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 916–930 results
- DuGood Federal Credit UnionCertificateCD · 6 months · $1,000 min · 3.76%–3.87% by balance
Credit union · Add a location to see nearby branches
3.76%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
Offer: Early withdrawal penalties may apply. Any fee incurred could reduce earnings.
3.70% interest rate · Effective Feb 18, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and upYour amount 3.76% $50,000 and up 3.82% $100,000 and up 3.87% Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Must meet credit union membership eligibility requirements. Minimum balance required. Early withdrawal penalties apply.
3.70% interest rate
Rate checked
More details - Spero FinancialTerm Share CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal fees could reduce earnings and principal on the account. Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms. Automatic renewal at maturity available.
Offer: Certificate dividends paid at maturity.
Effective Oct 23, 2026
Rate checked
More details - RBFCUCertificateCD · 6–11 months · $1,000 min · 3.65%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Membership eligibility required. $1,000 minimum balance required to open a Share Certificate account and earn stated APY. Early withdrawal penalties apply. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate.
3.59% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $5,000 3.65% $5,000 – $20,000Your amount 3.75% $20,000 – $75,000 3.79% $75,000 and up 3.85% Rate checked
More details - First Federal Savings Bank of MascoutahCertificate of DepositsCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: On certificates of deposits, an early withdrawal penalty may apply. APY shown is paid on the entire balance in the account.
Offer: Compounding frequency: Paid at Maturity. Early withdrawal penalty: 90 days of Interest. No compounding, interest paid at maturity.
3.75% interest rate · Effective Oct 8, 2026
Rate checked
More details - Access Community Credit UnionCertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Interest compounds on a monthly basis.
Promotional rate · 3.69% interest rate · Effective Oct 21, 2026
Rate checked
More details - ALLIANCE Credit UnionCertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Credit Union membership is required. Minimum deposit of $1,000 to open. Minimum $1,000 balance needed to earn APY. Early withdrawal penalties apply. ALLIANCE Stars & Preferred Partners receive a 0.30% APR bump on standard rates.
3.68% interest rate
Rate checked
More details - Valley 1st Community FCURegular Share CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Dividends on certificates are credited monthly to either the members Share Account or to the Certificate Account. New certificates are adjusted weekly. Rates are subject to change without notification.
3.75% interest rate · Effective Oct 19, 2026
Rate checked
More details - A & S Federal Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Offer: Dividends paid at maturity; $500 minimum
3.71% interest rate · Effective Oct 20, 2026
Rate checked
More details - Marquette Savings BankCertificates of DepositCD · 6–11 months · $500 min
Bank · Add a location to see nearby branches
3.75%APYRequirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Interest compounded and credited monthly for terms of 3 to 9 months. Must maintain a minimum balance of $500 to obtain disclosed APY.
3.69% interest rate · Effective Oct 20, 2026
Rate checked
More details - Stanford Federal Credit UnionCertificatesCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Premium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus).
Qualified rate · 3.69% interest rate · Effective Sep 18, 2026
Rate checked
More details - Exchange BankPersonal CD - New Money Promotional OfferCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Promotional rate · 3.68% interest rate · Balance cap $99,999 · Effective Oct 5, 2026
Rate checked
More details - Exchange BankPersonal CD - New Money Promotional OfferCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: New CDs with a balance of $5,000,000 or more require approval. Offer good for the initial term only. CD is automatically renewed for the same term at published Personal CD rates excluding promotional offers. Early withdrawal penalty applies. Requires new funds not currently on deposit with Exchange Bank on the day of account opening.
Offer: Offer good for initial term only; requires new funds not currently on deposit with Exchange Bank on the day of account opening. Automatically renews at standard Personal CD rate. Early withdrawal penalty applies.
Promotional rate · 3.68% interest rate · Balance cap $99,999 · Effective Oct 5, 2026
Rate checked
More details - Neighbors Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal on deposit accounts could reduce earnings. Requires membership with a Regular Savings Account maintained with a minimum $1 balance.
Effective Oct 17, 2026
Rate checked
More details - Park BankCertificate of Deposit (CD)CD · 6 months · $5,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal may be imposed for CDs/IRA CDs. Fees or withdrawals may reduce earnings. Tiered-rate account where higher balances may earn higher interest rates.
Offer: 6-Month Special. Compounding frequency: Quarterly. No minimum balance required to obtain advertised APY. Minimum of $5,000 new money to Park Bank may be required.
Promotional rate · 3.70% interest rate · Effective Sep 28, 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