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 631–645 results
- Mohawk Valley Federal Credit UnionShare Certificates (CDs)CD · 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: Early withdrawal penalties may apply. Deposits are federally insured by the NCUA up to at least $250,000.
3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - Ever $ Green Federal Credit UnionShare CertificateCD · 6–11 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APYRequirements
Product: Requires a savings account to open. Interest is posted monthly to the account of choice.
3.83% interest rate
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 6 months · $1,000 min · 3.80%–3.90% by balance
Bank · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.83% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.90% $250,000 and upReduced rate applies. 3.80% Rate checked
More details - American United Federal Credit UnionRegular 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: 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: Standard membership rate.
3.83% 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
3.90%APY$193 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: Standard membership rate.
Qualified rate · 3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - Grand Altitude Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.89%APY$193 over 6 months on $10,000Requirements
Product: Grand Altitude FCU membership is required. Certificate dividends pay annually, at maturity or monthly upon request. Early withdrawal penalties apply. Fees may reduce earnings. Rates may change without notice.
3.85% interest rate
Rate checked
More details - FRB Federal Credit UnionTerm CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.89%APY$193 over 6 months on $10,000Requirements
Product: Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).
Offer: Early withdrawal penalty of the lesser of 90 days dividends or dividends earned since issuance/renewal.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Leighton State BankCertificates of Deposit (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.89%APY$193 over 6 months on $10,000intro rateRequirements
Product: Maturity terms vary from 3 months to 5 years. $500 minimum balance requirement. Early withdrawal penalties may apply. Fees, if any, may reduce earnings. All deposits are FDIC insured.
Offer: Interest paid semi-annually.
Promotional rate · 3.85% interest rate · Effective Aug 24, 2026
Rate checked
More details - Citizens BankCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.89%APY$193 over 6 months on $10,000Requirements
Product: Rates are accurate as of August 5th, 2026. APY is based on the minimum opening deposit required and term interest is compounded assuming principal and interest remain on deposit. Interest rate and APY subject to change without notice. Fees may reduce earnings. Penalty on CD for early withdrawal.
Offer: Compounded at Maturity. 6 Month CD.
3.85% interest rate · Effective Aug 5, 2026
Rate checked
More details - Texas Trust Credit UnionTerm Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$192 over 6 months on $10,000Requirements
Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
3.80% interest rate · Effective Oct 5, 2026
Rate checked
More details - Fort Worth City CUCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$192 over 6 months on $10,000Requirements
Product: $1000 Minimum deposit to open. Terms from 6-Months to 60-Months. Interest can be compounded, or deposited into your shares monthly.
3.80% interest rate · Effective Oct 19, 2026
Rate checked
More details - WEE Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$192 over 6 months on $10,000Requirements
Product: All dividends earned on share certificates will be forfeited if funds are withdrawn before maturity. Dividends paid at maturity.
Offer: Paid at maturity. Early withdrawal forfeits all earned dividends.
3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - Brewer Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$192 over 6 months on $10,000Requirements
Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.
3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - Mobility Credit UnionCertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$192 over 6 months on $10,000Requirements
Product: Minimum opening balance of $500 for lowest tier. Minimum deposit requirements range from $500 to $250,000 depending upon the rate tier. Terms of 3, 6, 9, 12, 18, 24, 36, 48 and 60 months available; call for rates on terms longer than 24 months. Early withdrawal penalty may apply. Minimum balance of $100.00 required to earn dividends.
3.80% interest rate · Effective Sep 17, 2026
Rate checked
More details - American Bank & TrustCertificate of Deposits (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.87%APY$192 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 Platinum Relationship Package Qualifications.
Effective Oct 5, 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
* 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