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 46–60 results
- Post Office Employees Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.33%APY$214 over 6 months on $10,000with conditionsRequirements
Product: Minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly. Rate boosts available via CD Loyalty Special / Reward Qualifications: +0.50% dividend rate for active Visa (open/active 90 days, min 2 transactions/mo over previous 3 mos), +0.50% dividend rate for active Checking (open/active 90 days, min 4 transactions/mo over previous 3 mos), and +0.25% dividend rate for enrolling in e-Statements on or before opening CD (max loyalty reward = 1.25%).
Offer: Base Rate + 1.25% (active Visa, active Checking, and enrolled in e-Statements)
Qualified rate · 4.25% interest rate · Effective Mar 19, 2025
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More details - Red River Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.32%APY$214 over 6 months on $10,000Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded quarterly.
4.25% interest rate · Compounded quarterly · Effective Oct 7, 2026
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More details - 4.32%APY$214 over 6 months on $10,000
Requirements
Product: Interest compounded and paid quarterly or at maturity. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
4.25% interest rate
Rate checked
More details - NorthRidge Community Credit UnionCertificate of Deposit (CD)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.31%APY$213 over 6 months on $10,000Requirements
Product: Membership requires living, working, worshipping, or attending school in St. Louis, Lake, or Itasca counties, MN (or being an eligible relative). Features a 10-day grace period after maturity to renew or cash out. Early withdrawal fee is 90 days dividends for terms less than 12 months, and 180 days dividends for terms greater than 12 months.
Offer: Early withdrawal fee: 90 days dividends. 10-day grace period after maturity.
4.25% interest rate
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More details - Chartway Credit Union6-Month Promo CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000intro rateRequirements
Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 6-month certificate rate.
Offer: New deposits only from non-Chartway account. $500 minimum ($100 if under 18). Renews at standard 6-month certificate rate. Early withdrawal penalty applies.
Promotional rate · Effective Sep 1, 2026
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More details - Hurricane Creek Federal Credit UnionShared CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Effective Mar 11, 2026
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More details - CSD Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal.
4.23% interest rate · Effective Oct 9, 2026
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More details - Newtek BankCertificate of DepositCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.
3.92% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
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More details - DR BankDigital Prime Certificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Digital certificate of deposit accounts. Must be funded within 30 days to remain open. Early withdrawal penalty applies. Automatic renewal at maturity with 10-day grace period. No maintenance fees.
Offer: Minimum Deposit of $500.00 required. Minimum Daily Balance required to earn APY is $500.00. Early withdrawal penalty is 90 days of interest.
4.22% interest rate · Effective Sep 15, 2026
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More details - DR BankPrime Certificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Interest credited and compounded monthly or at maturity. Early withdrawal penalty applies based on term. Account automatically renews at maturity with a 10-calendar-day grace period. No monthly maintenance fees.
Offer: Early withdrawal penalty is 90 days of interest. Minimum daily balance required to earn APY is $500.00.
4.22% interest rate · Compounded monthly · Effective Sep 15, 2026
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More details - NASA Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
4.22% interest rate · Effective Oct 1, 2026
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More details - Arkansas Federal Credit UnionSpecial CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
4.22% interest rate · Effective Oct 9, 2026
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More details - Austin Capital BankCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Offered to residents of greater Austin. CDs available with maturities up to 18 months. Early withdrawal penalty applies for CDs not held to maturity.
Offer: Assumes no compounding, interest paid annually or at maturity. Early withdrawal penalty applies.
4.25% interest rate · Effective Sep 28, 2026
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More details - Evergreen Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Early withdrawal penalties may apply based on the original term. APY assumes dividends remain in the account until maturity; paid semi-annually and at maturity. Minimum deposit amounts as low as $1,000 for adults.
Offer: Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply.
4.25% interest rate · Effective Sep 24, 2026
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More details - Community Focus Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Fixed dividend rate for the entire term. Early withdrawal penalty usually applies. At maturity, Certificate funds automatically transfer to Savings account if not renewed. Serves individuals, families, and businesses throughout Wayne and Monroe counties.
Offer: $1000 minimum deposit.
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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
4,549 CDs at 4,003 banks and credit unions · checked Oct 15–22
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
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- Synchrony BankBank