Highest 6-Month CD Rates
Compare 6-Month CD rates from 105 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:4.00-4.20% APYFDIC or NCUA Insured

141 active 6-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 6-Month CD Rates

Ordered by highest APY. Showing the top 50 of 141 6-month cd products tracked across 105 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 45 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Happen Bank 6-Month CD Term: 6 months	4.20%APY Verified: Aug 20, 2026 Access: Online only	$500
#2	Popular Direct 6 Months Term: 6 months	4.15%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#3	Synchrony Bank 6 Month CD Term: 6 months	4.10%APY Verified: Aug 21, 2026 Access: Online only	$0
#4	Climate First Bank 6-Month CD Term: 6 months	4.07%APY Verified: Aug 21, 2026 Access: Branch access	$500
#5	E*TRADE from Morgan Stanley 6-Month Certificates of Deposit Term: 6 months	4.05%APY Verified: Aug 21, 2026 Access: Online only	$0
#6	Bank5 Connect 6-Month CD Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$500
#7	Bread Savings 6-Month CD Term: 6 months	4.00%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#8	Colorado Federal Savings Bank 6-Month CD Term: 6 months	4.00%APY Verified: Aug 20, 2026 Access: Online only	$5,000
#9	Exchange State Bank 6 Months CD Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#10	Farmers & Merchants State Bank 6 Month CD Special Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$500
#11	Newtek Bank 6-Month CD Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#12	Newtek Bank 6-Month CD Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#13	Northeast Bank 6-Month CD Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#14	Poppy Bank 6-Month IRA CD Term: 6 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#15	Marcus by Goldman Sachs 6-Month CD Term: 6 months	3.95%APY Verified: Aug 21, 2026 Access: Online only	$500
#16	Prime Alliance Bank 6-Month Business CD Term: 6 months	3.95%APY Verified: Aug 19, 2026 Access: Branch access	$500
#17	The Napoleon State Bank 182-Day CD Term: 6 months	3.95%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#18	Bask Bank 6-Month Term: 6 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#19	Global Bank 6-Month Certificate of Deposit Term: 6 months	3.90%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#20	Live Oak Bank 6-Month Personal CD Term: 6 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#21	Live Oak Bank 6-Month Business CD Term: 6 months	3.90%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#22	FinWise Bank 6-Month Certificate Term: 6 months	3.85%APY Verified: Aug 16, 2026 Access: Branch access	$500
#23	Vio Bank 6-Month Online Certificate of Deposit CD Term: 6 months	3.85%APY Verified: Aug 20, 2026 Access: Online only	$500
#24	Waterman Bank 6 Month Term: 6 months	3.82%APY Verified: Aug 21, 2026 Access: Branch access	$0
#25	F&M Bank and Trust Company 6 Month CD Special Term: 6 months	3.80%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#26	First State Bank of Campbell Hill 182-Day Certificates of Deposits Term: 6 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$500
#27	FirstBank of Nebraska 6 Month CD Term: 6 months	3.80%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#28	Farmers State Bank 182 Day CD Jumbo Term: 6 months	3.76%APY Verified: Aug 19, 2026 Access: Branch access	$50,000
#29	CIT Bank 6-Month CD Term: 6 months	3.75%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#30	First Community Bank of Hillsboro 6 Month CD Term: 6 months	3.75%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#31	First Community Bank of Hillsboro 6 Month IRA Term: 6 months	3.75%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#32	Ivy Bank 6-Month High-Yield Certificate of Deposit Term: 6 months	3.75%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#33	EverBank 6-Month Term: 6 months	3.70%APY Verified: Aug 21, 2026 Access: Branch access	$1,500
#34	Flagstar Bank 6-Month CD Term: 6 months	3.70%APY Verified: Aug 19, 2026 Access: Branch access	$2,500
#35	RBMAX 6-Month Available CDs Term: 6 months	3.70%APY Verified: Aug 19, 2026 Access: Online only	$1,000
#36	Farm Bureau Bank FSB 6 Month CD Term: 6 months	3.65%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#37	First Exchange Bank 182 Day Special CD Term: 6 months	3.65%APY Verified: Aug 15, 2026 Access: Branch access	$2,500
#38	First Federal Bank of Kansas City 6-Month CD Term: 6 months	3.65%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#39	State Bank of Graymont 182 Day CD Term: 6 months	3.65%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#40	Ballston Spa National Bank 6 Month CD/IRA Term: 6 months	3.60%APY Verified: Aug 19, 2026 Access: Branch access	$10,000
#41	EverBank 6-Month CD Term: 6 months	3.60%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#42	First Federal Savings and Loan Association of Lakewood 6-Month CD Special Term: 6 months	3.60%APY Verified: Aug 21, 2026 Access: Branch access	$500
#43	Gateway Bank 6 Month CD Term: 6 months	3.60%APY Verified: Aug 16, 2026 Access: Branch access	N/A
#44	Carver Bank 182 Day CD Term: 6 months	3.59%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#45	CIBC Bank USA 6-Month Agility CD Term: 6 months	3.56%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#46	MutualOne Bank 6-Month CD Special Term: 6 months	3.56%APY Verified: Aug 21, 2026 Access: Branch access	$500
#47	UNICO Bank 6 MO Term: 6 months	3.56%APY Verified: Aug 19, 2026 Access: Branch access	$50
#48	Customers Bank 6-Month CD Term: 6 months	3.55%APY Verified: Aug 19, 2026 Access: Branch access	$500
#49	First Exchange Bank 182 Day CD Term: 6 months	3.55%APY Verified: Aug 15, 2026 Access: Branch access	$500
#50	First Federal Savings and Loan Association of McMinnville 6 Month CD Term: 6 months	3.55%APY Verified: Aug 15, 2026 Access: Branch access	$500

Happen Bank

6-Month CD

Term: 6 months

4.20%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

Popular Direct

6 Months

Term: 6 months

4.15%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

Synchrony Bank

6 Month CD

Term: 6 months

4.10%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Climate First Bank

6-Month CD

Term: 6 months

4.07%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

E*TRADE from Morgan Stanley

6-Month Certificates of Deposit

Term: 6 months

4.05%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Bank5 Connect

6-Month CD

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

Bread Savings

6-Month CD

Term: 6 months

4.00%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

Colorado Federal Savings Bank

6-Month CD

Term: 6 months

4.00%

APY

Verified: Aug 20, 2026

Min Deposit

$5,000

Access

Online only

Exchange State Bank

6 Months CD

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#10

Farmers & Merchants State Bank

6 Month CD Special

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#11

Newtek Bank

6-Month CD

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#12

Newtek Bank

6-Month CD

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#13

Northeast Bank

6-Month CD

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#14

Poppy Bank

6-Month IRA CD

Term: 6 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#15

Marcus by Goldman Sachs

6-Month CD

Term: 6 months

3.95%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#16

Prime Alliance Bank

6-Month Business CD

Term: 6 months

3.95%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#17

The Napoleon State Bank

182-Day CD

Term: 6 months

3.95%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#18

Bask Bank

6-Month

Term: 6 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#19

Global Bank

6-Month Certificate of Deposit

Term: 6 months

3.90%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#20

Live Oak Bank

6-Month Personal CD

Term: 6 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#21

Live Oak Bank

6-Month Business CD

Term: 6 months

3.90%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#22

FinWise Bank

6-Month Certificate

Term: 6 months

3.85%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#23

Vio Bank

6-Month Online Certificate of Deposit CD

Term: 6 months

3.85%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

#24

Waterman Bank

6 Month

Term: 6 months

3.82%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Branch access

#25

F&M Bank and Trust Company

6 Month CD Special

Term: 6 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#26

First State Bank of Campbell Hill

182-Day Certificates of Deposits

Term: 6 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#27

FirstBank of Nebraska

6 Month CD

Term: 6 months

3.80%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#28

Farmers State Bank

182 Day CD Jumbo

Term: 6 months

3.76%

APY

Verified: Aug 19, 2026

Min Deposit

$50,000

Access

Branch access

#29

CIT Bank

6-Month CD

Term: 6 months

3.75%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#30

First Community Bank of Hillsboro

6 Month CD

Term: 6 months

3.75%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#31

First Community Bank of Hillsboro

6 Month IRA

Term: 6 months

3.75%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#32

Ivy Bank

6-Month High-Yield Certificate of Deposit

Term: 6 months

3.75%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#33

EverBank

6-Month

Term: 6 months

3.70%

APY

Verified: Aug 21, 2026

Min Deposit

$1,500

Access

Branch access

#34

Flagstar Bank

6-Month CD

Term: 6 months

3.70%

APY

Verified: Aug 19, 2026

Min Deposit

$2,500

Access

Branch access

#35

RBMAX

6-Month Available CDs

Term: 6 months

3.70%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Online only

#36

Farm Bureau Bank FSB

6 Month CD

Term: 6 months

3.65%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#37

First Exchange Bank

182 Day Special CD

Term: 6 months

3.65%

APY

Verified: Aug 15, 2026

Min Deposit

$2,500

Access

Branch access

#38

First Federal Bank of Kansas City

6-Month CD

Term: 6 months

3.65%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#39

State Bank of Graymont

182 Day CD

Term: 6 months

3.65%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#40

Ballston Spa National Bank

6 Month CD/IRA

Term: 6 months

3.60%

APY

Verified: Aug 19, 2026

Min Deposit

$10,000

Access

Branch access

#41

EverBank

6-Month CD

Term: 6 months

3.60%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#42

First Federal Savings and Loan Association of Lakewood

6-Month CD Special

Term: 6 months

3.60%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#43

Gateway Bank

6 Month CD

Term: 6 months

3.60%

APY

Verified: Aug 16, 2026

Min Deposit

N/A

Access

Branch access

#44

Carver Bank

182 Day CD

Term: 6 months

3.59%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#45

CIBC Bank USA

6-Month Agility CD

Term: 6 months

3.56%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#46

MutualOne Bank

6-Month CD Special

Term: 6 months

3.56%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#47

UNICO Bank

6 MO

Term: 6 months

3.56%

APY

Verified: Aug 19, 2026

Min Deposit

$50

Access

Branch access

#48

Customers Bank

6-Month CD

Term: 6 months

3.55%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#49

First Exchange Bank

182 Day CD

Term: 6 months

3.55%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#50

First Federal Savings and Loan Association of McMinnville

6 Month CD

Term: 6 months

3.55%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access