penalties. Fees may reduce earnings.
Offer: 6-Month Promo CD base rate. Funds currently on deposit at Kalsee Credit Union not eligible. Limited time offer.
3.94% interest rate · Balance cap $1,000,000 · Effective Jul 15, 2026
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More details - Y-12 Federal Credit UnionChoose Your Term Special Offer Share CertificateCD · 6–9 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Product: Limited time offer. Minimum balance to receive advertised rate is $500. Automatically renews at maturity unless changes are made during 7-day grace period. Penalty for early withdrawal.
Offer: 6 or 9 Months term.
Promotional rate · 3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - FedEx Employees Credit AssociationShare CertificateCD · 6 months
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Offer: Under $50,000 (Dividends Paid at Maturity)
Effective Oct 13, 2024
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More details - Enrichment Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies: 30 days dividends for terms less than 1 year, 90 days dividends for terms 1 to 5 years. Average daily balance calculation method. Dividends compound based on rate schedule. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - FORUM Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum $500 required to open. Early withdrawal penalties apply. Rates subject to change without notice.
Offer: Early withdrawal penalties apply.
3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000with conditions
Requirements
Product: New money only. Only one CD per household; business entities are not eligible. Earns 4.00% APY plus an additional 4.00% annualized bonus (8.00% effective annualized return) if client applies for a first lien closed end mortgage loan with Leader Bank on or after December 25, 2025, and closes on or before the initial 6-month maturity date.
Offer: Base rate. New money only. Maximum deposit $100,000. One CD per household.
Qualified rate · 3.96% interest rate · Balance cap $100,000 · Effective Oct 15, 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank