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 1021–1035 of 4,556 results
- ANECA Federal 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: Rates fixed upon opening. Early withdrawal penalties apply. $1,000 minimum deposit.
3.69% interest rate · Effective Sep 23, 2026
Rate checked
More details - Arise FinancialShare 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: Personal accounts only. Minimum deposit is $500. Dividend penalties may apply for early withdrawals. Compounding is monthly. Fees could reduce earnings.
Offer: Monthly compounding. Minimum to earn APY is $500.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - OneLocal BankCertificate 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: An early withdrawal penalty may be imposed and could reduce earnings. Fees could reduce earnings.
Offer: Compounding Monthly.
Promotional rate · 3.69% interest rate · Effective Sep 1, 2023
Rate checked
More details - OneLocal BankFeatured Certificate of DepositsCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: An early withdrawal penalty may be imposed and could reduce earnings for these accounts. Fees could reduce earnings.
Offer: Compounding Monthly. Visit a branch to open.
3.69% interest rate · Effective Sep 1, 2023
Rate checked
More details - MASSMUTUALShare CertificateCD · 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: $500 minimum deposit to open and earn stated dividend rate and receive Annual Percentage Yield. Early withdrawal penalties apply. Automatic renewal at maturity for 15-Month Promotional into standard 12-Month Share Certificate.
Promotional rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Transport Credit UnionShare CertificateCD · 6 months
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Membership eligibility required. Fixed dividend rate locked for full term. Early withdrawal penalty may apply. Federally insured to at least $250,000 by NCUA.
Offer: No service or transaction fees. Early withdrawal penalty may apply.
3.70% interest rate · Effective Oct 5, 2026
Rate checked
More details - Farmers & Merchants Bank6 Month CDCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal penalties may be imposed, and the fee could reduce principal. If redeemed prior to original maturity date, penalty equivalent to 1 month interest may be applied. Fees could reduce earnings.
Offer: Early withdrawal penalty equivalent to 1 month interest may be applied if fully or partially redeemed prior to original maturity date. Fees could reduce earnings.
Balance cap $1,000,000 · Effective Oct 2, 2026
Rate checked
More details - NEW MILLENNIUM 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: Fixed Rate. $500.00 Minimum to open and obtain APY. Interest compounded daily, credited monthly. Penalties may apply to early withdrawals. 4 Month CD & 10 Month CD are not offered for a new account.
Offer: Fixed Rate. $500.00 Minimum to open and obtain APY. Penalties may apply to early withdrawals.
3.68% interest rate · Compounded daily · Effective Sep 28, 2026
Rate checked
More details - On Tap Credit UnionTerm 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 be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
3.69% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - SunWest Educational Credit UnionCertificatesCD · 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 credited monthly. Based on the assumption that dividends/interest will remain on deposit until maturity. Certificate accounts do not allow for additional deposits or withdrawals. Early withdrawal penalties apply and may reduce earnings and principal.
Offer: Dividends credited monthly.
3.69% interest rate · Effective Apr 1, 2026
Rate checked
More details - Pikes Peak Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Minimum opening deposit $500. Minimum balance to earn dividends $500. Penalty for early withdrawal. Dividends paid monthly. 10 calendar-day penalty-free grace period at maturity.
Promotional rate · 3.69% interest rate · Effective Oct 4, 2026
Rate checked
More details - Progressions Credit UnionCertificatesCD · 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 penalties may apply. Dividends can be paid to the certificate or transferred to savings or checking account monthly.
Effective Oct 1, 2026
Rate checked
More details - Puget Sound Cooperative Credit UnionCertificateCD · 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: Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.
Offer: Wave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity).
Qualified rate · 3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - Telco Community Credit UnionCertificate of DepositCD · 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 penalty applies: 90 days dividends for terms under 1 year; 180 days dividends for terms of 1 year or greater. Deposits federally insured up to $250,000 by NCUA.
3.75% interest rate · Effective Oct 4, 2026
Rate checked
More details - Northern Hills Federal Credit UnionCertificatesCD · 6 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Compounded daily · Effective Oct 4, 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
4,556 CDs at 3,995 banks and credit unions · checked Oct 22–25
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 3.04%
- Credit unions, typical
- 3.28%
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