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 766–780 results
- 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Offer: Must maintain minimum balance of $1000 every day to earn APY. Penalty may be imposed for early withdrawal.
Effective Sep 17, 2026
Rate checked
More details - Sunbelt Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: Available to members 18+ years old. Minimum opening balance of $500 required. Additional deposits are not permitted after opening. Daily balance method is used to calculate dividends. Certificate specials automatically renew to the next highest term upon maturity if the promotional term is no longer available. Early withdrawal penalties apply (90 days dividends for terms <= 12 months, 180 days dividends for terms > 12 months; $25 early withdrawal fee plus interest penalty). A 5-day grace period applies after maturity.
Promotional rate · 3.75% interest rate · Effective Sep 24, 2026
Rate checked
More details - Gardiner Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
3.75% interest rate · Effective Aug 1, 2025
Rate checked
More details - Greenville Heritage Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min · 3.82%–4.34% by balance
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000intro rateRequirements
Product: Dividends are calculated by the daily balance method and are compounded and credited monthly. A membership share with a par value of $5.00 is required. Substantial penalty for early withdrawal.
Offer: Dividends compounded and credited monthly. Anticipated dividend rate subject to change prior to quarter end.
Promotional rate · 3.75% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $50,001Your amount 3.82% $50,001 – $100,001 4.08% $100,001 and up 4.34% Rate checked
More details - Postal Family FCUShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Penalties for early withdrawals apply. Rates are subject to change without notice.
Rate checked
More details - IBEW 317 Federal Credit Unionshare certificates (cd)CD · 6 months
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Membership is open to sworn-in members of IBEW Local Union 317 or immediate family members. All accounts opened as Regular Shares with an initial deposit of $5.25.
Offer: Dividends paid monthly.
3.75% interest rate
Rate checked
More details - Gulf Coast Business BankCertificates of DepositCD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Available for personal or business purposes.
Offer: Rate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply.
3.75% interest rate · Balance cap $250,000 · Effective Aug 6, 2026
Rate checked
More details - Country Bank for SavingsRelationship Certificate of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000with conditionsRequirements
Product: Must be a primary or joint owner on Relationship Rewards Checking Account. Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies.
Offer: Primary or Joint Owner on Relationship Rewards Checking
Qualified rate · 3.75% interest rate · Effective Aug 3, 2026
Rate checked
More details - HTM Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: All certificates are subject to an early withdrawal penalty (3 months' dividends). Certificates automatically renew unless instructed otherwise. Dividends are compounded and posted monthly. If member opts to have dividends transferred to a Share account or check mailed, the certificate is non-compounding.
Offer: Minimum dividend balance of $1,000. Dividends earned on actual certificate balance and compounded monthly.
3.75% interest rate · Compounded monthly · Effective Dec 19, 2025
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More details - Professional Fire Fighters Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Prior to maturity, members receive a renewal notice and have 10 days after maturity to choose another option without penalty. Special certificate offers may not be renewable.
3.75% interest rate
Rate checked
More details - Post Office Employees Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APY$189 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 + 0.75% (e.g. active account parameters + e-Statements)
Qualified rate · 3.75% interest rate · Effective Mar 19, 2025
Rate checked
More details - MECUCertificate of DepositCD · 6–18 months · $1,000 min
Credit union · Add a location to see nearby branches
3.82%APYRequirements
Product: No monthly service fee. Early withdrawal penalty may apply. Automatically renews at maturity with a 10-day grace period.
Offer: Special promotional rate; dividends compounded monthly and must remain on deposit until maturity. May be withdrawn at any time.
Compounded monthly
Rate checked
More details - Laona State BankCertificates of DepositCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,000Requirements
Product: Penalty for early withdrawal. Annual percentage yield is based upon monthly compounding of interest for the term of deposit. Interest rates are subject to change at any time and without notice.
Offer: 6 Month Special. Compounded/credited monthly.
3.75% interest rate · Effective Aug 24, 2026
Rate checked
More details - TrailNorth Federal Credit UnionShare CertificatesCD · 6–12 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY - PennTech Federal Credit UnionShare Certificates (CD’s)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$189 over 6 months on $10,0003.75% interest rate · Effective Oct 1, 2025
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 6-month CDs pay nationwide
4,546 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