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 976–990 results
- CSE Credit UnionShare Certificates (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Minimum deposit is $500. Automatically renewed. Dividends compounded daily. Early withdrawal penalties apply: maturity of one year or less is 31 days dividend; maturity of more than one year is 91 days dividend.
Offer: Dividends compounded daily.
3.68% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - FD Community Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Certificate terms from 6 months to 5 years. Minimum $500 to open. Rates subject to change at any time. Early withdrawal penalties apply.
Offer: $500 minimum, dividends compounded monthly. Early withdrawal penalty = 90 days dividend.
3.68% interest rate · Compounded monthly
Rate checked
More details - Security National Bank of South DakotaTraditional CD (Sioux Falls)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: $1,000 minimum deposit to open. Simple interest compounded and credited semiannually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year. Penalty for early withdrawal. Offer good for initial term only. Rates shown for Sioux Falls location.
Promotional rate · 3.72% interest rate
Rate checked
More details - Freedom Federal Credit UnionRegular Share CertificateCD · 6 months · $300 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.
Offer: $300 minimum opening deposit ($5 for youth club members under 18)
Promotional rate · 3.70% interest rate · Effective Sep 25, 2026
Rate checked
More details - Sandia Area Federal Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Early withdrawal of up to 50% without penalty is permitted once per term for certificates opened on or after 10/23/2023.
3.69% interest rate · Effective Oct 14, 2026
Rate checked
More details - Hotel & Travel Industry Federal Credit UnionShare CertificateCD · 6 months
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Dividends compounded and credited quarterly.
Offer: 6 Months CD Special.
Promotional rate
Rate checked
More details - Tucson Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.
Offer: Disclosed dividend rate 3.68%. 180 Day term.
3.68% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Landings Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Dividends calculated and credited monthly using Daily Balance Method. Early withdrawal penalty may apply. Fees could reduce earnings.
Effective Sep 23, 2026
Rate checked
More details - Rhode Island Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Minimum opening deposit of $500 required. Terms ranging from 3 months to 42 months. Early withdrawal penalty may apply.
Offer: Assumes interest remains on deposit until maturity. Early withdrawal penalty may apply.
3.72% interest rate · Effective Oct 8, 2026
Rate checked
More details - Mountain Laurel Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal penalty is 90 days' dividends, including principal.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - HAB BankCertificate of DepositCD · 6 months · $1,500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Compounded daily. Substantial early withdrawal penalties apply. Rates are subject to change.
Offer: Minimum balance of $1,500 is required to earn the posted APY.
3.68% interest rate · Compounded daily · Effective Jul 13, 2026
Rate checked
More details - Cooperative Teachers Credit UnionTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: For members 18 and up. Minimum balance of $1,000. Fixed dividend rates, dividends paid monthly, automatic renewal for continued growth, early withdrawal penalties may apply.
Effective Feb 1, 2025
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More details - Beacon Federal Credit UnionCertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Compounding monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Early withdrawal penalty applies. Minimum balance for kids/Youth Certificates is $500.00. Jumbo Certificates: $90,000 minimum; rates vary.
3.69% interest rate · Effective Oct 6, 2026
Rate checked
More details - Baptist Credit UnionCertificate of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.
Offer: Term is 183 Days (6 Mo.). Early withdrawal penalty: 30 Days Dividend.
3.69% interest rate · Effective Sep 25, 2026
Rate checked
More details - MemberSource Credit UnionTerm Share CertificatesCD · 6 months · $500 min · 3.75%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.
3.69% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $50,000Your amount 3.75% $50,000 – $100,000 3.80% $100,000 and up 3.85% 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
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