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 31–45 results
- Quorum Federal Credit UnionCertificate AccountCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
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 A penalty will be imposed if funds are withdrawn prior to maturity date.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 Sep 29, 2026
Rate checked
More details - Friona Texas Federal Credit Union6 Month CDCD · 6 months
Credit union · Add a location to see nearby branches
4.39%APY$217 over 6 months on $10,0004.30% interest rate
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More details - DeWitt Savings BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.36%APY$216 over 6 months on $10,000Requirements
Product: Fixed-rate, fixed-term CDs under $100,000; rates not for public entities; amounts of $100,000 or greater require calling for rates; applicants must be over 18 and reside in Illinois.
Offer: Less than $100,000; min balance to earn APY $1,000.
4.32% interest rate · Effective Oct 6, 2026
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More details - First Jackson BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$215 over 6 months on $10,000intro rateRequirements
Product: The minimum balance to open an account and obtain the APY is $1000. A penalty may be imposed for early withdrawal.
Offer: 182 Day Certificate of Deposit. APY assumes funds remain on deposit a full year at the listed rate or until maturity, whichever is greater. Penalty for early withdrawal.
Promotional rate · 4.30% interest rate
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More details - Raymond James BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$215 over 6 months on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Not purchased through Raymond James brokerage account.
4.26% interest rate · Effective Oct 9, 2026
Rate checked
More details - Raymond James BankCertificates of Deposit (CDs)CD · 6 months · $2,000 min
Bank · Add a location to see nearby branches
4.35%APY$215 over 6 months on $10,000Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Purchased through Raymond James brokerage account.
4.26% interest rate · Effective Oct 9, 2026
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More details - Beacon Credit UnionLimited Time Special Share CertificateCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
4.35%APY$215 over 6 months on $10,000intro rateRequirements
Product: $5 membership share required to qualify for Beacon products. Promotional certificates; limited time offer. Dividends compounded monthly.
Offer: Promotional certificate rate valid on new money only. Rates do not apply to IRA certificates. For 6 months promotional share certificates, early withdrawal penalty is 90 days of dividend whether earned or not. No monthly maintenance fees.
Promotional rate · 4.27% interest rate · Compounded monthly
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More details - BASF Chattanooga FCUCertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.34%APY$215 over 6 months on $10,0004.25% interest rate · Effective Mar 7, 2025
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More details - HEFCUShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000Requirements
Product: Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.
4.25% interest rate · Effective Sep 18, 2026
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More details - New Horizon Federal Credit UnionSHARE CERTIFICATESCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000Effective Oct 1, 2026
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More details - Red River Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded monthly.
4.25% interest rate · Compounded monthly · Effective Oct 7, 2026
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More details - Central Missouri Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000Requirements
Product: Interest compounded monthly. Terms from 3 to 60 months. Dividends based on average daily balance and compounded & credited monthly. Accounts automatically renew (with the exception of certificate specials, which are non-renewable) for another term at maturity, with a grace period of 10 days after maturity. Early withdrawal penalty applies: terms up to 12 months incur $25 plus 31 days' dividends; terms 18 months and over incur $25 plus 90 days' dividends. Interest rates and annual percentage yield may change every calendar month based on Board of Directors determination.
4.25% interest rate · Compounded monthly · Effective Oct 15, 2026
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More details - Climate First Bank6-Month Penalty-Free CDCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000intro rateRequirements
Product: No penalty for early withdrawals. No additional deposits allowed. Account automatically renews for the same term unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
Offer: A minimum opening deposit of $500.00 is required and must be maintained daily to earn the disclosed APY. Interest rate will be in effect for 6 months and subject to change thereafter. No additional deposits allowed. No penalty for early withdrawals.
Promotional rate · 4.24% interest rate · Effective Sep 15, 2026
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More details - Collegedale Credit UnionTerm Share CertificatesCD · 6 months · $0 min
Credit union · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal. NCUA insured up to $250,000. Rates and APY may change after account opening.
Offer: A penalty will be imposed for early withdrawal.
4.25% interest rate · Effective Sep 18, 2026
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More details - LG&E Co. Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000Requirements
Product: Special terms and rates are offered periodically. 10-day grace period at maturity. Penalties for early withdrawal. Dividends are paid monthly and are calculated on the actual daily balance.
4.25% interest rate · Effective Jul 1, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank