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You are here: Home / Banking / Best 6-Month CD Rates

Best 6-Month CD Rates

January 30, 2023 by Rob Berger

A 6-month CD may be ideal for those with short-term cash needs. It may also be suited for those who do not want to take on the risk that interest rates could rise in the near term. Below we list the 6-month CDs in our database, ordered from highest APY to lowest.

Note that you may be able to find better rates with alternative account types. For example, online savings accounts or no-penalty CDs may offer higher yields.

Featured Offer: FVCbank 12-Month No Penalty CD

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  • 12-Month No-Penalty CD
  • APY: 4.60%
  • Min. Deposit: $1
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6-Month Certificate of Deposit Rates

70 Results

Fidelity
6-month New Issue CD
APY
5.25%
Min
$100
Max
-

Rising Bank
6-Month CD
APY
4.90%
Min
$1,000
Max
$1,000k

Live Oak Bank
6-month CD
APY
4.80%
Min
$2,500
Max
$250k

Live Oak Bank
6-month Business CD
APY
4.80%
Min
$2,500
Max
$250k

Alliant Credit Union
6-month CD
APY
4.75%
Min
$1,000
Max
-

Western Alliance Bank
6-month CD via SaveBetter
APY
4.60%
Min
$1
Max
-

UmbrellaBank
6-month CD
APY
4.60%
Min
$10,000
Max
-

Banesco USA
BaneSmart 6-Month CD
APY
4.55%
Min
$1,500
Max
-

First Internet Bank
6-month High Yield CD
APY
4.52%
Min
$1,000
Max
-

Teachers Federal Credit Union
6-month CD
APY
4.50%
Min
$1,000
Max
$100k

Popular Direct
6-month CD
APY
4.50%
Min
$10,000
Max
-

Colorado Federal Savings Bank
6-month CD
APY
4.40%
Min
$5,000
Max
-

NexBank
6-month Standard CD
APY
4.25%
Min
$10,000
Max
$25k

Synchrony Bank
6-month CD
APY
4.25%
Min
$1
Max
-

TAB Bank
6-month CD
APY
4.25%
Min
$1,000
Max
-

TAB Bank
6-month Business CD
APY
4.25%
Min
$1,000
Max
-

CIT Bank
6-Month CD
APY
4.15%
Min
$1,000
Max
-

Luana Savings Bank
6-month Jumbo CD
APY
4.09%
Min
$100,000
Max
-

TIAA Bank
6-Month Basic CD
APY
4.00%
Min
$1,000
Max
-

Ponce Bank
6-month High Yield CD via SaveBetter
APY
4.00%
Min
$1
Max
-

Luana Savings Bank
6-Month CD
APY
3.94%
Min
$2,000
Max
$100k

Marcus by Goldman Sachs
6-month CD
APY
3.90%
Min
$500
Max
$1,000k

Quontic Bank
6-month CD
APY
3.75%
Min
$500
Max
-

NexBank
6-month Online Jumbo CD
APY
3.60%
Min
$100,000
Max
$5,000k

NexBank
6-month Online CD
APY
3.55%
Min
$25,000
Max
$100k

HSBC
6-months Online CD
APY
3.50%
Min
$1,000
Max
$2,000k

United Texas Bank
6-month CD
APY
3.50%
Min
$1,000
Max
-

United Texas Bank
6-month Business CD
APY
3.50%
Min
$1,000
Max
-

Ally Bank
6-Month High Yield CD
APY
3.40%
Min
$1
Max
-

Discover Bank
6-month IRA CD
APY
3.40%
Min
$2,500
Max
-

Discover Bank
6-month High Yield CD
APY
3.40%
Min
$2,500
Max
-

Capital One Bank
360 6-month CD
APY
3.30%
Min
$1
Max
-

La Capitol Federal Credit Union
6-month Share Certificate
APY
3.25%
Min
$2,500
Max
-

Chevron Federal Credit Union
6-months Share Certificate
APY
3.15%
Min
$500
Max
-

Spectrum Credit Union
6-months Share Certificate
APY
3.15%
Min
$500
Max
-

United States Senate Federal Credit Union
6-11 months Plus Jumbo Business CD
APY
3.10%
Min
$200,000
Max
-

United States Senate Federal Credit Union
6-11 months Plus Jumbo CD
APY
3.10%
Min
$200,000
Max
-

United States Senate Federal Credit Union
6-11 months Jumbo CD
APY
3.05%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union
6-11 months Jumbo Business CD
APY
3.05%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union
6-11 months CD
APY
2.99%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union
6-11 months Business CD
APY
2.99%
Min
$1,000
Max
$100k

Teachers Federal Credit Union
6-month Jumbo CD
APY
2.75%
Min
$100,000
Max
-

INSBANK
6-months CD
APY
2.52%
Min
$2,500
Max
-

General Electric Credit Union
6-month CD
APY
2.50%
Min
-
Max
-

Fort Bragg Federal Credit Union
6-months Share Certificate
APY
2.00%
Min
$500
Max
-

XCEL Federal Credit Union
6-months CD
APY
2.00%
Min
$500
Max
-

Credit Union of the Rockies
6-month CD
APY
1.90%
Min
$500
Max
-

Credit Union of the Rockies
6-month Baby-Jumbo CD
APY
1.90%
Min
$50,000
Max
-

Zeal Credit Union
6-months Jumbo CD
APY
1.80%
Min
$100,000
Max
-

Zeal Credit Union
6-months CD
APY
1.70%
Min
$25,000
Max
$100k

Zeal Credit Union
6-months CD
APY
1.60%
Min
$1,000
Max
$25k

Bank Financial
6-month CD
APY
1.50%
Min
$1,000
Max
-

Bank Financial
6-month Business CD
APY
1.50%
Min
$1,000
Max
-

Bank Financial
Goal Setter 6-month CD
APY
1.50%
Min
$1,000
Max
-

Liberty Federal Credit Union
6-month CD
APY
1.45%
Min
$1,000
Max
-

Bank Financial
Kids 6-month CD
APY
1.40%
Min
$500
Max
-

TIAA Bank
6-month Business CD
APY
1.25%
Min
$1,500
Max
-

Citibank
6-month Fixed Rate CD
APY
1.10%
Min
$500
Max
-

American Bank
182-day CD
APY
1.01%
Min
$500
Max
-

American Bank
182-day Business CD
APY
1.01%
Min
$500
Max
-

USALLIANCE Financial
6-month CD
APY
1.00%
Min
$500
Max
-

Abound Credit Union
6-month CD
APY
1.00%
Min
$500
Max
-

Abound Credit Union
6-month Business CD
APY
1.00%
Min
$500
Max
-

American First Credit Union
6-month CD
APY
0.70%
Min
$1,000
Max
-

Bank Financial
Goal Setter 6-month CD
APY
0.50%
Min
$25
Max
$1k

Affinity Plus Federal Credit Union
6-month CD
APY
0.35%
Min
$500
Max
-

Continental Bank
180-Day High Yield CD
APY
0.35%
Min
$25,000
Max
-

ConnectOne Bank
6-month CD
APY
0.25%
Min
$500
Max
-

Nationwide by Axos Bank
6-month CD
APY
0.20%
Min
$500
Max
-

BMO Harris Bank
6-month Standard CD*
APY
0.20%
Min
$1,000
Max
-

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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Featured High Yield Bank Accounts

12-month CD via SaveBetter
APY: 5.01%

27-month CD via SaveBetter
APY: 5.15%
12-month No Penalty CD via SaveBetter
APY: 4.60%

Preferred Savings
APY: 5.02%

 

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Rate Disclosure

We work hard to make sure the information on this site is accurate. There is no guarantee, however, that it is. So please confirm rates, terms, and all other information directly with the bank, credit union, credit card issuer, or other financial institution before opening an account or otherwise making a financial decision.

About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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