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 1081–1095 of 4,558 results
- Shell FCUShare CertificatesCD · 6 months · $500 min · 3.75%–3.90% by balance
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.75% $25,000 and up 3.75% $50,000 and up 3.90% $100,000 and up 3.90% Rate checked
More details - Provident Credit UnionPick-A-Term CertificatesCD · 6 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$186 over 6 months on $10,000intro rateRequirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Limited time offer. Dividend rates are fixed for the term of the certificate and not subject to tiered rates. Deposits cannot be added once opened. Institutional deposits are not eligible. Renewals at maturity to the same term at the fixed rate in effect. Early withdrawal penalty applies.
Offer: Limited time offer. Fixed dividend rate. Deposits cannot be added after opening. Institutional deposits not eligible.
Promotional rate · 3.69% interest rate
Rate checked
More details - Hawaii Central 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: Fixed dividend rate and APY for the term of the account. Dividends compounded and credited monthly or quarterly depending on schedule/term. Early withdrawal penalties apply.
Offer: Dividends compounded and credited monthly.
3.69% interest rate · Effective Aug 4, 2026
Rate checked
More details - Ko’olau 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: Ko'olau FCU membership required. Dividends compounded and credited quarterly. Average daily balance method used to calculate dividends. Early withdrawal penalty applies.
Offer: Minimum balance to earn APY is $1,000.00. Early withdrawal penalty: for terms less than 12 months, equal to all dividends earned on the amount withdrawn (min 7 days, max 30 days dividends).
3.70% interest rate · Effective Sep 1, 2025
Rate checked
More details - Utah Heritage Credit UnionSavings 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: Dividends compounded monthly and credited monthly. Interest calculated by the daily balance method. No deposits or withdrawals allowed before maturity. Minimum opening deposit of $500.00. Early withdrawal penalty applies (90 days interest for terms 12 months or less; 180 days interest for terms 13 months or more; minimum penalty $15.00). Automatically renewed at maturity with a 10-day grace period.
3.69% interest rate · Compounded monthly · Effective Mar 26, 2026
Rate checked
More details - Mountain America Credit UnionBump CertificateCD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.74%APY$185 over 6 months on $10,000Requirements
Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.
Offer: Includes one-time rate bump option during certificate term.
3.68% interest rate · Effective Jul 9, 2026
Rate checked
More details - NAFT Federal Credit UnionTerm Share CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.74%APY$185 over 6 months on $10,000Requirements
Product: Penalty may apply for early withdrawal.
Offer: Dividends Paid: At Maturity.
3.70% interest rate
Rate checked
More details - United Community BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.73%APY$185 over 6 months on $10,000Requirements
Product: CDs opened online have a maximum deposit limit of $500,000. Interest on CDs 12 months or less paid at maturity; longer than 12 months paid annually. Penalty for early withdrawal will apply. Automatic renewal.
Offer: $1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid at maturity.
Effective Oct 1, 2026
Rate checked
More details - Bank of the OrientCertificate of DepositCD · 6 months · $10,000 min · 3.73%–3.88% by balance
Bank · Add a location to see nearby branches
3.73%APY$185 over 6 months on $10,000intro rateRequirements
Product: Limited time special rates effective start August 6, 2026 until further notice. A minimum opening deposit and minimum balance are required to earn the stated APY. Early withdrawal penalties may apply. Fees may reduce earnings. Offers may not be combined.
Offer: Limited time CD special rate for balances of $10,000 to $99,999. Early withdrawal penalties may apply.
Promotional rate · Effective Aug 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $99,999Your amount 3.73% $100,000 and up 3.88% Rate checked
More details - Bayou Community Federal Credit UnionCertificate of DepositsCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.72%APY$184 over 6 months on $10,000Requirements
Product: Membership at Bayou Community FCU is open to anyone who lives, works, worships, or attends school in St. Gabriel and surrounding areas. Minimum of $500 to open certificates; certificates are payable monthly or at maturity. Rates are determined monthly.
Offer: Pays Monthly.
3.65% interest rate · Effective Jun 1, 2026
Rate checked
More details - MCT Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.72%APY$184 over 6 months on $10,000Requirements
Product: Early withdrawals subject to a penalty. No setup or maintenance fees.
3.65% interest rate · Effective Oct 1, 2026
Rate checked
More details - Spring Valley BankCertificates of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.72%APY$184 over 6 months on $10,000Requirements
Product: Fixed rate for the term. Penalty for early withdrawal.
Offer: 182 Day CD. Simple interest. Fixed rate for the term (T). Penalty for early withdrawal (P).
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - American Bank & TrustCertificate of Deposits (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.72%APY$184 over 6 months on $10,000Requirements
Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.
Effective Oct 5, 2026
Rate checked
More details - ZIA CUShare CertificateCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.72%APY$184 over 6 months on $10,000Requirements
Product: Fixed rates. Minimum deposit $1,000. Early withdrawal penalty applies. ZAP loyalty rewards can increase certificate rates by up to 0.50% APY (0.10% per qualifying product/service).
Offer: 6 Months term. Balance $1,000 & Greater tier.
3.65% interest rate · Effective Sep 1, 2026
Rate checked
More details - Pantex Federal Credit UnionShare CertificatesCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
3.72%APY$184 over 6 months on $10,000Requirements
Product: Early withdrawal penalties apply to share certificates. A certificate may not be reduced below the minimum balance. Receiving dividends by taking monthly withdrawals will reduce the APY. Automatically renews at maturity at prevailing rate unless chosen otherwise.
Offer: Dividends compounded/credited to your certificate monthly.
3.65% interest rate
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 6-month CDs pay nationwide
4,558 CDs at 3,997 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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