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 481–495 results
- Peninsula Federal Credit UnionShare CertificatesCD · 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 penalties apply.
Effective Sep 3, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Interest will not change for the term. Compounded and credited quarterly. Penalty may be imposed for early withdrawal.
3.95% interest rate · Effective Jul 8, 2025
Rate checked
More details - Exchange State BankCertificates of DepositCD · 6 months · $1,000 min · 2.00%–4.00% by balance
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal. Interest rates are subject to change without notice.
1.99% interest rate · Effective Jul 16, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 2.00% $10,000 and upYour amount 4.00% Rate checked
More details - Key Community BankCertificate 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: Early withdrawal penalty may apply. Minimum deposit of $500 required for all Certificates of Deposit.
Offer: Early withdrawal penalty may apply. Minimum deposit of $500 required.
4.00% interest rate · Effective Sep 17, 2026
Rate checked
More details - Main Street BankRelationship CD SpecialsCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000with conditionsRequirements
Product: Relationship is defined by having a Main Street Bank checking account with transactions during the last 30 days, or opening a checking account on the same day as opening the Relationship CD. The Bank reserves the right to limit Relationship CD Specials to a maximum deposit amount of $250,000. All Relationship CD Specials automatically renew as a 12 month CD.
Offer: Choose Your Term Relationship CD Special (6 month term). Requires qualifying checking relationship. Automatically renews as 12 month.
Qualified rate · 3.94% interest rate · Balance cap $250,000
Rate checked
More details - CFBankCertificates of DepositCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Terms available ranging from 3 months to 60 months. Penalty will be imposed for early withdrawal.
Offer: New accounts only with $10,000 new money deposit. Penalty will be imposed for early withdrawal.
Promotional rate · Effective Apr 20, 2026
Rate checked
More details - Rome Federal Credit UnionShare Certificate AccountsCD · 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 deposit of $1,000.00 required. Additional deposits not permitted after opening. 90-day early withdrawal penalty applies. Terms available from 6 months to 5 years (60 months).
3.93% interest rate · Effective Apr 21, 2026
Rate checked
More details - People First 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: Minimum opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.
Offer: Penalty for early withdrawal.
3.93% interest rate · Effective Aug 5, 2026
Rate checked
More details - Gulf Coast Federal Credit UnionTerm Share Accounts(C.D.’S)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Dividends are calculated by the average daily balance method and paid monthly. A penalty is imposed for early withdrawal. Requires a minimum balance of $500.
3.93% interest rate · Effective Jul 31, 2026
Rate checked
More details - Ozark 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: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Dividends compounded quarterly.
3.94% interest rate · Compounded quarterly · Effective Aug 10, 2026
Rate checked
More details - Glendale Area Schools Credit UnionCertificate AccountsCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Must be a member of Glendale Area Schools Credit Union and maintain an active Share Savings Account or UTMA Account. A minimum deposit of $1,000 is required to open. Early withdrawal penalties apply.
Offer: America's 250th 4% CD Promotion. Offer good through October 31.
Promotional rate
Rate checked
More details - Farmers Insurance Federal Credit UnionLimited Time 3-Month and 6-Month Share CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Limited time promotion. $1,000 minimum balance. Calculated on a 3.93% base rate. IRA share certificates do not qualify. May not be combined with Direct Deposit Bonus or Jumbo Certificate rates. Substantial penalty for early withdrawal.
Offer: Promotional rate calculated on 3.93% base rate. IRA share certificates do not qualify. Automatically rolls over to 6-Month Certificate at maturity.
Promotional rate · 3.93% interest rate
Rate checked
More details - Maui Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Early withdrawal penalty applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.
Offer: Limited time offer. Early withdrawal penalty applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.
Promotional rate · 3.93% interest rate · Effective Aug 1, 2026
Rate checked
More details - American United Federal Credit UnionRegular 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: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 6 months · $5 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 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
4,546 CDs at 3,994 banks and credit unions · checked Oct 22–24
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank