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 1351–1365 of 4,559 results
- CommunityAmerica Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
3.54% interest rate · Effective Oct 15, 2026
Rate checked
More details - EPIC Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min · 3.60%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000with conditionsRequirements
Product: Regular Tier Share Certificates have tiered rates based on total balances in all savings accounts (except IRAs)
Qualified rate · 3.54% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $50,000Your amount 3.60% $50,000 – $100,000 3.65% $100,000 and up 3.70% Rate checked
More details - Peoples Trust & Savings BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum opening deposit of $500.00. Rates are subject to change without notice.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Effective Jul 14, 2026
Rate checked
More details - St. Mary's Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: St. Mary's Credit Union membership eligibility required. No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
3.49% interest rate
Rate checked
More details - Credit Union of GeorgiaStandard CDCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Balance cap $100,000 · Effective Jul 1, 2026
Rate checked
More details - Excel Federal Credit UnionShare Certificates/CDsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Membership open to individuals who live, work, worship, or attend school in Forsyth, Fulton, Gwinnett, and Hall counties, and their immediate family members. Fixed rates compounded quarterly.
Offer: Special promotional as-high-as rates of 3.60% APY for 6 months require direct deposit. Minimum $500 balance to earn stated APY.
Qualified rate · 3.54% interest rate · Compounded quarterly
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More details - Acadia Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.
3.54% interest rate
Rate checked
More details - Nebraska State Bank & Trust CompanyCertificates of Deposit (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,0003.55% interest rate · Effective Oct 14, 2026
Rate checked
More details - Northern Colorado Credit UnionPeak CDCD · 6 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Tiered rates based on minimum deposit. Early withdrawal penalty applies (90, 120, or 180 days of earned interest depending on term). No additional deposits allowed during term.
Effective Oct 15, 2026
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More details - HAPO Community Credit UnionCertificate AccountCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
Offer: Allows additional deposits in increments of $100.00 or more up to $100,000.00 through the term. Early withdrawal penalty is 90 days dividends.
3.55% interest rate
Rate checked
More details - Billings Federal Credit UnionShare Certificates – RegularCD · 6 months · $2,500 min · 3.40%–3.80% by balance
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: $25.00 Share Savings deposit required. Dividends compound monthly. Early withdrawal penalty applies. Secure Checking account holders receive a 0.10% rate premium on share certificates with terms of one year or more.
Offer: Compounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates – Regular Balance APY $2,500 and up 3.40% $10,000 and upYour amount 3.60% $50,000 and up 3.65% $100,000 and up 3.80% Rate checked
More details - Texasgulf Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Dividends are paid monthly. Automatically renews at maturity. Penalty for early withdrawal.
3.54% interest rate
Rate checked
More details - City Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Minimum balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
Offer: Regular CD only.
Rate checked
More details - Grand Ridge National BankCertificate of DepositCD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000intro rateRequirements
Product: Quarterly compounding. Limited time offer which may be withdrawn at any time and cannot be combined with other offers. Penalty for early withdrawal may reduce account earnings. Assumes interest remains on deposit until maturity.
Offer: Upon maturity, will automatically renew into a 6-month fixed rate certificate earning the then current APY of the 6-month CD, unless otherwise directed by customer.
Promotional rate · Effective Oct 1, 2026
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More details - Credit Union For AllCertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: $500 minimum balance. Dividends paid monthly. Effective December 1, 2025. *APY = Annual Percentage Yield. Dividends paid monthly. A penalty will be assessed for early termination.
Offer: Term: 6 months
3.54% interest rate · Effective Dec 1, 2025
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
4,559 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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