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 736–750 results
- Vanderbilt Credit UnionCertificates of DepositCD · 1–6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: Minimum deposit of $1,000. Early withdrawal penalty may apply. Dividends/interest compounded and credited quarterly.
3.75% interest rate
Rate checked
More details - 4U Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: $1,000 minimum balance. Terms 3 months to 36 months. Dividends paid quarterly. Early withdrawal penalties apply (30 days dividends for terms 12 months or less, 90 days dividends for terms longer than 12 months).
Offer: Penalty for early withdrawal is 30 days dividends.
3.75% interest rate · Effective Sep 19, 2025
Rate checked
More details - Southwest Heritage Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: The minimum balance to open a certificate is $1,000. Interest is paid monthly (by check, deposited to a share account, or added to balance of certificate). Penalty for early withdrawal is 90 days interest for 6 month and 12 month terms; 180 days interest for all other terms. Additional rewards on all Certificates of Deposit: add 0.05% for SWHCU membership longer than 3 years; add 0.05% for E-Statements; add 0.05% for an active loan account.
Offer: Interest paid monthly
3.75% interest rate
Rate checked
More details - PALCO Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Fixed rate time deposits. Dividends paid only at maturity on 6-month certificates; may be paid at maturity on terms not exceeding one year; on 12 to 60 month certificates, dividends may be paid monthly or quarterly by being deposited into a share account, mailed, or compounded back into the certificate.
Offer: Early withdrawal penalty: 30 Days. Dividends paid only at maturity.
3.75% interest rate · Effective Sep 23, 2026
Rate checked
More details - Community First Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: Rates effective October 23, 2026. $500 minimum deposit. 0.10% bonus paid on certificates of $50,000 or more for terms of 2 to 5 years.
Promotional rate · 3.75% interest rate · Effective Oct 23, 2026
Rate checked
More details - Journey Credit UnionCertificatesCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,0003.75% interest rate · Effective Oct 21, 2026
Rate checked
More details - Encentus Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: $500 minimum deposit; 3 to 36 month terms available; subject to penalties for early withdrawal.
Offer: Penalty may be imposed for early withdrawal
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Florida West Coast CUCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Penalties for early withdrawal of principal. Deposits insured up to $250,000.00.
3.75% interest rate · Effective Oct 22, 2026
Rate checked
More details - Minot Area Schools Federal Credit UnionShare CertificatesCD · 6 months
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Terms and conditions apply. Please visit or call 701.857.4430 for more information and the most up-to-date rates. Funds are left in your account with MASFCU for a 6 or 12-month term and earn a fixed rate. Dividends are paid quarterly and at maturity.
Offer: 6 Months term. Stated as 3.75% APR.
3.75% interest rate
Rate checked
More details - Valley Credit UnionTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Compounding monthly. A penalty applies for early withdrawal.
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - IBEW and United Workers Federal Credit Union6 Month Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,0003.75% interest rate · Effective Aug 1, 2026
Rate checked
More details - Elko Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Must purchase and maintain the minimum required share(s) in a Share Savings account (5 shares at $5.00 par value = $25.00) and pay a nonrefundable membership fee ($5.00 regular, $2.00 student). Early withdrawal penalty applies: 30 days dividends for terms 12 months or less, 90 days dividends for terms 24 months or greater. Renews automatically at maturity with no grace period. Additional deposits not allowed during term. Compounded and credited monthly.
Offer: Certificate dividends can be paid back to certificate, share savings account monthly, or by check. Early withdrawal penalty applies. Automatic renewal.
3.75% interest rate · Effective Apr 9, 2026
Rate checked
More details - Elko Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Must purchase and maintain the minimum required share(s) in a Share Savings account (5 shares at $5.00 par value = $25.00) and pay a nonrefundable membership fee ($5.00 regular, $2.00 student). Early withdrawal penalty applies: 30 days dividends for terms 12 months or less, 90 days dividends for terms 24 months or greater. Renews automatically at maturity with no grace period. Additional deposits not allowed during term. Compounded and credited monthly.
3.75% interest rate · Effective Apr 9, 2026
Rate checked
More details - United Community Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Substantial penalty for early withdrawal.
3.75% interest rate
Rate checked
More details - LibertyOne Credit UnionRegular CDCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: 5-Star Member rates are 1% higher. Step Up rate once during the term for a nominal fee.
Offer: 5-Star Member rates are 1% higher; Step Up rate once during the term for a nominal fee.
Promotional rate · 3.75% interest rate
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
* 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