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 1–15 of 28 results in Traverse City, MI metro
- 4.05%APY$200 over 6 months on $10,000
Requirements
Product: Minimum balance to open and obtain APY is $500.
3.99% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.89% interest rate · Effective Nov 2, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 6 months · $500 min · 3.80%–3.95% by balance
Credit union · 2 branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: Federally insured by NCUA. Early withdrawal penalties apply. $5 opening deposit in Spartan Saver required to establish membership.
Offer: Valid thru 11/08/2026. Early withdrawal penalty equal to 90 days dividends based on amount withdrawn.
Promotional rate · Effective Nov 2, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 3.80% $100,000 and upJumbo tier. 3.95% Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Accounts are available to Michigan residents. Limited to $250,000 per household. Penalty for early withdrawal.
Offer: Interest rate and APY are fixed for the term. Interest is paid at maturity. A penalty may be imposed for early withdrawal.
Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
Offer: With Direct Deposit (0.20% rate increase)
3.70% interest rate · Effective Apr 22, 2026
Rate checked
More details - 3.56%APY$176 over 6 months on $10,000
- 3.55%APY$176 over 6 months on $10,000
Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
3.50% interest rate · Effective Apr 22, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000with conditions
Requirements
Product: Available for consumer deposits only. Interest is compounded and credited quarterly. Daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship CD: requires Direct Deposit Checking.
Qualified rate · 3.46% interest rate · Effective Nov 5, 2026
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More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.45% interest rate · Effective Oct 26, 2026
Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · 2 branches
3.40%APY$169 over 6 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.35% interest rate · Effective Nov 6, 2026
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More details - 3.40%APY$169 over 6 months on $10,000
Requirements
Product: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
3.35% interest rate · Compounded quarterly · Effective Oct 30, 2026
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More details - 3.35%APY$166 over 6 months on $10,000
Requirements
Product: These certificates do not compound. Penalty may be imposed for early withdrawal.
3.35% interest rate · Effective Oct 30, 2026
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More details - 3.30%APY$164 over 6 months on $10,000intro rate
Requirements
Product: Fixed-rate CDs with terms from 3 months to 5 years; eight standard terms plus a 7-month promotional CD. Minimum to open standard CDs is $500. APY assumes interest remains until maturity. Upon maturity, tier rates default to the current standard rate in the rate schedule.
Offer: Standard CD tier $500-$2,499.
Promotional rate · 3.25% interest rate · Effective Mar 13, 2025
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More details - 3.20%APY$159 over 6 months on $10,000with conditions
Requirements
Product: Available for consumer deposits only. Interest is compounded and credited quarterly. Daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Standard CD rate.
Qualified rate · 3.16% interest rate · Effective Nov 5, 2026
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More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · 2 branches
3.15%APY$156 over 6 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Standard rate.
Qualified rate · 3.11% interest rate · Effective Nov 6, 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 in Traverse City, MI metro
28 CDs at 18 banks and credit unions · checked Oct 16–Nov 6
- Typical
- 3.18%
- Top 10% from
- 3.77%
- Banks, typical
- 2.48%
- Credit unions, typical
- 3.35%
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Traverse City, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Northwest Consumers Federal Credit UnionCredit union · 2 branches
- MSU Federal Credit UnionCredit union · 2 branches
- Northland Area FCUCredit union · 1 branch