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 961–975 results
- OC Federal Credit UnionShare 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: Certificate rates fixed at time of investment. Minimum deposit $500.00. Total certificate balances qualify for rate. Substantial penalty for early withdrawal. Early withdrawal penalty is 180 days of dividends. Membership share of $5.00 required.
Offer: Basic Membership.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Firefighters Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Membership required ($5 minimum balance in regular savings account). $500 minimum balance required to open and maintain. Certificate rates remain fixed for term of certificate. Penalty imposed for early withdrawal. Rates subject to change at any time. Certificate funds insured by American Share Insurance (ASI) up to $250,000 per account.
Offer: Fixed rate. Penalty for early withdrawal. $500 minimum balance required.
Effective Oct 16, 2026
Rate checked
More details - Treadwell Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.
Effective Oct 16, 2026
Rate checked
More details - Fidelity FederalCertificates 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: No monthly fees. Rate guaranteed for the term of the account. Automatically renewable. Fees may reduce earnings. Rates are subject to change without notice.
Offer: 182 Day Fixed. APY is calculated based on a one-year time frame.
3.68% interest rate
Rate checked
More details - First Community 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
Product: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
Offer: Compounding and crediting at maturity. Early withdrawal penalties apply.
Effective Oct 9, 2026
Rate checked
More details - TBA Credit UnionCertificate of Deposit (CD)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
Offer: With Direct Deposit (0.20% rate increase)
3.70% interest rate · Effective Apr 22, 2026
Rate checked
More details - Centric Federal Credit UnionRegular 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: Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Offer: Penalty for early withdrawal.
3.69% interest rate · Effective Sep 28, 2026
Rate checked
More details - Stock Exchange BankCertificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Fixed interest rate for the term of deposit. Substantial penalty for early withdrawal. Additional deposits are not permitted. Minimum initial deposit is $1,000 for terms under 1 year, $500 for terms 1 year or greater. Jumbo rates available upon request. Fees could reduce earnings.
Offer: Maturity 182 days.
3.72% interest rate · Effective Oct 15, 2026
Rate checked
More details - St. Mary's Credit UnionRelationship CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000with conditionsRequirements
Product: Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. Includes 0.15% premium to APY.
Qualified rate · 3.63% interest rate
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More details - Excel Federal Credit UnionShare Certificates/CDsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Membership open to individuals who live, work, worship, or attend school in Forsyth, Fulton, Gwinnett, and Hall counties, and their immediate family members. Fixed rates compounded quarterly.
Offer: Payroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield.
Qualified rate · 3.70% interest rate · Compounded quarterly · Effective Oct 16, 2026
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More details - Park Side Credit UnionShare 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: Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Early withdrawal penalty: Certificate term 12 months or less – 90-day interest penalty. Certificate term over 1 year – 180-day interest penalty.
3.69% interest rate
Rate checked
More details - LSB Community BankCertificates of DepositCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Minimum balance to open an account is $2,500 ($500 for minor). Minimum amount to earn APY is $500. Early withdrawal penalty will be imposed if CD is closed prior to maturity.
Offer: New Accounts. Minimum opening balance is $2,500 ($500 minor); minimum to earn APY is $500.
Promotional rate · 3.69% interest rate · Effective Oct 10, 2026
Rate checked
More details - Partner Colorado Credit UnionRegular Certificate of Deposit (CD)CD · 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: CD earning rates are fixed. A penalty will be imposed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months).
Offer: Early withdrawal penalty is 90 days of interest.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Great NorthWest Federal Credit UnionTerm CertificatesCD · 6 months · $500 min · 1.00%–3.75% by balance
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,0001.00% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Term Certificates Balance APY $500 and up 1.00% $5,000 and up 3.75% $10,000 and upYour amount 3.75% Rate checked
More details - Welcome Federal 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: Fixed interest rate. Available for a limited time. Dividends compounded and credited quarterly. Penalty may be imposed for early withdrawal. Certificates are not subject to auto-renewal, except the 6-month and 12-month certificate, which will auto-renew. No monthly service charges.
Offer: Will auto-renew. Compounded and credited quarterly. Early withdrawal penalty may apply.
Promotional rate · 3.75% interest rate · Effective Oct 14, 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
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- Synchrony BankBank