Best 6-month CD rates

Requirements

Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. Compounded and credited monthly for terms of 6 months or greater. Compounded and credited at maturity for terms of less than 6 months. Early withdrawal penalty may apply. APY requires $500 minimum balance to open and obtain APY ($100 for Fair CD). Rates effective as of October 22, 2026. FDIC insured up to $250,000.

Offer: 6 Month Certificate; Preferred Rate with any checking account

Requirements

Product: Automatically renewing. Penalty for early withdrawals.

Offer: Dividends paid monthly.

Requirements

Product: $500.00 minimum balance. Substantial penalties for early withdrawal may apply.

Offer: Substantial penalties for early withdrawal may apply.

Requirements

Product: Competitive yields Flexible terms from six months to five years Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Minimum balance required to achieve stated APY. Daily balance method.

Offer: Term: 6 months. Simple interest on 6-month CD.

Requirements

Product: These Annual Percentage Yields (APYs) are accurate as of the date displayed on the CD Rates page and are subject to change without notice. Our CD interest rates remain fixed until maturity. The minimum balance to open a Certificate of Deposit and earn the APY is $500. A penalty may be imposed for withdrawals before maturity. Fees could reduce earnings.

Requirements

Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty.

Offer: Early withdrawal from certificates will be subject to a 90 day dividend penalty.

Requirements

Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.

Offer: Gold relationship tier

Requirements

Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.

Offer: Family Advantage Silver tier.

Requirements

Product: Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.

Offer: Gold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month).

Requirements

Product: Early withdrawal penalty of 90 days of interest. Minimum $500 required to earn dividends.

Requirements

Product: Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.

Requirements

Product: Early withdrawals subject to penalty. No setup or maintenance fees.

Requirements

Product: Early withdrawal penalties may apply. FAIRWINDS Visa Signature Credit Card members can receive a 0.25% rate bump on a CD upon request at account opening or renewal.

Requirements

Product: Interest compounded daily and credited quarterly for terms over 6 months. Early withdrawal penalties may apply. $500 minimum balance for most terms. 12-month CD allows additional deposits of $100 or more throughout the term.

Requirements

Product: Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.