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 571–585 results
- American Bank & TrustCertificate of Deposits (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.92%APY$194 over 6 months on $10,000Requirements
Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.
Offer: Requires Diamond Relationship Package Qualifications.
Effective Oct 5, 2026
Rate checked
More details - Serve Credit UnionCertificate of DepositCD · 6 months · $1,000 min · 3.92%–4.13% by balance
Credit union · Add a location to see nearby branches
3.92%APY$194 over 6 months on $10,000Requirements
Product: Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
3.85% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.92% $50,000 – $100,000 4.02% $100,000 and up 4.13% Rate checked
More details - Grand Junction Federal Credit UnionSpecial CDCD · 6 months
Credit union · Add a location to see nearby branches
3.92%APY$194 over 6 months on $10,000Requirements
Product: Special CD rates for GJFCU members.
3.85% interest rate · Effective Apr 2, 2025
Rate checked
More details - R.I.A. Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$194 over 6 months on $10,000Requirements
Product: $500 deposit required to open; $500 daily balance required to earn dividends. Penalties may be imposed for early withdrawal. Fees may reduce earnings. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 Excess Share Insurance). Rates may change at maturity.
Offer: Dividend frequency: Monthly.
3.85% interest rate · Effective Mar 23, 2026
Rate checked
More details - The First National Bank of GordonCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.92%APY$194 over 6 months on $10,000Requirements
Offer: Term is 182 days. Interest compounded daily.
3.85% interest rate · Compounded daily · Effective Sep 17, 2026
Rate checked
More details - Pampa Teachers Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$194 over 6 months on $10,0003.85% interest rate · Effective Feb 25, 2026
Rate checked
More details - Millard County Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$194 over 6 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Payment of dividends is based on available current and undivided earnings of MCCU. Some share certificates may not be available for online opening.
3.85% interest rate · Effective Oct 15, 2026
Rate checked
More details - PSE Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.91%APY$194 over 6 months on $10,000Requirements
Product: Rates remain fixed for the term of the certificate. Dividends are compounded quarterly. Early withdrawal penalties apply.
Offer: Fixed rate. Dividends compounded quarterly. Early withdrawal penalties apply.
3.85% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - Austin Telco Federal Credit UnionShare CertificateCD · 6 months · $1,000 min · 3.91%–4.11% by balance
Credit union · Add a location to see nearby branches
3.91%APY$194 over 6 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
3.85% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $94,999Your amount 3.91% $95,000 – $224,999 4.01% $225,000 and up 4.11% Rate checked
More details - Sarco Federal Credit UnionCertificates of DepositCD · 6 months · $5,000 min
Credit union · Add a location to see nearby branches
3.91%APY$194 over 6 months on $10,000Effective Oct 6, 2026
Rate checked
More details - WesTex Community Credit UnionCertificates of DepositCD · 6 months · $500 min · 3.91%–3.96% by balance
Credit union · Add a location to see nearby branches
3.91%APY$193 over 6 months on $10,000Requirements
Product: All interest earned may be withdrawn at any time without penalty. If any of the original CD balance is withdrawn before maturity, a 90-day interest penalty is assessed.
3.85% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $250,000Your amount 3.91% $250,000 and up 3.96% Rate checked
More details - Kahuku Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.91%APY$193 over 6 months on $10,000intro rateRequirements
Product: APY. required minimum CD balance to earn stated APY is $500 (unless higher minimum listed). Early withdrawal penalty may apply. Rates accurate as of Last dividend declaration date 9/30/2019.
Offer: CD Promotion. Minimum CD balance $500 required to earn stated APY.
Promotional rate · Effective Sep 30, 2019
Rate checked
More details - Canyon View Credit UnionRegular Bump Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Min. $500 opening balance. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
3.83% interest rate
Rate checked
More details - IAA Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Dividends compounded daily. Early withdrawal penalties apply. Jumbo rate quoted upon request for minimum $100,000.
Offer: Early withdrawal penalties apply.
3.83% interest rate · Compounded daily · Effective Oct 9, 2026
Rate checked
More details - Pathfinder BankCertificates of DepositCD · 6 months · $1,000 min · 3.90%–4.00% by balance
Bank · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000with conditionsRequirements
Product: Penalty for early withdrawal. Terms from 30 days to 7 years. Minimum deposit for CDs may vary based on CD product.
Offer: 6 Month CD Special with Active Account. Customer must have a checking or savings account that they actively use (is not dormant) to qualify for this product. Early withdrawal is subject to penalty.
Qualified rate · 3.83% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 3.90% $100,000 and up 4.00% 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