Best 6 months CD Rates
Compare 6 months certificate of deposit rates from FDIC-insured banks. Lock in a guaranteed return with no risk.
Last updated: April 15, 2026
| Bank | APY | Min. Deposit | Early Withdrawal Penalty | |
|---|---|---|---|---|
BestUnited Fidelity Bank, fsb | 4.20% | $0 | Varies | Visit → |
Pacific National Bank | 4.15% | $0 | Varies | Visit → |
Western Vista Federal Credit Union | 4.15% | $0 | Varies | Visit → |
Communitywide Federal Credit Union | 4.10% | $1 | Varies | Visit → |
Newtek Bank | 4.10% | $0 | Varies | Visit → |
Pen Air Credit Union | 4.10% | $500 | Varies | Visit → |
Popular Direct | 4.10% | $10 | Varies | Visit → |
Limelight Bank | 4.08% | $1 | Varies | Visit → |
E*TRADE from Morgan Stanley | 4.05% | $0 | Varies | Visit → |
Empeople Credit Union | 4.05% | $500 | Varies | Visit → |
First National Bank of America | 4.05% | $1 | Varies | Visit → |
First National Community Bank | 4.01% | $0 | Varies | Visit → |
AAA Banking | 4.00% | $500 | Varies | Visit → |
AmeriCU | 4.00% | $500 | Varies | Visit → |
Bread Savings | 4.00% | $1 | Varies | Visit → |
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CD Ladder Calculator →Frequently Asked Questions
What is the best 6 months CD rate right now?
The best 6 months CD rate is currently 4.20% from United Fidelity Bank, fsb. Rates are verified and updated regularly.
Is a 6 months CD a good investment?
A 6 months CD is a safe, FDIC-insured investment that locks in a guaranteed rate. Shorter-term CDs offer more flexibility with competitive rates.
What happens when my CD matures?
When your CD matures, you can withdraw your principal plus earned interest penalty-free. Most banks will auto-renew into a new CD at current rates if you take no action, so set a reminder.