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 991–1005 results
- Houston Federal Credit UnionFlexible-Term CertificateCD · 6–11 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
3.70% interest rate
Rate checked
More details - POLAM Federal Credit UnionSavings CertificateCD · 6 months · $2,500 min · 3.75%–4.05% by balance
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Lock funds for terms ranging from 6 months to 5 years. Minimum to open is $2,500 ($500 for members under 18 years of age). Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
Offer: Assumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
3.69% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Certificate Balance APY $2,500 and upYour amount 3.75% $25,000 and up 3.85% $50,000 and up 3.95% $100,000 and up 4.05% Rate checked
More details - California Credit UnionShare CertificateCD · 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
Offer: Offered for a limited time only. A Share Account with $0.01 Par Value is required to establish membership.
Promotional rate · Effective Jul 7, 2026
Rate checked
More details - Staley Credit UnionCertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Rate checked
More details - Planites Credit UnionInvestment CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,0003.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - Service 1st Federal Credit UnionRegular Certificate AccountsCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: minimum investment of only $500 3 to 60 month terms available dividend rate fixed for the term of the certificate APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures dividends compounded and posted quarterly penalty for early withdrawal funds insured up to $250,000 by the NCUA, National Credit Union Administration
Offer: Penalty for early withdrawal.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - Spirit Financial CUShare CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,0003.69% interest rate · Effective Oct 6, 2026
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More details - New Tripoli 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: Rates fixed for the term; early withdrawal penalties apply; interest compounded daily.
Offer: Term is 182 days (special rate); minimum deposit to open and obtain APY is $500; penalty for early withdrawal is 90 days of interest.
Promotional rate · 3.68% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - Washington Area FCUShare 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 compounded and credited monthly. Penalty for early withdrawal. Automatic renewal. Additional deposits not allowed. Minimum opening deposit $1,000.
3.68% interest rate
Rate checked
More details - Ventura County Credit UnionFixed Rate 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: Personal and Business certificates. Minimum opening deposit is $1,000. Early withdrawal penalty applies. Dividends posted monthly on anniversary date and at maturity.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - OceanAir Federal Credit UnionTerm Share 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: Must meet membership and account criteria. Early withdrawal penalties apply.
3.69% interest rate
Rate checked
More details - Associated School Employees CUCertificates (Regular)CD · 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. $1,000 minimum to open and earn dividends/interest. Rates subject to change at any time. Fees could reduce earnings.
Offer: A penalty will or may be imposed for early withdrawal.
3.69% interest rate · Effective Oct 5, 2026
Rate checked
More details - The Farmers State BankCD SpecialsCD · 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: Minimum deposit $1000 for CDs. Available for a limited time. Interest compounded at term end if less than 6 months, otherwise compounded semi-annually. Penalty may be imposed for early withdrawal.
Offer: Interest compounded semi-annually. Available for a limited time. Penalty may be imposed for early withdrawal.
Promotional rate · 3.71% interest rate
Rate checked
More details - Bridge Credit UnionStandard CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Offer: To receive ConnectMORE APY, member must be in the ConnectMORE Royal Rewards program.
Rate checked
More details - Superior Credit UnionRegular 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: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 90-day penalty for early withdrawal.
3.70% interest rate · Compounded quarterly · Effective Oct 1, 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