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 811–825 results
- Irving City Employees Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Minimum balance required to open the account. You must maintain the minimum opening balance to maintain the Account. Penalties for Early Withdrawal of Principal apply (lesser of 3 months' dividends or dividends credited since opened for maturity of 1 year or less; 6 months' dividends for over 1 year). Automatically renews at maturity with a 10 calendar day grace period. No deposits permitted after opening until maturity.
Offer: Minimum balance required to open the account. You must maintain the minimum opening balance to maintain the Account.
3.75% interest rate · Effective Oct 9, 2026
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 6 months · $500 min · 3.80%–3.90% by balance
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.74% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 3.80% $25,000 – $99,999 3.85% $100,000 and up 3.90% Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 6–11 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.74% interest rate · Effective Oct 16, 2026
Rate checked
More details - Unity One Credit UnionSavings CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Fixed dividend rate and APY for the term. Name Your Own Term available in full-month increments from 6 months to 4 years earning the rate of the preceding certificate tier. Bump-up rate options for 2 and 3-year terms. Ability to add to balance during term.
Offer: Fixed dividend rate and APY. Assumption dividends remain on deposit until maturity; withdrawals and fees could reduce earnings.
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
- 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest is compounded quarterly. The Annual Percentage Yield assumes interest remains on deposit for one year. Periodic interest checks and transfers available.
Offer: Quarterly compound.
3.75% interest rate · Compounded quarterly · Effective Oct 7, 2026
Rate checked
More details - Heritage Community Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: Minimum opening deposit $1,000.
Promotional rate · 3.74% interest rate · Effective Oct 14, 2026
Rate checked
More details - The Peoples Savings & Loan CompanyCertificate Of DepositCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Institution generally does not accept nor retain deposits owned by persons residing outside their normal geographical service area.
Offer: A penalty will be imposed for early withdrawal. Balance required is daily balance.
3.75% interest rate · Effective Oct 13, 2026
Rate checked
More details - Michigan One Community Credit UnionRegular CDsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Superior National BankCertificate of Deposit (CD)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: $500 minimum deposit. Annual Percentage Yield (APY) is compounded quarterly (except 182-day CD). A penalty may be imposed for early withdrawal. Accounts closed within the first 90 days are subject to a $25 service charge.
Offer: 182 Day (6 months). Interest paid at maturity and cannot be compounded. A penalty may be imposed for early withdrawal.
Compounded quarterly · Effective Oct 13, 2026
Rate checked
More details - Denison State BankCertificates of Deposit (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: Compounded and credited quarterly. Daily balance method used to calculate interest paid. Automatic renewals. Penalty of forfeited interest paid may be imposed for early withdrawal.
Offer: Interest compounded and credited quarterly.
Promotional rate · 3.75% interest rate
Rate checked
More details - AAC Credit UnionCertificate of DepositCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Account fees may reduce earnings on certificates. Traditional CD may be opened for as little as $500 with 6 to 24 month options.
Effective Oct 15, 2026
Rate checked
More details - Middlesex Savings BankCertificate of DepositCD · 6 months · $250 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 6–12 months
Credit union · Add a location to see nearby branches
3.80%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 6 months (180-364 days). Standard rate.
Qualified rate · 3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Local BankCertificate of DepositCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: CDs must have a minimum opening balance of $2,500. Maximum deposit is $250,000 per CD. Offer subject to change without notice.
Promotional rate · 3.75% interest rate · Balance cap $250,000
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