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 511–525 results
- Heritage South Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$197 over 6 months on $10,000Requirements
Offer: With direct deposit and checking account
3.90% interest rate
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.96%APY$196 over 6 months on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate. Dividends compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 6 month term. Requires Premium Deposit Account qualification.
Qualified rate · 3.90% interest rate · Effective Mar 24, 2026
Rate checked
More details - Vantage West Credit UnionCertificates (CD)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$196 over 6 months on $10,000with conditionsRequirements
Product: Minimum opening deposit of $500. Early withdrawal penalties apply and may reduce earnings. Membership required. No monthly service fees when enrolled in eStatements.
Offer: Relationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under the same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in the same Membership account. Monthly fee waived with eStatements.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - Hoboken School Employees Federal Credit UnionShare CertificatesCD · 6 months · $5,000 min
Credit union · Add a location to see nearby branches
3.96%APY$196 over 6 months on $10,000Requirements
Product: Minimum of $5,000.00. A penalty may be charged for early withdrawal.
Offer: A penalty may be charged for early withdrawal.
3.90% interest rate
Rate checked
More details - Healthcare Services Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.96%APY$196 over 6 months on $10,000Requirements
Product: Fixed interest rate until maturity. Requires a $1,000 minimum deposit to open. No additional deposits can be made once opened. Early withdrawal penalties apply. Dividends are paid quarterly. Renews automatically at current market rate with notice sent at least 10 days before maturity.
3.90% interest rate · Effective Aug 1, 2026
Rate checked
More details - Sonora BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$196 over 6 months on $10,000Requirements
Product: Must be of legal age to apply for a deposit.
Offer: 180 Days term. Minimum deposit to open and obtain stated APY is $1,000. Penalty for early withdrawal.
Effective Feb 2, 2026
Rate checked
More details - Holy Family Memorial Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.96%APY$196 over 6 months on $10,0003.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - San Juan Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$196 over 6 months on $10,0003.90% interest rate · Effective Sep 30, 2026
Rate checked
More details - Canyon View Credit UnionRegular Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
3.88% interest rate · Effective Oct 9, 2026
Rate checked
More details - North Central Area Credit UnionCertificate of DepositCD · 6 months · $500 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 3.95% $50,000 – $250,000 4.05% Rate checked
More details - Texell Credit UnionTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: No setup or maintenance fees. Accounts are subject to penalty for early withdrawal, and terms renew automatically. Dividends paid quarterly. Insured up to $500,000 ($250,000 NCUA and $250,000 Excess Share Insurance Corp).
Offer: Minimum daily balance of $1,000 required to earn dividends. Penalty for early withdrawal. Minimum to avoid service charge is $0.
Effective Oct 22, 2026
Rate checked
More details - Tarrant County's Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: $1,000 minimum to open and obtain disclosed annual percentage yield. Interest compounds monthly and is paid monthly. Early or partial withdrawal of certificate may result in a penalty.
3.88% interest rate · Balance cap $49,999.99 · Effective Oct 19, 2026
Rate checked
More details - CoastLife Credit UnionCDCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.88% interest rate
Rate checked
More details - Selfreliance Federal Credit UnionCertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.
Offer: Dividends accrue on daily balance and post at maturity. Early withdrawal subject to penalty.
3.91% interest rate · Balance cap $1,000,000 · Effective Oct 23, 2026
Rate checked
More details - Marcus by Goldman SachsHigh-Yield CDCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.
Offer: $500 minimum to open and earn stated APY.
Effective Oct 23, 2026
Rate checked
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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
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