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 496–510 results
- Sheridan Community Federal Credit UnionCertificate 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: Open with a $500 minimum deposit and choose terms from three months to five years with a guaranteed rate of return.
3.96% interest rate · Effective Dec 29, 2025
Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 6 months · $1,000 min · 3.99%–4.19% by balance
Credit union · Add a location to see nearby branches
3.99%APY$198 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
Offer: Tier 1
3.91% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $50,000Your amount 3.99% $50,000 – $99,000Tier 2 4.09% $99,000 and upTier 3 4.19% Rate checked
More details - Bank of the Flint HillsCertificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.99%APY$198 over 6 months on $10,000Requirements
Product: $500 opening deposit. Automatically renews at maturity. 10 day grace period for changes or withdrawals. Early withdrawal penalty applies. Interest compounded and credited quarterly.
Offer: $500 minimum balance required to obtain APY. Early withdrawal penalty equals six months interest. Automatically renews.
3.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - City National BankCertificate of DepositCD · 6–12 months · $500 min
Bank · Add a location to see nearby branches
3.99%APYRequirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE: Non-Compounding. Term 180 - 364 days.
3.95% interest rate
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 6 months · $1,000 min · 3.89%–3.99% by balance
Bank · Add a location to see nearby branches
3.99%APY$198 over 6 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Check Plan (Interest via check); balance less than $10,000.
3.85% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.89% $10,000 and upYour amount 3.99% Rate checked
More details - Polish-American FCUCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.99%APY$198 over 6 months on $10,000Requirements
Product: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.
Offer: APY as high as with loyalty benefits (rates may increase .2%).
Effective Oct 15, 2026
Rate checked
More details - Belton Federal Credit UnionCDCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.99%APY$198 over 6 months on $10,000Balance cap $20,000
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More details - CUP Federal Credit UnionShare CDCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$197 over 6 months on $10,000Requirements
Offer: When paid: At maturity. Early withdrawal penalty: 1 mo int.
3.90% interest rate · Effective Sep 15, 2026
Rate checked
More details - EFCUShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.98%APY$197 over 6 months on $10,000Requirements
Product: Membership eligibility required. Dividends are compounded daily and credited monthly. APY and Dividend Rates are fixed until maturity after issuance. Early withdrawal penalties apply (90 days interest for terms 12 months or less, 180 days interest for terms greater than 12 months).
3.90% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - National Cooperative Bank6 Month Impact CDCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
3.98%APY$197 over 6 months on $10,000intro rateRequirements
Product: Can only be opened online; cannot be opened at an NCB branch.
Offer: Requires a minimum daily balance of $500.00 to obtain the disclosed APY. Fixed rate until first maturity. Early withdrawal penalty equals 3 months of interest.
Promotional rate · 3.90% interest rate
Rate checked
More details - Complex Community Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$197 over 6 months on $10,000Requirements
Product: Minimum deposit $500, Jumbo $90,000. A 90 day dividends penalty will be imposed for early principal withdrawal. Rate subject to change without notice.
Offer: A 90 day dividends penalty will be imposed for early principal withdrawal.
3.90% interest rate · Effective Jan 1, 2025
Rate checked
More details - The First National Bank of WaverlyCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.98%APY$197 over 6 months on $10,000intro rateRequirements
Product: No Public Funds or Jumbo CD's $250,000 maximum deposit. CD is automatically renewed for the same term and published rate offered during renewal period. Penalty for early withdrawal. Fees may reduce earnings. APY assumes principal and interest will remain on deposit for the term of the CD.
Offer: 6 Month Special. Simple compounding. Early withdrawal penalty: 3 Months Interest. Offer good for initial term only.
Promotional rate · 3.90% interest rate · Balance cap $250,000 · Effective Mar 11, 2026
Rate checked
More details - Cherokee County Teachers Federal Credit UnionCertificatesCD · 6 months · $5,000 min
Credit union · Add a location to see nearby branches
3.97%APY$197 over 6 months on $10,0003.90% interest rate · Effective Oct 21, 2025
Rate checked
More details - Winthrop Area Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APY$197 over 6 months on $10,0003.90% interest rate · Effective Oct 2, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min · 3.97%–4.13% by balance
Credit union · Add a location to see nearby branches
3.97%APY$197 over 6 months on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.90% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.97% $50,001 and up 4.02% $100,001 and up 4.07% $250,001 and up 4.13% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 6-month CDs pay nationwide
4,546 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