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 691–705 results
- Nashville Firemen’s Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Rates stated as APY. Certificate rates are set for the term of the account. $1,000 minimum balance required. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - True Sky Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000intro rateRequirements
Product: Most certificate accounts require a minimum investment of $500. Early withdrawal penalty may apply. NCUA insured. Minimum deposit of $1,000 required max of $100,000 for APY rate accuracy terms. New money only.
Promotional rate · 3.78% interest rate
Rate checked
More details - True Sky Federal Credit UnionCertificate of Deposit (CD)CD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: The APY assumes dividends are compounded quarterly and will remain on deposit until maturity. Fees may reduce earnings.
3.78% interest rate · Compounded quarterly
Rate checked
More details - Eagle BankCertificates of Deposit (CDs)CD · 6–16 months · $10,000 min
Bank · Add a location to see nearby branches
3.85%APYRequirements
Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.
Offer: 6-16 Month CD/IRA Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.
3.78% interest rate · Effective Sep 24, 2026
Rate checked
More details - Quincy Credit UnionCertificate of Deposit (CD)CD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Membership eligibility required; a $5 Primary Share Savings Account is required to establish membership. Rates guaranteed until maturity. Automatically renews for original term at renewal rate unless instructed otherwise.
3.78% interest rate · Effective Oct 4, 2026
Rate checked
More details - Mechanics Cooperative BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,0003.78% interest rate · Effective Sep 21, 2026
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More details - Space Coast Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Space Coast Credit Union membership is open to relatives of current members and all who work or live in eligible Florida counties. Minimum deposit required is $500. Monthly Service Fee is None.
3.81% interest rate · Effective Sep 21, 2026
Rate checked
More details - MainStreet BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fees may reduce earnings. Funds can be withdrawn beginning 7 days after deposit. Automatic rollover at maturity. Fixed rate and term. FDIC insured.
Offer: 6 Month term. Minimum to open and obtain APY is $500.
3.78% interest rate · Effective Oct 4, 2026
Rate checked
More details - Bellco Credit UnionTraditional CDCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Open with as little as $500. Early withdrawal penalties may apply. Rates apply to consumer accounts only. Membership eligibility required.
Offer: Minimum balance to earn APY is $500.
3.78% interest rate · Effective Oct 3, 2026
Rate checked
More details - State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 6 months · $250 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.
Offer: For 6-month STCs, interest earned may be paid to the STC at maturity or transferred monthly to another SECU account.
3.85% interest rate · Effective Oct 1, 2026
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More details - EUCCUShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 182 days (~6 months).
Effective Oct 1, 2026
Rate checked
More details - APG Federal Credit UnionSavings CertificateCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Dividends are compounded and credited quarterly on the daily balance. There may be a penalty for early withdrawal. Fees may reduce earnings.
3.79% interest rate · Effective Oct 3, 2026
Rate checked
More details - Avenir FinancialTraditional CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends are compounded and credited monthly.
Offer: Minimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - NGM Employees FCUTerm Share CDCD · 6 months · $250 min
Credit union · Add a location to see nearby branches
3.85%APY$191 over 6 months on $10,000intro rateRequirements
Product: To qualify for the $250 opening deposit, you must be bringing new money to your NGM Credit Union accounts. For transfer of funds from existing NGM Credit Union accounts to a CD the opening balance is $1,000. 2 months dividend penalty applies for early withdrawal on all terms. Specific disclosure about the Term Share Account is available at the Credit Union when you open a new account or upon request. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund up to $250,000.
Offer: Promotional rate. $250 opening deposit requires new money; $1,000 opening balance for transfers from existing NGM Credit Union accounts.
Promotional rate · Effective Jan 21, 2026
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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