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 946–960 results
- Goldwater BankCERTIFICATES OF DEPOSITCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Certificates of Deposit are subject to early withdrawal penalties. Fees could reduce earnings on the account.
3.70% interest rate · Effective Oct 22, 2026
Rate checked
More details - UniWyo Credit UnionShare CertificateCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
3.70% interest rate · Effective Oct 15, 2026
Rate checked
More details - Mass Bay Credit UnionCertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Minimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member.
Promotional rate · Balance cap $250,000 · Effective Oct 16, 2026
Rate checked
More details - USC Credit UnionShare CertificatesCD · 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: Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
Offer: Minimum opening deposit $1,000. Early withdrawal penalties apply.
3.69% interest rate · Effective Oct 17, 2026
Rate checked
More details - Energy Capital Credit UnionCertificate AccountCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Must deposit or have an existing savings or checking account. Federally insured by NCUA.
Offer: Consumer only.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Greater Texas Credit UnionTerm Share Certificates/Certificates 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: At maturity, certificate funds will renew at the current 12-month rate in effect. Normal early withdrawal penalties apply. Fees could reduce earnings.
Offer: Regular certificate. Compounded daily, paid quarterly.
3.68% interest rate · Compounded daily · Effective Jul 1, 2026
Rate checked
More details - 1st Community Federal Credit UnionTerm Share CertificatesCD · 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 compounded and credited monthly on the last calendar day of the month for compounding certificates. Dividends will not be compounded if chosen to be paid directly to member or to another account. Early withdrawal penalties apply.
Offer: Compounding certificate. Dividends compounded and credited monthly.
3.69% interest rate · Effective Sep 16, 2026
Rate checked
More details - NY TEAM Federal Credit UnionCertificateCD · 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: Restricting each member to purchasing certificates (CDs) worth a maximum of $100,000. Early withdrawal penalties apply. Interest compounds daily and is posted monthly.
3.69% interest rate
Rate checked
More details - Alliance Niagara Federal 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: Dividends credited quarterly with dividends available at maturity. Early withdrawal penalty may be up to 90 days interest.
Offer: Early withdrawal will result in penalty fees of up to 90 days interest.
3.69% interest rate
Rate checked
More details - Reliant Credit UnionInvestor 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: Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.
3.70% interest rate · Effective Sep 22, 2026
Rate checked
More details - Discovery Federal Credit UnionCertificatesCD · 6 months · $100 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Fixed rate for the term of Certificate. Minimum balance requirement of $100. Assumes dividends remain on deposit and subject to change.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Meridian BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Interest compounded daily, credited monthly. CDs less than 24 months penalty: 6 months interest; CDs 24 months or greater penalty: 12 months interest. Automatically renews at maturity.
3.68% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - Sharon BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: CDs automatically renew unless requested otherwise. Early withdrawals subject to penalty. No setup or maintenance fees. Promotional accounts may require a higher opening deposit.
3.63% interest rate
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More details - S&T BankGrowth/Income CD Time 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: Maximum deposit amount of $250,000 when opened online. Maximum deposit amount of $500,000 when opened in branch. Available for amounts up to $500,000. Automatically renews into same term CD and rate offered at time of maturity. Penalty for early withdrawals.
Balance cap $500,000 · Effective Oct 12, 2026
Rate checked
More details - Civista BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: CD minimum to open and earn APY in branch is $500. Minimum to open and earn APY online is $1,000, except featured 8-month term which is $10,000 online.
Offer: Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online).
Promotional rate · 3.68% interest rate · Effective Oct 9, 2026
Rate checked
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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