Best 6-month CD rates

Requirements

Product: Must be an ACU member and maintain a $5 savings account. Minimum balance to open is $500. Maximum of $250,000 per member (call for larger deposits). Not available for IRAs. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply and could reduce earnings.

Offer: Interest compounded monthly. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Must maintain a $5 savings account. Maximum $250,000 per member (call for larger deposits). Not available for IRAs.

Requirements

Product: Certificates earn dividends at higher rates than share savings accounts and money market accounts, but require funds to be locked in for a predetermined maturity period. Dividends are paid at maturity.

Offer: APY is stated as 'as high as 3.60%'. Terms offered range from 3 months to 36 months with a minimum deposit of $1,000. Dividends paid at maturity.

Requirements

Product: Promotional rates available for new money only (money not currently on deposit with the bank). Automatically renews at maturity for a term of 6-months. Funds must remain on deposit for the term. Early withdrawal penalty may apply. Fees could reduce earnings. Available for a limited time and subject to change without notice.

Offer: Promotional rate available for new money only (money not currently on deposit with the bank). Automatically renews at maturity for a term of 6-months. Funds must remain on deposit for the term. Early withdrawal penalty may apply. Fees could reduce earnings. Accurate as of 05/12/2026.

Requirements

Product: $1,000 needed to open any CD. Current market interest rate earned. Maturities available from 3 to 60 months. Stated CD rate is for existing customer only; non customers will receive a rate of .25% less than the rate listed.

Offer: Compounded daily, paid quarterly. Early withdrawal penalty may apply. Stated CD rate is for existing customer only; non customers receive .25% less.

Requirements

Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.

Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).

Requirements

Product: BSNB offers a variety of CD terms ranging from 7 days to 60 months, including popular 6-month and 1-year terms. Earn highest yields when joining the Premier Plan relationship package. Early withdrawal penalties apply and may reduce earnings.

Offer: Limited time special offer. Available to personal and business customers. Promotional CD products automatically renew to a non-promotional CD product. Penalties will be imposed for early withdrawal.

Requirements

Product: Fixed interest rate until maturity. $500.00 deposit to open account (larger deposit required for special certificate). Penalties may be imposed upon early withdrawal.

Offer: Compounded daily. Rates subject to change and fees may reduce earnings. Penalties may be imposed upon early withdrawal.

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: Silver 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 Bronze tier.

Requirements

Product: Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.

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: Silver Rate tier. Requires Silver Membership Package (Average Savings Product Balance Relationship of $10,000-$19,999.99 or Aggregate Balance Relationship of $10,000.00-$19,999.99 with direct deposit or payroll deductions of at least $500.00/month).

Requirements

Product: Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.

Offer: Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.

Requirements

Product: Membership eligibility required (live, work, worship, or attend school in specified parishes or immediate family of members). Early withdrawal penalties apply.