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 406–420 results
- Estacado Federal Credit UnionShare CertificatesCD · 6–11 months · $1,000 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $100,000Your amount 4.00% $100,000 and upJumbo Certificates over $100,000 4.10% Rate checked
More details - Gather Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Membership at Gather FCU required. Fixed rates. Penalty for early withdrawal.
Offer: Dividends are credited monthly and transferred to a designated share account or mailed by check.
Promotional rate · Effective Jan 2, 2025
Rate checked
More details - Barclays Bank DelawareBarclays Online CDsCD · 6 months · $0 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.
3.92% interest rate · Effective Oct 7, 2026
Rate checked
More details - HSBC Trust Company (Delaware)HSBC Wealth Center/Telephone Deposit Account APYs: CDsCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Applies to accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Other CD terms and rates are available.
Offer: Minimum balance to obtain APY is more than $0. Opened in branch or over telephone. APYs are variable and subject to change after opening. Charges and fees may reduce earnings.
Rate checked
More details - NorthCountry Federal Credit UnionCertificatesCD · 6 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.
Rate checked
More details - People's Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply. Fees could reduce earnings. APY assumes principal and interest remain on deposit for the term of the certificate.
Effective Oct 14, 2026
Rate checked
More details - Mountain Laurel Federal Credit UnionHonors CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Offered under the Laurel Honors Program for qualifying community members. Early withdrawal penalty applies.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Desert Rivers Credit UnionCDCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Savings certificates are subject to Early Withdrawal Penalties.
Offer: Early withdrawal penalty: 90 days of dividend earned if withdrawal is 90 days or more from the date of purchase; if less than 90 days, penalty is amount earned to date.
3.94% interest rate
Rate checked
More details - Webster First Federal Credit UnionHigh Yield Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. Enrollment in Webster First Federal Credit Union membership required to complete certificate ownership.
Promotional rate · 3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - Pittsford Federal Credit UnionCertificatesCD · 6 months · $50 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Dividends compounded and credited monthly to regular share account. Early withdrawal penalty applies: lesser of dividends since issuance/renewal or 90 days dividends for terms under 24 months; lesser of dividends since issuance/renewal or 180 days dividends for terms 24 months or greater.
4.00% interest rate · Balance cap $89,999.99 · Effective Oct 7, 2026
Rate checked
More details - Lehigh Valley Educators CUShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: $500 minimum deposit. Early withdrawal penalty applies. Dividends compounded and credited monthly. Some certificates may not be available for online opening.
Offer: $500 minimum deposit to open account and earn APY. A penalty will be imposed for early withdrawal. Dividends compounded and credited monthly.
3.93% interest rate · Effective Oct 7, 2026
Rate checked
More details - Amarillo National BankCertificate of Deposit (CD)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.
Effective Oct 2, 2026
Rate checked
More details - Amarillo National BankCertificate of Deposit (CD)CD · 6 months
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawal penalty applies (half the term's interest that would have accrued). 10-day grace period at maturity.
Offer: CD rates over $1 million.
Effective Oct 2, 2026
Rate checked
More details - Cornerstone Capital BankConsumer 6 Month CDCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
3.93% interest rate · Effective Oct 6, 2026
Rate checked
More details - CityMark FCUShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: $500 minimum to open; no monthly maintenance fees; interest compounded and credited quarterly; early withdrawal penalties apply.
Offer: New money only. Promo.
Promotional rate · 3.96% interest rate · Effective Sep 17, 2026
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
4,546 CDs at 3,994 banks and credit unions · checked Oct 22–24
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank