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 286–300 results
- Minnesota Valley Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.04%APY$200 over 6 months on $10,000Requirements
Product: Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
Offer: Dividends compound at maturity. Early withdrawal penalty of 90 days dividend applies.
4.00% interest rate · Effective Sep 22, 2026
Rate checked
More details - Area Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.04%APY$200 over 6 months on $10,000Effective Oct 4, 2026
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More details - First Security Bank of Deer LodgeCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.04%APY$200 over 6 months on $10,000Requirements
Product: Early withdrawal penalty of 3 months interest if term is less than 1 year, or 6 months interest if term is greater than 1 year. Fees may reduce earnings on deposit accounts.
Offer: 182 Day (6-Month) term special CD rate. $1,000 minimum balance required to open account. 3-month interest penalty for early withdrawal.
4.00% interest rate · Effective Sep 23, 2026
Rate checked
More details - Balboa Thrift and LoanJumbo Certificates of DepositCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
4.03%APY$200 over 6 months on $10,000Requirements
Product: No maintenance fees on CDs. Interest compounded daily if added back to certificate; simple interest if paid monthly by check or deposited into savings. 5-day grace period after maturity. Early withdrawal penalty equal to 3 months of interest.
3.95% interest rate · Compounded daily · Effective Oct 2, 2026
Rate checked
More details - Complex Community Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.03%APY$200 over 6 months on $10,000Requirements
Product: Minimum deposit $500, Jumbo $90,000. A 90 day dividends penalty will be imposed for early principal withdrawal. Rate subject to change without notice.
Offer: Members Advantage. A 90 day dividends penalty will be imposed for early principal withdrawal.
3.95% interest rate · Effective Jan 1, 2025
Rate checked
More details - ColonialCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.03%APY$200 over 6 months on $10,000Requirements
Product: Substantial penalty for early withdrawal of principal. Promotional Certificate of Deposit products do not qualify for rate bump.
3.96% interest rate
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More details - City Credit UnionCertificate of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.03%APY$200 over 6 months on $10,000Requirements
Product: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.95% interest rate · Effective Jan 1, 2026
Rate checked
More details - Police Credit Union of CTTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.02%APY$199 over 6 months on $10,000Requirements
Product: Minimum Balance for all share certificates is $1,000 and is required to earn the stated APY. Dividends compounded monthly. Penalty will be imposed for early withdrawal.
3.95% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 4.02%APY$199 over 6 months on $10,000
Requirements
Product: Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.
Offer: With 2,500 Co-op Points
3.95% interest rate · Effective Oct 5, 2026
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More details - Weyco Community Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.02%APY$199 over 6 months on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Minimum deposit $500. Early withdrawal penalties apply. 10-day grace period at maturity.
3.95% interest rate · Compounded monthly · Effective Oct 13, 2026
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More details - Circle Federal Credit UnionTerm Share CertificatesCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
4.02%APY$199 over 6 months on $10,000Requirements
Product: Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000.
3.95% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Eagle Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.02%APY$199 over 6 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Single deposit only (no additional deposits permitted after account opening). NCUA insured up to $250,000.
Offer: 70th Anniversary Special. Dividend rate and APY fixed for 6-month term. Funds must be new money to the Credit Union (deposited within the last 30 days or not currently on deposit, excluding funds withdrawn and redeposited during the promotion period). Dividends compounded and credited monthly.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.02%APY$199 over 6 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.00% interest rate · Compounded daily · Effective Jan 25, 2024
Rate checked
More details - SIU Credit UnionTerm Share CertificateCD · 6 months · $500 min · 4.01%–4.11% by balance
Credit union · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,000Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors. Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Subject to maturity. Rates discounts not reflected above.
3.95% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $50,000Your amount 4.01% $50,000 and up 4.11% Rate checked
More details - Spencerport Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.01%APY$199 over 6 months on $10,000Requirements
Product: Fixed rate account paid until maturity. Dividends compounded and credited quarterly on ledger balance, calculated by daily balance method. Minimum balance to open and obtain APY is $500.00. Early withdrawal penalties apply.
3.95% interest rate · Effective Oct 16, 2026
Rate checked
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 6-month CDs pay nationwide
4,547 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