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 421–435 results
- U of I Community Credit UnionSilver Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Dividends calculated daily and compounded quarterly and at maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty of 90 day dividend.
3.94% interest rate · Compounded quarterly
Rate checked
More details - UFCW Community Federal Credit UnionShare 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: Must purchase and maintain the minimum required share(s) ($5.00 par value, 1 share) and pay a nonrefundable membership fee of $5.00. Dividends compounded and credited quarterly.
Offer: Fixed rate; dividends compounded quarterly, credited quarterly; not automatic renewal; early withdrawal penalty applies.
3.94% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Ventura County Credit UnionLimited-Time 6 Month 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: Promotional certificate available September 16 through September 30, 2026. For eligible personal and business accounts. Automatically renews at maturity as a traditional 6-month certificate at prevailing rate. Early withdrawal penalty applies.
Offer: Promotional offer available September 16 through September 30, 2026. Minimum deposit of $1,000 required.
Promotional rate · Effective Sep 16, 2026
Rate checked
More details - Aerospace Federal Credit UnionShare Certificate AccountCD · 6 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Dividends post monthly and at maturity. Funds from an existing AFCU account (share or loan) or an external account can be used to fund the account (except for 9-month certificate which requires new money). Early withdrawal penalties apply.
Promotional rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - California Community Credit UnionTerm Account / CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
Offer: Fixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 28, 2026
Rate checked
More details - California Community Credit UnionTerm Savings Certificate SpecialCD · 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: Dividends paid quarterly, APY assumes dividends remain in account until maturity. Maximum deposit amount is $478,000.00. Early withdrawals incur a penalty. Renews to a standard Certificate at non-promotional dividend rate in effect at maturity.
Offer: Dividends paid quarterly. Early withdrawal penalty applies. Renews to standard Certificate at non-promotional dividend rate at maturity.
Promotional rate · Balance cap $478,000 · Effective Aug 25, 2026
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More details - State CS Employees Federal Credit UnionTraditional 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: Early withdrawal penalty may reduce earnings on term Certificate accounts. Dividends compounded and credited monthly based on average daily balance.
3.93% interest rate · Effective Aug 27, 2026
Rate checked
More details - First Source 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 $10,000Requirements
Offer: $1,000.00 minimum balance to earn dividends
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - KEMBA Financial Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000with conditionsRequirements
Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
Offer: KEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements.
Qualified rate · Effective Aug 1, 2026
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More details - Fasson Employees' Federal Credit UnionCertificate AccountsCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Available to all U.S. employees of Avery Dennison Corporation and their family members.
Offer: Dividends are paid at maturity. Additional deposits are not allowed.
4.00% interest rate · Effective Sep 23, 2026
Rate checked
More details - G.P.O. Federal Credit UnionTerm Share 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: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: Fixed dividend rate; 90 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed. Minimum balance of $500 on 6 month term.
Promotional rate · 3.93% interest rate · Effective Aug 3, 2026
Rate checked
More details - Bank of UticaCertificates of Deposit (CD)CD · 6–12 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APYRequirements
Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
Offer: Under $100,000 tier; 6 months up to 1 year term; compounded quarterly.
3.94% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
Rate checked
More details - TopLine Financial 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 $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - Multipli Credit UnionCertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Standard Certificate requires $500 minimum deposit, deposited once at account opening and remaining in place until maturity. Monthly dividends. Rollover at maturity with 10-day grace period. Early standard certificate withdrawals penalty: 50% of remaining unearned interest or 180 days worth of interest.
Offer: Monthly dividends; Rollover at maturity
Effective Sep 18, 2026
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More details - North Star Community Credit UnionShare 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: Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.
3.94% interest rate · Effective Sep 30, 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
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