CD Rates 6-Months

Competition among banks and credit unions for certificate of deposit (CDs) accounts is fierce, giving us a variety of choices. Financial institutions are battling it out for deposits, so they offer a variety of CD maturities at very competitive yields. We have compiled the best 6-month rates here for you to check out.

If you want to see comparisons for other types of bank accounts, see our list of highest APY by account types here.

Bank CD Months Rates Min $ Max $
Veridian Credit Union
9 Month CD Special
0.75%$1k-
NASA FCU
9 Month Share Certificate Special - New Money
0.75%$10k-
Lafayette FCU
7 Month Fixed CD
0.70%$500-
Communitywide FCU
6 Month Share Certificate
0.70%$1k-
Puerto Rico FCU
6 Month Share Certificate
0.60%$1k-
Interior FCU
6 Month Share Certificate
0.56%$500-
Marcus by Goldman Sachs
9 Month CD
0.55%$500$1m
Chevron FCU
9 Month CD
0.50%$500-
Spectrum Credit Union
9 Month CD
0.50%$500-
American Heritage FCU
9 Month Share Certificate
0.50%$1k-
Evansville Teachers FCU
8 Month CD
0.50%$1k-
Abound Credit Union
6 Month CD
0.50%$500-
BankDirect
6 Month CD
0.50%$10k-
Hughes FCU
6 Month CD
0.50%$1k-
MapleMark Bank
9 Month CD
0.45%*$25k-
Hiway Credit Union
6 Month CD
0.45%*$25k-
TIAA Bank
9 Month CD
0.45%$1k-
Service Credit Union
9 Month Share Certificate
0.45%$500-
Signature FCU
9 Month Share Certificate
0.45%$500-
First Internet Bank
6 Month CD
0.45%$1k-
Limelight Bank
6 Month CD
0.45%$1k$500k
NexBank
6 Month CD
0.45%$10k$240k
Quontic Bank
6 Month CD
0.45%$500-
State Department FCU
6 Month Certificate
0.45%$500-
Continental Bank
6 Month High Yield CD
0.45%$1-
iGObanking
6 Month iGOCD
0.45%$1k-
MutualOne Bank
9 Month Advantage CD
0.40%$5k-
TAB Bank
9 Month CD
0.40%$1k-
Hanscom FCU
6 to 11 Month CD
0.40%$1k-
Alabama Credit Union
6 Month CD
0.40%$500-
Colorado Federal Savings Bank
6 Month CD
0.40%$5k-
Consumers Credit Union (IL)
6 Month CD
0.40%$250$100k
Merrick Bank
6 Month CD
0.40%$25k$250k
PenFed Credit Union
6 Month Money Market Certificate
0.40%$1k-
Genisys Credit Union
6 Month Share Certificate
0.40%$500-
MTC FCU
6 Month Share Plus CD
0.40%$10k-
Dow Chemical Employees' Credit Union
6 Month Simple CD
0.40%$500-
Kinecta FCU
6 Month CD
0.35%*$1k-
Wings Financial Credit Union
6 Month Certificate
0.35%*$10k-
CIBC Bank USA
9 Month Agility CD - Online Only
0.35%*$25k$5m
People's Trust FCU
9 Month CD
0.35%*$25k-
Zeal Credit Union
9 Month CD
0.35%*$25k-
Technology Credit Union
6 - 8 Month Flextime CD
0.35%$1k-
Affinity Plus FCU
6 Month CD
0.35%$500-
Banesco USA
6 Month CD
0.35%$1.5k$250k
DollarSavingsDirect
6 Month CD
0.35%$1k-
EmigrantDirect.com
6 Month CD
0.35%$1k-
Matadors Community Credit Union
6 Month CD
0.35%$1k-
Prime Alliance Bank
6 Month CD
0.35%$500-
My eBanc
6 Month Online Time Deposit
0.35%$5k-
Northrop Grumman FCU
6 Month Term CD
0.35%$2.5k-
Synchrony Bank
9 Month CD
0.35%$2k-
M.Y. Safra Bank
9 Month Classic CD
0.35%$5k-
Pawtucket Credit Union
8 Month CD
0.35%$1k-
California Coast Credit Union
8-Month Liquid CD - New Money
0.35%$1k-
My Banking Direct
7 Month CD
0.35%$500-
Workers Credit Union
6 Month CD
0.30%*$25k-
Allegacy FCU
9 Month CD
0.30%*--
First Flight FCU
9 Month Share Certificate
0.30%*$10k-
Corporate America Family Credit Union
6 Month CD
0.30%*$10k-
Premier America Credit Union
6 Month CD
0.30%*$25k-
United Texas Bank
6 Month CD
0.30%$1k-
Discover Bank
9 Month CD
0.30%$2.5k-
Northern Bank Direct
9 Month CD
0.30%$500-
Pennsylvania State Employees Credit Union
9 Month CD
0.30%$500-
Sallie Mae Bank
9 Month CD
0.30%$2.5k-
Teachers FCU
9 Month CD
0.30%$1k-
Virtual Bank
9 Month eCD
0.30%$10k-
Ally Bank
9 Month High Yield CD
0.30%--
Central Bank of Kansas City
9 Month No Penalty CD
0.30%$1-
Garden Savings FCU
9 Month Share Certificate
0.30%$500-
BrioDirect
High-Rate 9 Month CD
0.30%$500-
Fort Bragg FCU
6 Month Term Share Certificate
0.30%$500-
Marine FCU
6 Month Term Share Certificate
0.30%$500-
Luther Burbank Savings
7 Month Special CD
0.30%$1k-
CIT Bank
6-Month Term CD
0.30%$1k-
America's Credit Union
3-12 Month Standard Share Certificate
0.30%$500$25k
Michigan State University FCU
6 Month CD
0.30%$500-
Chartway FCU
6-11 Month Share Certificate
0.30%--
Greenwood Credit Union
6 Month CD
0.30%$1k-
Oklahoma Central Credit Union
6 Month CD
0.30%$1k-
Pen Air FCU
6 Month CD
0.30%$500-
SunWest
6 Month CD
0.25%*$500-
Citi
7 Month CD
0.25%*$1k-
Grow Financial FCU
6 - 11 Month Share Certificate
0.25%*$500-
Capital Educators FCU
6 Month Share Certificate
0.25%*$10k-
UNIFY Financial Credit Union
6 Month Share Certificate
0.25%*$1k-
Ideal Credit Union
6 Month CD
0.25%*$25k-
NuVision FCU
6 Month CD
0.25%*$25k-
State Bank of India (IL)
6 Month CD
0.25%$2.5k-
Sun East FCU
6 Month CD
0.25%$500-
USALLIANCE Financial
9 Month Certificate
0.25%$500-
TBK Bank
6 Month CD
0.25%$500-
North American Savings Bank
7 Month CD
0.25%$1k-
The Federal Savings Bank
6 Month CD - New Money
0.25%$500-
Financial Partners Credit Union
6 to 11 Month CD
0.25%$1k-
Wheelhouse Credit Union
6 Month Certificate
0.25%$500-
Ohio University Credit Union
6-11 Month Share Certificate
0.25%$500-
Transportation FCU
6 Month Affordable CD
0.25%$250-
Bay State Savings Bank
6 Month CD
0.25%$1k-

Tips on choosing the right CD

First, decide on what CD term you need. If have the cash and don’t mind having it locked up for a few years, consider a 5-year CD. They tend to have the highest rates. If you don’t want your money to be out of sight for that long, consider a 3- or 4-year CD instead.

Once you determine which CD term suits your need, it is easy to just pick the account with the highest rate. But you need to check a CD’s minimum deposit before deciding. CD minimum deposits vary, with certain online banks not requiring any amount, while other institutions require $25,000 or even as much as $100,000. Some may require a low opening deposit in but in turn require an even higher balance to earn their highest rate.

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