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 526–540 results
- Century Heritage Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000intro rateRequirements
Product: Penalty for early withdraw may apply.
Offer: Penalty for early withdraw may apply.
Promotional rate · Effective Oct 19, 2026
Rate checked
More details - Mercantile BankCertificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.89% interest rate · Effective Sep 28, 2026
Rate checked
More details - Summit Choice Credit UnionCertificatesCD · 6 months · $300 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000intro rateRequirements
Product: Minimum investment of $300. Early withdrawal penalties may apply. Rates valid October 1 - October 31, 2026. Membership requires purchase and maintenance of 1 share ($25.00 par value).
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - All One Credit UnionTerm Share CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Available in terms from 3 months to 5 years. $500 minimum to open. Early withdrawal penalties will be imposed on term certificates. Membership requirements apply.
3.87% interest rate · Effective Oct 16, 2026
Rate checked
More details - Members Heritage CUTerm Share CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000intro rateRequirements
Product: Minimum balance $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
Offer: Term 182 Days.
Promotional rate · 3.88% interest rate · Effective Oct 22, 2026
Rate checked
More details - Deseret First Credit UnionRegular Share CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000intro rateRequirements
Product: Membership required; eligibility requirements apply. Minimum balance to open the account and earn the advertised APY is $500.00. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Standard rate. Minimum balance to open and earn advertised APY is $500.00.
Promotional rate · 3.87% interest rate
Rate checked
More details - First Utah BankPromotional CDCD · 6–11 months · $500 min
Bank · Add a location to see nearby branches
3.95%APYRequirements
Product: A penalty may be applied for early withdrawal.
Offer: A penalty may be applied for early withdrawal.
3.89% interest rate · Effective Oct 20, 2026
Rate checked
More details - DC Credit UnionRegular Share CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate checked
More details - UNB BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Penalty may be imposed for withdrawals before maturity. Annual Percentage Yield based on monthly compounding. Minimum balance not required to maintain APY.
3.88% interest rate · Effective Sep 22, 2026
Rate checked
More details - Cinfed Credit UnionStandard CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
3.88% interest rate
Rate checked
More details - Commstar Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Fixed interest rate for the term of the certificate. No risk method of earning interest.
Effective Oct 5, 2026
Rate checked
More details - EPB EMPLOYEES CREDIT UNIONCertificatesCD · 6 months · $1,500 min
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000Requirements
Product: Must maintain a Primary Share account in addition to the certificate. Minimum balance of $1,500 must be on deposit at all times. Automatically renews for a like term at maturity with a 10-day grace period. Early withdrawal subject to a 90-day dividend penalty (for 3-month to 2-year certificates) or a 120-day dividend penalty (for 2 1/2-year or 3-year certificates). Rates reflect quarterly compounding; monthly withdrawal of interest results in a lower yield.
Offer: Rates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty.
3.95% interest rate · Effective Dec 30, 2025
Rate checked
More details - Cobalt Credit UnionCertificateCD · 6 months · $1,000 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,000with conditionsRequirements
Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
Offer: Standard rate. Dividends compounded quarterly. Early withdrawal penalty applies.
Qualified rate · 3.89% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $100,000Your amount 3.95% $100,000 and up 4.05% Rate checked
More details - Columbine FCURegular Share CertificatesCD · 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: Early withdrawal penalty may apply: 90 days dividends for terms of 1 year or less, 180 days dividends for terms longer than 1 year. Membership eligibility required. Federally insured by NCUA.
Offer: Early withdrawal penalty: 90 days dividends.
Effective Sep 21, 2026
Rate checked
More details - Logan Medical Federal Credit UnionShare CertificatesCD · 6 months
Credit union · Add a location to see nearby branches
3.95%APY$196 over 6 months on $10,0003.88% interest rate · Effective Oct 10, 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