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 826–840 results
- Wings Credit UnionStandard Certificate of DepositCD · 6–11 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Denver Fire Department Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Share certificates auto-renew upon opening with a 5-day grace period. Early withdrawal penalty is 90 days' dividends.
3.74% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - NCPA Federal Credit UnionShare Term Certificate (STC)CD · 6 months · $250 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Fixed dividend rate for the term of the certificate. Dividends accrue daily, but are not compounded. Funds may be used as collateral for NCPAFCU loans. Early withdrawal penalties may reduce earnings.
3.80% interest rate · Effective Oct 8, 2026
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More details - Texas Capital BankStar Certificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.
Offer: 180 Days term. No minimum balance requirement to obtain APY.
3.73% interest rate · Effective Oct 2, 2026
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More details - Forge Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,0003.74% interest rate
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More details - Riverfront Federal Credit UnionPreferred CertificatesCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000with conditionsRequirements
Product: Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Requires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty.
Qualified rate · Effective Oct 1, 2026
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More details - Greater Pittsburgh FCUShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Membership eligibility required (family relationship, participating employer, or living/working/worshiping/attending school in underserved communities of Pittsburgh). Minimum deposit $500. Automatically renews upon maturity. No maintenance or set up fees.
Offer: Interest reinvests/compounds and credits quarterly. Daily balance method used. Early withdrawal penalty applies (60 days dividends). Automatically renews upon maturity.
3.75% interest rate · Effective Sep 29, 2026
Rate checked
More details - Wilmington Savings BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Offer: Limited time offer. Assumes interest remains on deposit until maturity. Must maintain an average balance of $500 to earn the disclosed APY. At maturity, the 6 month CD special will automatically renew to a 6 month CD term with the then current rates. Penalty will apply for early withdrawal.
Promotional rate · 3.73% interest rate · Effective Sep 22, 2026
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More details - USALLIANCE FinancialFixed Rate Certificate AccountsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
Promotional rate · 3.73% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Affinity PlusBasic CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
3.74% interest rate
Rate checked
More details - Embarrass Vermillion FCUShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: All certificates require a $500 minimum deposit. Early withdrawal penalty applies.
3.75% interest rate · Effective Nov 20, 2025
Rate checked
More details - Co-op Credit UnionCertificates of DepositCD · 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: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
3.74% interest rate · Effective Sep 29, 2026
Rate checked
More details - F&M Bank and Trust CompanyCertificates of Deposit (CDs)CD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Interest on CDs accrues daily and is compounded quarterly. A penalty may be imposed for early withdrawal.
Offer: In-House Special. 6 month term. The minimum to open is the minimum balance to obtain the APY.
3.75% interest rate · Compounded quarterly · Effective Sep 24, 2026
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More details - MSU Federal Credit UnionCertificateCD · 6 months · $500 min · 3.80%–3.95% by balance
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 3.80% $100,000 and upJumbo tier. 3.95% Rate checked
More details - Alpena Alcona Area Credit UnionRegular CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 180 Day term; interest compounded and credited quarterly
3.75% interest rate · Effective Oct 5, 2026
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