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 1111–1125 of 4,559 results
- First National Bank New BremenCD RatesCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
3.71%APY$184 over 6 months on $10,000Requirements
Product: Rates are fixed unless noted otherwise. Rates are not guaranteed and are subject to change without notice. Penalty for early withdrawal may apply. Rates are published for balance tiers listed. For CD balances of $100,000 and greater, contact the branch.
Offer: Minimum deposit: $2,500. APY rate requires minimum balance of $10,000.
3.65% interest rate
Rate checked
More details - CPS IBEW FCUShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$184 over 6 months on $10,000Requirements
Product: Dividends are calculated using the daily balance method. Penalties are assessed for early withdrawal. Rates are subject to change.
Offer: Penalty assessed for early withdrawal.
3.65% interest rate · Effective Feb 2, 2026
Rate checked
More details - Bank of UticaCertificates of Deposit (CD)CD · 3–6 months · $10,000 min
Bank · Add a location to see nearby branches
3.70%APYRequirements
Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
Offer: Under $100,000 tier; 3 months up to 6 months term; compounded quarterly.
3.65% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
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More details - IBEW Local 56 Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Rates are guaranteed for the life of the certificate. Penalty for early withdrawal: 6 month and 12 month certificates have 30 days loss of interest; 24 month and 36 month certificates have 90 days loss of interest. APY may be lower if funds are withdrawn before maturity. Dividends will be deposited into Regular Share Account. Rates subject to change without notice.
Offer: Dividends are paid upon maturity into Regular Share Account. Early withdrawal penalty: 30 days loss of interest.
3.65% interest rate · Effective Oct 9, 2026
Rate checked
More details - CACL Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Minimum deposit required to open an account $500.00 to earn stated APY. Fixed dividend rate and APY for the term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal of principal. Requires $5 deposit into a Membership Savings Account.
3.64% interest rate · Effective Oct 21, 2026
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More details - The Union Bank CompanySpecial CDsCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Fees could reduce earnings. A penalty may be imposed for early withdrawal. $500.00 minimum opening deposit.
Offer: Fees could reduce earnings. A penalty may be imposed for early withdrawal.
3.64% interest rate · Effective Jun 5, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Offer: Platinum relationship tier
Qualified rate · 3.63% interest rate · Compounded monthly · Effective Oct 5, 2026
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More details - Friends and Family Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000with conditionsRequirements
Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
Offer: Family Advantage Gold tier.
Qualified rate · 3.65% interest rate · Effective Oct 23, 2026
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More details - Fortera Credit UnionFixed Rate CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Must be 18 or older and meet field of membership eligibility (live, work, worship, or attend school in service regions, affiliated partner, or immediate family of member) and have a Share Savings Account. No additional deposits allowed except at maturity or during grace period.
3.65% interest rate · Effective Oct 5, 2026
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More details - Mercer County NJ Teachers' Federal Credit UnionTerm Savings CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal. All rates subject to change without notice.
3.65% interest rate
Rate checked
More details - Arlington Community Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
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More details - Options Credit UnionCertificates (CD)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
Offer: Premier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 90 days interest.
Effective Oct 20, 2026
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More details - Educational Systems Federal Credit UnionCertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Standard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed.
Promotional rate · 3.65% interest rate · Effective Oct 19, 2026
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More details - Harford BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Minimum deposit $1,000. Early withdrawal penalty may apply. Step-Up CDs allow one rate adjustment during term.
3.65% interest rate · Effective Oct 15, 2026
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More details - A+ Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
Effective Oct 15, 2026
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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
4,559 CDs at 3,998 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
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