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 751–765 results
- Northern Redwood FCUCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,0003.75% interest rate · Effective Feb 5, 2026
Rate checked
More details - Malden Federal Credit UnionCertificate AccountCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.
Offer: Minimum amount $500.00.
3.75% interest rate · Compounded monthly · Effective Aug 28, 2026
Rate checked
More details - Emblem Credit UnionTerm Share Certificate AccountsCD · 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: Penalties may apply for early withdrawal. Reduced $300 minimum deposit to open for youth accounts (Embark Youth Club and Empower Teen Club only). No setup or maintenance fees.
Promotional rate · 3.75% interest rate · Effective Oct 15, 2026
Rate checked
More details - Coteau Valley Federal Credit UnionShare CertificatesCD · 6 months · $5,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly Dividends calculated by average daily balance Automatic renewal with a 10 day grace period A 0.200% dividend increase is available for non-profit organizations. Penalties 6 month CD - loss of one quarter's earnings 12 month & up - loss of two quarter's earnings
Offer: A 0.200% dividend increase is available for non-profit organizations. Dividends paid quarterly calculated by average daily balance. Automatic renewal with a 10 day grace period.
3.75% interest rate · Effective Oct 15, 2026
Rate checked
More details - Bangor 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: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - Wells River Savings BankCertificates of Deposit (CD)CD · 6 months · $200 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Penalty imposed for early withdrawal prior to maturity date.
Offer: Penalty imposed for early withdrawal prior to maturity date.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Signal FinancialShare 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: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
3.75% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Croghan Colonial BankCertificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Account subject to deposit account approval. Early withdrawal penalties may apply. Fees may reduce earnings on the account.
Offer: Early withdrawal penalties apply. CDs automatically renew at maturity at current renewal rates. Account subject to deposit account approval. Fees could reduce earnings on the account. Rates are subject to change without notice.
Effective Sep 30, 2026
Rate checked
More details - Directions Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Unico BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Fixed interest rates for guaranteed returns. Terms range from 91 days to 60 months. No setup or maintenance fees. Interest paid monthly if compounded, deposited to a Unico Bank checking/savings account, or paid via ACH; paid quarterly if paid via check. Automatically renews at maturity unless requested otherwise at opening. Early withdrawal penalty applies.
Offer: 6 Month term. Early withdrawal penalty applies.
3.75% interest rate · Effective Sep 17, 2026
Rate checked
More details - Ascend Federal Credit UnionRegular Share CertificateCD · 6 months · $500 min · 3.82%–3.87% by balance
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 90 days' dividends for early withdrawal.
3.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Balance APY Any balanceYour amount 3.82% $100,000 and upJumbo certificate. A negotiated rate may be obtained for $100,000.00 or greater. 3.87% Rate checked
More details - Neighbors Federal Credit UnionShare CertificatesCD · 6 months · $1,500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, funds may be automatically renewed or paid to a designated account.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Encompass Credit UnionCertificates of DepositsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: A Regular Savings Account is required. There may be penalties for early withdrawal. Membership is open to individuals who live, work, worship, or attend school in Tipton, Clinton, or Howard County, Indiana, and their immediate family members.
Offer: There may be penalties for early withdrawal. A Regular Savings Account is required.
3.75% interest rate
Rate checked
More details - SunWest Credit Union of ArizonaCertificate of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Dividends paid monthly. Fixed rates in effect for the term of the account. A penalty may be imposed for early withdrawal. Must be a SunWest member to open.
3.75% interest rate
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