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 256–270 results
- Regent BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000intro rateRequirements
Product: No monthly maintenance fees. Fixed interest rates. Early withdrawal penalty applies (3-month CD: 30 days interest; 6-12 month CD: 3 months interest; 18-60 month CD: 6 months interest). Limited-time offer. FDIC insured up to $250,000.
Offer: Early withdrawal penalty: 3-month interest penalty. Limited-time offer.
Promotional rate · 3.99% interest rate · Effective Jul 20, 2026
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More details - Bank of UtahCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: Must be 18 years of age or older. Daily balance method used to calculate interest. Interest compounded and credited quarterly on terms of 1 year or more, and at maturity on terms of less than 1 year. Early withdrawal penalty applies.
Offer: 6 Months (calculated as 182 days). Open online or in branch.
4.01% interest rate · Effective Oct 21, 2026
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More details - Evergreen Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Early withdrawal subject to 90 day dividends penalty.
3.97% interest rate · Effective Oct 8, 2026
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More details - Comenity Capital BankCertificate of DepositCD · 6 months · $1,500 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 90 days simple interest for terms shorter than 1 year.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
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More details - Hometown Bank of PennsylvaniaCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: Fixed Rate CD: A penalty may be imposed for early withdrawals. Variable Rate CD: Withdrawals in excess of one per month will be subject to penalty.
4.01% interest rate · Effective Oct 14, 2026
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More details - 4.05%APY$200 over 6 months on $10,000
Effective Oct 16, 2026
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More details - UNB BankCertificates of DepositCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: Penalty may be imposed for withdrawals before maturity. Annual Percentage Yield based on monthly compounding. Minimum balance not required to maintain APY.
3.98% interest rate · Effective Sep 22, 2026
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More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Product: Annual Percentage Yield is based on principal plus interest reinvested at the same interest rate with interest compounded quarterly unless otherwise stated at account opening. Substantial penalty for early withdrawal. Interest rates and annual percentage yield posted here are subject to change without notice at our discretion. Interest rate may also change at time of CD renewal.
4.05% interest rate · Compounded quarterly · Effective Oct 14, 2026
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More details - Community First Federal Credit UnionCertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Effective Oct 16, 2026
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More details - First National Bank of JohnsonCertificates of DepositCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: Annual Percentage Yield (APY) calculated using Daily Balance. A penalty may be imposed for early withdrawal.
4.01% interest rate
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More details - Union Bank & TrustCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000intro rateRequirements
Product: Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
Promotional rate · Effective Oct 13, 2026
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More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
Offer: 180 Day EZ Saver. Interest compounded: None. Interest credited: At Maturity.
4.01% interest rate · Effective Oct 10, 2026
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More details - APCI Federal Credit UnionRegular CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.
Offer: APY assumes dividends remain in account.
3.98% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - First Liberty BankCertificates of Deposit (CDs)CD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000intro rateRequirements
Product: Fixed rates; renews automatically; substantial penalty for early withdrawal.
Promotional rate · 3.98% interest rate · Effective Sep 1, 2026
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More details - Kahului Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$200 over 6 months on $10,000Requirements
Product: Minimum deposit of $1,000. Dividends are credited back to the certificate or credited to regular shares on the last calendar day of the month. Early withdrawal penalty may be imposed. Fees may reduce earnings.
3.98% interest rate · Effective Oct 1, 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
4,547 CDs at 3,998 banks and credit unions · checked Oct 16–23
- 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