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 91–105 results
- Campus Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: Federally insured deposits. $500 minimum deposit on all terms. Early withdrawals may be subject to penalties.
4.18% interest rate · Effective Sep 18, 2026
Rate checked
More details - US #1364 Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: When Share Certificate is compounded. Rates subject to change.
Offer: When Share Certificate is compounded.
Rate checked
More details - CommunityWide Federal Credit UnionCW CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000Requirements
Offer: Dividends paid at end of each month.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Commonwealth Credit UnionNew Money CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000intro rateRequirements
Product: New money only, not funds currently on deposit with Commonwealth Credit Union. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Auto-renewable.
Offer: New money only, not funds currently on deposit with Commonwealth Credit Union.
Promotional rate · 4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Maui County Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: Fixed rate. Dividends credited monthly to Regular Share account or back to certificate. Automatic renewal with early withdrawal penalty. Credit Union membership required ($5.00 par value).
Offer: Fixed rate. Dividends credited monthly to Regular Share account or back to certificate. Early withdrawal penalty applies. Automatic renewal.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Poppy BankPersonal Certificate of Deposit AccountsCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000Requirements
Offer: APY accurate as of September 24, 2026. Rate may change after account is opened. Minimum balance requirement must be maintained in the account each day to obtain the disclosed APY. Grace period of seven calendar days after maturity to withdraw funds without penalty. Early withdrawal penalty equals 3.00% of the principal amount withdrawn early.
4.16% interest rate · Effective Sep 24, 2026
Rate checked
More details - St. Cloud Financial Credit UnionDiamond CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000with conditionsRequirements
Product: Requires Diamond Membership: active Diamond Checking account (requires at least 15 SCFCU debit/credit card transactions per qualification cycle and electronic statements) AND a new or existing loan or SCFCU Credit Card. Minimum deposit $500. Not available for business or commercial members.
Offer: Requires Diamond Membership qualifications.
Qualified rate · 4.16% interest rate
Rate checked
More details - Blue Eagle Credit UnionRegular CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: Membership eligibility and credit qualification requirements may apply. Initial savings account deposit of $5 or more required for membership. Dividends compounded and credited quarterly based on average daily balance. Penalty may be imposed for early withdrawal. Service charges may reduce earnings.
4.18% interest rate · Effective Jun 1, 2026
Rate checked
More details - Waumandee State BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000intro rateRequirements
Product: Rates subject to change. Penalty may apply for early withdrawal.
Offer: Limited-time offer.
Promotional rate · 4.21% interest rate
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More details - Sunmark Credit UnionRegular Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $500. Automatically renews at maturity; 10-day grace period after maturity for certificates with maturities greater than 90 days. Early withdrawal penalties apply. No additional deposits permitted.
Offer: Rate accurate as of August 3, 2026.
Promotional rate · 4.17% interest rate · Effective Aug 3, 2026
Rate checked
More details - Vibrant Credit UnionCertificate of Deposit (CD)CD · 6 months · $5 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000intro rateRequirements
Product: All certificates require a $5 minimum opening balance and a $5 Membership Share account. A penalty may be imposed for early withdrawal. Federally insured by NCUA.
Offer: 6-Month CD Special will auto-renew into a 6-month certificate at the current rate at that time when it matures. $5 Membership Share account required. Early withdrawal penalty may apply.
Promotional rate · Effective Aug 12, 2026
Rate checked
More details - Hawaii Central Federal Credit UnionShare Certificate SpecialCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$210 over 6 months on $10,000intro rateRequirements
Product: This promotion is available for consumer accounts only. Funds must originate from another financial institution (new money required) to take advantage of promotional rate. Dividends compounded and credited monthly. Penalties may apply for early withdrawals.
Offer: New money required (funds must originate from another financial institution). Dividends compounded and credited monthly.
Promotional rate · 4.17% interest rate · Effective Aug 1, 2026
Rate checked
More details - National Police FCUShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.24%APY$210 over 6 months on $10,000Requirements
Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.
4.15% interest rate · Effective Oct 5, 2026
Rate checked
More details - Freestone Credit UnionRegular Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.23%APY$209 over 6 months on $10,000Requirements
Product: Minimum balance to earn dividends is $1,000. Must maintain a Share account with the minimum required balance for the life of the Share Certificates. Penalty for early withdrawal before maturity; fees could reduce earnings.
4.15% interest rate · Effective Oct 16, 2026
Rate checked
More details - City National BankPersonal Certificates of DepositCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
4.23%APY$209 over 6 months on $10,000intro rateRequirements
Offer: Special 6-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 6-month standard rate and APY.
Promotional rate · 4.15% interest rate · Effective Oct 16, 2026
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
4,549 CDs at 4,003 banks and credit unions · checked Oct 15–22
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank