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 1291–1305 of 4,559 results
- Mountain Credit Union6 Month CertificateCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
3.64%APY$180 over 6 months on $10,000Requirements
Product: Dividends paid monthly. Rates subject to change without notice.
Offer: Dividends paid monthly. Rates subject to change without notice.
3.70% interest rate · Effective Oct 16, 2026
Rate checked
More details - State Employees Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.64%APY$180 over 6 months on $10,000with conditionsRequirements
Product: Quarterly dividends. Dividend transfer available on 24-60 month terms. Rising Rate Option available on 48 and 60 month terms allowing dividend rate and APY to change once during original term to current rate for same term. Bonus rate condition adds +0.10% each for active checking account, full direct deposit, active SECU credit card, active consumer loan, and current mortgage (+0.50% max).
Offer: Bonus Rate APY includes all membership rate bonus conditions at 0.10% each (5 total: Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage). Early withdrawal penalty: 90 days interest.
Qualified rate · Effective Aug 3, 2026
Rate checked
More details - Texoma Community Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: All certificates are compounded monthly. Interest penalty for early withdrawal of principal. ****The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Withdrawals will reduce earnings. Fixed rates remain in effect until maturity. Rates are subject to change daily. Ask us for further information about these accounts.
Offer: All certificates are compounded monthly. Interest penalty for early withdrawal of principal. ****The annual percentage yield (APY) assumes that interest remains on deposit until maturity. Fixed rates remain in effect until maturity.
3.57% interest rate · Compounded monthly
Rate checked
More details - First State BankCertificates of Deposit (CDs)CD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: Fees may reduce earnings. Substantial penalty will be imposed for premature withdrawal, calculated only on the amount withdrawn if less than the full deposit. Early Withdrawal Penalty: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 year terms have a penalty of 12 Months Interest. All Individual Retirement Accounts: 30 Day through 1 Year terms have a penalty of 6 Months Interest; Over 1 Year through 8 Year terms have a penalty of 12 Months Interest. Automatically renews upon maturity after a 10 day grace period. No setup or maintenance fees.
Offer: Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate. Substantial penalty for premature withdrawal.
3.60% interest rate · Effective Oct 7, 2026
Rate checked
More details - Millbury National BankCertificates of DepositCD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: Early withdrawals may result in penalties: 30 days interest for 3-month CDs, 60 days interest for 6-month CDs, 180 days interest for 1-year CDs, 180 days interest for 2-year CDs and 180 days interest for 3-year CDs. No setup or maintenance fees.
Offer: 6 Month CD
3.60% interest rate
Rate checked
More details - First Federal Savings BankCertificates of DepositCD · 6 months · $2,500 min
Bank · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000intro rateRequirements
Product: Rates subject to change without notice. A penalty will be imposed for early withdrawal.
Offer: 182 Day special. Minimum balance to open and earn APY is $2,500. Penalty for early withdrawal.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Northern Valley Federal Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: Minimum deposit $1,000 ($500 for applicants aged 17 and younger). Effective as of October 2026.
Offer: Min deposit $1,000 ($500 for applicants aged 17 and younger).
3.60% interest rate
Rate checked
More details - Peoples State BankCertificates of Deposit (CDs)CD · 6 months · $500 min
Bank · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal on any CD.
Offer: Interest paid at maturity
3.60% interest rate · Effective Feb 11, 2026
Rate checked
More details - Farmway Credit UnionShare CertificatesCD · 6 months · $2,500 min
Credit union · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: Automatically renewable. Terms from 3 months to 48 months. Penalties apply for early withdrawal. Dividends calculated by daily balance method and accrue on the business day deposit is made; if closed before crediting, accrued dividends for that period are forfeited.
Offer: Dividend paid monthly, quarterly, or at maturity. Dividend deposited to share account or added to certificate at maturity only.
3.60% interest rate · Effective Jul 1, 2025
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More details - Bank of Prairie du SacCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Offer: Term is 183 days. A penalty may be imposed for early withdrawal.
3.60% interest rate
Rate checked
More details - Prime Security BankCertificates of DepositCD · 6 months · $10,000 min
Bank · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: $10,000 minimum opening deposit required to obtain stated APY. Substantial penalty for early withdrawal. Subject to approval.
Offer: $10,000 minimum opening deposit required to obtain stated APY. Substantial penalty for early withdrawal.
Effective Oct 30, 2025
Rate checked
More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 6 months · $1,000 min
Bank · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Semiannual compounding/payment.
3.60% interest rate · Effective Sep 16, 2026
Rate checked
More details - Texoma Community Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · Add a location to see nearby branches
3.63%APY$180 over 6 months on $10,000Requirements
Product: Any annual percentage yield (APY) assumes dividends will remain on deposit for at least one year. A withdrawal will reduce earnings. Fee could reduce earnings. Penalties may be imposed for early withdrawal.
3.57% interest rate
Rate checked
More details - CME Federal Credit UnionShare CertificatesCD · 6 months · $500 min · 3.62%–3.72% by balance
Credit union · Add a location to see nearby branches
3.62%APY$179 over 6 months on $10,000Requirements
Product: Open with $500 ($250 for youth accounts). Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal.
3.56% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $15,000Your amount 3.62% $15,000 – $50,000 3.62% $50,000 and up 3.72% Rate checked
More details - Georgia's Own Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · Add a location to see nearby branches
3.62%APY$179 over 6 months on $10,000Requirements
Product: Penalty applies for early withdrawal. Fees may reduce earnings on an account.
Offer: Interest credited monthly or interest compounded quarterly.
3.57% interest rate · Compounded quarterly
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
What 6-month CDs pay nationwide
4,559 CDs at 3,998 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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