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Highest 6-Month CD Rates
Compare 6-Month CD rates from 877 banks

By Aviel Fahl

Newest reading: October 5, 2026

Top 10 Rates:4.30-4.55% APYFDIC or NCUA Insured
1206 active 6-month cd products tracked. The count includes business, IRA and other CD types, and CDs whose term range covers 6 months.

Top 50 6-Month CD Rates

Ordered by highest APY. Showing the top 50 of 1206 6-month cd products tracked across 877 banks.

Newest reading: Monday, October 5, 2026

Top 50 CD terms from 40 banks,sorted by highest APY
#1
The Community State Bank

6 Month CD

Term: 6 months

4.55%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#2
Habib American Bank

6 Month CD

Term: 6 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#3
Bank of Deerfield

6 Month

Term: 6 months

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#4
Bank of Deerfield

6 Month IRA

Term: 6 months

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#5
Popular Direct

6 Months

Term: 6 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

None

#6
Raymond James Bank

6 Month CD

Term: 6 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#7
Climate First Bank

6-Month CD

Term: 6 months

Available nationwide

4.33%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#8
DR Bank

6 Month CD

Term: 6 months

4.30%
APY
Observed: Oct 2, 2026
Min Deposit

$500

Branches

Yes

#9
DR Bank

6 Month IRA CD

Term: 6 months

4.30%
APY
Observed: Oct 2, 2026
Min Deposit

N/A

Branches

Yes

#10
FreedomBank

182 Day CD

Term: 6 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#11
Credit One Bank, National Association

6 Month High Yield Jumbo CD

Term: 6 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$100,000

Branches

N/A

#12
Forward Bank

6 Month CD

Term: 6 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#13
Ivy Bank

6-Month High-Yield Certificate of Deposit

Term: 6 months

Available nationwide

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

None

#14
Peoples First Savings Bank

6-Month CD Special

Term: 6 months

4.25%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#15
Poppy Bank

6-Month IRA CD

Term: 6 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#16
Poppy Bank

6-Month CD

Term: 6 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#17
Riverside Bank of Dublin

6 Month CD

Term: 6 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#18
E*TRADE from Morgan Stanley

6-Month Certificates of Deposit

Term: 6 months

Available nationwide

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#19
EagleBank

6 Month CD

Term: 6 months

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#20
Frontier State Bank

6 Month CD

Term: 6 months

4.20%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#21
Happen Bank

6-Month CD

Term: 6 months

Available nationwide

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

None

#22
New OMNI Bank, National Association

6-Month CD ($100,000-$250,000)

Term: 6 months

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$100,000

Branches

Yes

#23
Unity Bank

6 Month CD Promo

Term: 6 months

4.20%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#24
New OMNI Bank, National Association

6-Month CD ($250,000.01 and Above)

Term: 6 months

4.17%
APY
Observed: Oct 5, 2026
Min Deposit

$250,000.01

Branches

Yes

#25
Argentine Federal Savings

6 Month CD

Term: 6 months

4.15%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#26
Argentine Federal Savings

6 Month IRA CD

Term: 6 months

4.15%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#27
Colorado Federal Savings Bank

6-Month CD

Term: 6 months

Available nationwide

4.15%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

None

#28
First Service Bank

6-Month CD

Term: 6 months

4.15%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

Yes

#29
The Bank of Herrin

Special 6 Month CD

Term: 6 months

4.15%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#30
TruBank

6-12 Month CD Special ($100,000 minimum)

Term: 6-12 months

4.15%
APY
Observed: Oct 3, 2026
Min Deposit

$100,000

Branches

Yes

#31
BankVista

6 Month CD

Term: 6 months

4.14%
APY
Observed: Oct 3, 2026
Min Deposit

N/A

Branches

N/A

#32
BankVista

6 Month IRA CD

Term: 6 months

4.14%
APY
Observed: Oct 3, 2026
Min Deposit

N/A

Branches

N/A

4.14%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

Yes

4.14%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#35
Enterprise Bank

6 Month CD

Term: 6 months

4.13%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

4.11%
APY
Observed: Oct 3, 2026
Min Deposit

$0

Branches

Yes

#37
Enterprise Bank

6 Month CD Special

Term: 6 months

4.10%
APY
Observed: Sep 30, 2026
Min Deposit

$10,000

Branches

Yes

#38
Live Oak Bank

6-Month Personal CD

Term: 6 months

Available nationwide

4.10%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

None

#39
Live Oak Bank

6-Month Business CD

Term: 6 months

Available nationwide

4.10%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

None

#40
New OMNI Bank, National Association

6-Month CD ($20,000-$49,999.99)

Term: 6 months

4.10%
APY
Observed: Oct 5, 2026
Min Deposit

$20,000

Branches

Yes

#41
New OMNI Bank, National Association

6-Month CD ($50,000-$99,999.99)

Term: 6 months

4.10%
APY
Observed: Oct 5, 2026
Min Deposit

$50,000

Branches

Yes

#42
Synchrony Bank

6 Month CD

Term: 6 months

Available nationwide

4.10%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#43
Walpole Co-operative Bank

6 Month Certificate

Term: 6 months

4.10%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

Yes

#44
Community Bank

6 Month Certificate of Deposit

Term: 6 months

4.08%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#45
Community Bank

6 Month IRA Certificate

Term: 6 months

4.08%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#46
Metz Banking Company

6 Month CD

Term: 6 months

4.08%
APY
Observed: Sep 30, 2026
Min Deposit

$2,000

Branches

Yes

#47
4.07%
APY
Observed: Sep 30, 2026
Min Deposit

$500

Branches

Yes

#48
Silex Banking Company

182 Day CD

Term: 6 months

4.07%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#49
Farmers and Merchants Bank

6-Month Certificate

Term: 6 months

4.06%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#50
The Dolores State Bank

Jumbo 6 Month Certificate of Deposit

Term: 6 months

4.06%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes