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 616–630 results
- 3.90%APY$193 over 6 months on $10,000
Requirements
Offer: 182-day term. Substantial penalty for early withdrawal. $1,000 minimum opening balance and minimum balance to obtain stated APY.
3.84% interest rate · Effective Oct 5, 2026
Rate checked
More details - Colorado Credit UnionCertificates of DepositCD · 6 months · $500 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.
Offer: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $100,000Your amount 3.90% $100,000 and up 4.00% Rate checked
More details - Canvas Credit UnionCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000intro rateRequirements
Product: Canvas Credit Union membership required. Minimum $1,000 to open and $1,000 minimum balance to earn interest. Dividends credited and compounded monthly.
Promotional rate · Compounded monthly
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More details - Carolina Federal Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Dividends calculated daily, compounded and credited monthly. Automatically renews at maturity at current interest rate unless notified. Early withdrawal penalties apply.
3.83% interest rate · Effective Oct 1, 2026
Rate checked
More details - Freedom Credit UnionTerm Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
3.84% interest rate · Effective Sep 24, 2026
Rate checked
More details - Global Bank NYPersonal Certificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Interest is compounded daily, payable monthly, and may be withdrawn at maturity. Fixed interest rates determined at the time of deposit for the specified term. Early withdrawal penalties may apply. Fees may reduce earnings.
3.83% interest rate · Compounded daily · Effective Sep 25, 2026
Rate checked
More details - RS Bellco Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Early withdrawal penalty is 30 days dividends for terms less than 12 months and 90 days dividends for all other terms. Dividends paid monthly for terms of 6 months or less and quarterly for all other terms.
Offer: Posting Date: Monthly
3.90% interest rate
Rate checked
More details - IBEW Federal Credit UnionRegular CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,0003.84% interest rate · Effective Sep 22, 2026
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More details - Beacon Community BankCertificates of DepositCD · 6 months · $250 min
Bank · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: A minimum balance of $250.00 is required to open this account. Interest will be compounded and credited annually for terms equal to and greater than one year. Interest will be compounded and credited at maturity for CD terms less than 12 months. Early withdrawal penalties apply.
Offer: Interest compounded and credited at maturity. Penalty of 6 months interest on amount withdrawn may be imposed for early withdrawal.
Effective May 4, 2026
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More details - Eagle Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Rate Step Up provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the step (available on share certificates of 2 years or more). Certificates automatically renew at maturity unless new instructions are given.
Offer: Step-Up Option Available.
Rate checked
More details - Conservation First BankCertificate of DepositCD · 6 months
Bank · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Maturities available from 3 months to 6 years. Interest rates determined based on length and amount of investment. Automatically renews for the same term at the bank's new interest rate upon maturity. Early withdrawal penalties apply and may invade principal.
Offer: Compounding frequency at maturity. Interest is not compounded during the term and is credited at maturity. Early withdrawal penalty equals 1 month's interest and may invade principal. Automatically renews at maturity.
3.90% interest rate · Effective Feb 3, 2026
Rate checked
More details - Members Community Credit UnionCertificate of Deposit / Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Minimum deposit is $1,000; for minor primary owners it's $250. Automatic renewal. Early withdrawal fee applies.
Offer: Automatic renewal; not applicable to IRAs; minimum deposit is $250 for minor primary owners.
3.84% interest rate
Rate checked
More details - West Metro Schools Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,0003.84% interest rate · Effective Mar 11, 2026
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More details - First Bank of Central OhioCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Interest is compounded daily and paid monthly (quarterly and annual payment also available). Fixed rate for the term of the certificate. May be set up to automatically renew. Early withdrawal penalties apply.
Offer: Early withdrawal penalty is 90 days. Daily compounding.
3.83% interest rate · Compounded daily · Effective Sep 2, 2026
Rate checked
More details - NoteWorthy FCUShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$193 over 6 months on $10,000Rate 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