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 1411–1425 of 4,559 results
- Cornhusker BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.57%APY$177 over 6 months on $10,000Requirements
Product: *The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. The withdrawal of interest before maturity will reduce earnings and may reduce the APY. A penalty will be imposed for an early withdrawal. Visit a Cornhusker Bank location to open all additional CD terms.
Rate checked
More details - Inner Lakes Federal Credit UnionCertificate of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: Minimum balance $500.
3.50% interest rate · Effective Aug 19, 2026
Rate checked
More details - Alternatives Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.
3.50% interest rate · Effective Oct 23, 2026
Rate checked
More details - Sea Air FCUShare CertificatesCD · 6–11 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APYRequirements
Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.
3.50% interest rate · Effective Oct 14, 2026
Rate checked
More details - OHecuMonthly Dividend CertificateCD · 6–11 months
Credit union · Add a location to see nearby branches
3.56%APYRequirements
Product: The dividend rate is the same as the rate for the various terms stated in the term share certificate schedule. APY does not apply because the member receives a monthly dividend disbursement. Early withdrawal penalty applies.
Offer: Standard Rate tier. APY does not apply due to monthly dividend disbursement.
3.50% interest rate · Effective Oct 16, 2026
Rate checked
More details - Cape Ann Savings BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Terms ranging from 6 months to 60 months. Minimum deposit of $500. Early withdrawals subject to penalty.
Offer: Minimum daily balance to open account and earn the APY.
3.50% interest rate
Rate checked
More details - Greater Springfield Credit UnionRegular CDsCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Minimum balance $1,000 to earn advertised APY. Early withdrawal penalty: 90 days dividends for maturity ≤ 1 year; 180 days dividends for maturity > 1 year.
3.50% interest rate · Effective Feb 13, 2026
Rate checked
More details - Family Security Credit UnionShare CertificateCD · 6 months · $1,000 min · 3.56%–3.66% by balance
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Primary share account required. Interest compounded monthly. One-time, complimentary bump in interest privilege permitted for remaining term. Maintenance or activity fees could reduce earnings. Early withdrawal penalties may apply.
3.50% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.56% $50,000 and up 3.61% $100,000 and up 3.66% Rate checked
More details - AllSouth Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min · 3.56%–3.66% by balance
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Fixed-Term Savings. Higher Dividends. Earn dividends based on your certificate balance and rate, with fixed terms from 3 to 60 months. Dividends will be compounded monthly and credited monthly. Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account. $1,000 minimum balance to open. 7-day grace period after maturity. Open 3, 6, 12-month terms online or open longer term certificates at one of our locations.
Offer: Dividends compounded monthly and credited monthly. Subject to early withdrawal penalty.
3.50% interest rate · Compounded monthly · Effective Oct 20, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.56% $10,000 and upYour amount 3.56% $25,000 and up 3.56% $50,000 and up 3.61% $75,000 and up 3.61% $100,000 and up 3.66% Rate checked
More details - Heartland Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
Offer: $1,000.00 minimum balance is required. 90 day early withdrawal penalty. Rates for approved members.
3.50% interest rate · Effective Oct 14, 2026
Rate checked
More details - Greece Community Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Rates are subject to change and are dependent upon credit rating. Minimum deposit is $500. The dividend is paid at maturity. Early withdrawal penalties apply.
3.50% interest rate · Effective Oct 16, 2026
Rate checked
More details - Desco Federal Credit UnionShare CertificatesCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Add .10% to the rate for an amount of $50,000 to $74,999.99. Add .20% to the rate for an amount of $75,000 and over. Certificates must be at least $2,500 to qualify for monthly dividend payments. Advantage Plus Checking PLUS Benefit: .25 added to Share Certificates of $25,000 or more.
Offer: Certificates must be at least $2,500 to qualify for monthly dividend payments. Add .10% to the rate for $50,000 to $74,999.99; add .20% for $75,000 and over.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Forest Area Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000 - LNB Community BankCertificates of DepositCD · 6 months · $2,500 min · 2.01%–3.56% by balance
Bank · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Penalties may apply for early withdrawal of funds. Interest earned can be added to Certificate, mailed by check, or deposited into an LNB Community Bank checking or savings account.
Offer: <$10M
2.00% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $10,000 2.01% $10,000 and upYour amount$10M or > 3.56% Rate checked
More details - Thrive Credit UnionShare CertificatesCD · 6 months · 3.29%–3.56% by balance
Credit union · Add a location to see nearby branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Dividends posted monthly and are subject to change without notice. Dividends compounded quarterly, transferred quarterly, or paid by check quarterly. A penalty will be imposed for early withdrawal.
Offer: Dividends posted monthly.
3.25% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Any balance 3.29% $10,000 and upYour amount 3.56% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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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Top Carrot institutions
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- Quorum Federal Credit UnionCredit union
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