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 901–915 results
- Palo Savings BankTime CertificateCD · 6 months · $1,000 min · 3.78%–3.89% by balance
Bank · Add a location to see nearby branches
3.78%APY$187 over 6 months on $10,000Requirements
Product: Early withdrawal penalty may reduce principal: 3 months interest penalty for terms 91 days to 12 months, 6 months interest penalty for terms 18 months to 36 months, and 12 months interest penalty for 60 months.
Offer: 182 Day term. Early withdrawal penalty: 3 months interest penalty.
3.75% interest rate · Effective Nov 7, 2025
Rate by balance
Rate by balance for Time Certificate Balance APY $1,000 – $20,000Your amount 3.78% $20,000 – $100,000 3.78% $100,000 and up 3.89% Rate checked
More details - Galaxy Federal Credit UnionShare CertificateCD · 3–12 months · $500 min
Credit union · Add a location to see nearby branches
3.77%APYRequirements
Product: Membership is open to anyone who lives, works, worships, attends school, or volunteers in Venango County and their immediate family. Members must maintain a minimum balance of $5 in savings accounts. Penalty for early withdrawal.
3.70% interest rate · Effective Jul 1, 2026
Rate checked
More details - First Choice Financial Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.77%APY$187 over 6 months on $10,000Requirements
Product: $500 Minimum Balance Required; Interest Compounded Daily; Penalty for early withdrawal; Rates are subject to change without notice
Offer: Credit Monthly
3.70% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 3.77%APY$187 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal.
3.72% interest rate
Rate checked
More details - Santa Fe Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,0003.70% interest rate · Effective Sep 29, 2026
Rate checked
More details - People's Alliance Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000Requirements
Product: Fixed rate. Dividends are earned daily, compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of principal; paid dividends are available for withdrawal. Account renews automatically at maturity with a 7 calendar day grace period. Credit union membership required ($5.00 par value share).
3.70% interest rate · Effective Sep 12, 2026
Rate checked
More details - 3.76%APY$186 over 6 months on $10,000
Requirements
Product: Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.
3.70% interest rate · Effective Oct 5, 2026
Rate checked
More details - Central Maine FCUFixed-Rate Share CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000with conditionsRequirements
Product: Membership requires a $10.00 membership share account ($25 stated on product overview). Rate premium of 10 basis points available if balance at opening is $250,000 or greater (or for Member's Choice program); maximum combined rate premium up to 20 basis points. Early withdrawal penalty applies.
Qualified rate · 3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - LincOne Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000Requirements
Product: Certificates require a minimum balance of $500.00 to open. Penalty may be imposed for early withdrawal. The Annual Percentage yield (APY) assumes interest remains on deposit until maturity. Minimum $25 savings account required.
Offer: Certificates require a minimum balance of $500.00 to open. Penalty may be imposed for early withdrawal. Minimum $25 savings account required.
Effective Oct 4, 2026
Rate checked
More details - United Poles Federal Credit UnionCertificateCD · 6 months
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,0003.70% interest rate · Effective Sep 18, 2025
Rate checked
More details - RiverFall Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawal penalty applies: 90 days dividends for 6- and 12-month terms, 180 days dividends for 18-month terms and above. Dividends computed on average daily balances of $500 or more.
Offer: Limited time offer.
Promotional rate · 3.70% interest rate
Rate checked
More details - Cooperative Choice Network Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly (added back to certificate, paid monthly by check, or deposited directly into Share Savings or Share Draft Account). Early withdrawals subject to penalty. Minimum deposits vary according to term lengths.
Offer: Renewal rate under Member Loyalty Program when allowing certificate to roll over with no changes.
3.70% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000Requirements
Product: Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
Offer: 180 Days (not available for IRAs)
3.70% interest rate · Effective Jul 9, 2026
Rate checked
More details - Chemcel FCUShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000Requirements
Product: Dividends paid monthly by check, to certificate, or by automatic deposit to Regular Savings or Money Market. Automatically renews at maturity unless notice given within 3 weeks prior. Early withdrawal penalty is 180 days of dividends. No partial withdrawals allowed. Federally insured up to $250,000.
Offer: Early withdrawal penalty applies.
3.70% interest rate · Effective Nov 3, 2025
Rate checked
More details - Houston Police Credit UnionShare CertificatesCD · 6 months · $1,000 min · 3.76%–3.97% by balance
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000Requirements
Product: Excludes Traditional, Roth and Roth Conversion Share Certificates. Compounded and credited monthly. Subject to a penalty for early withdrawal prior to maturity.
Offer: Regular type. Subject to a penalty for early withdrawal.
3.70% interest rate · Effective Mar 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.76% $100,000 and upJumbo type. 3.97% 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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank