Best 6-Month CD Rates (September 2023)

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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.

Featured 6-Month CDs

Bank/Credit Union

Min. Deposit

6-Month CD APY

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5.41%

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5.40%

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$1000

5.00%

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6-Month CD Rates

94 Results

NexBank
6-month Online CD

APY
5.50%

Min
$25,000

Max
$100k

NexBank
6-month Online Jumbo CD

APY
5.50%

Min
$100,000

Max
$5,000k

Signature Federal Credit Union
6-month CD

APY
5.50%

Min
$500

Max
-

Newtek Bank
6-month CD

APY
5.50%

Min
$2,500

Max
$250k

Western Alliance Bank
6-month CD via Raisin

APY
5.41%

Min
$1

Max
-

Oklahoma State Bank
6-month CD via Raisin

APY
5.40%

Min
$1

Max
-

Popular Direct
6-month CD

APY
5.35%

Min
$10,000

Max
-

America First Credit Union
6-11 months CD

APY
5.30%

Min
$500

Max
-

Luana Savings Bank
6-month Jumbo CD

APY
5.27%

Min
$100,000

Max
-

NexBank
6-month Standard CD

APY
5.25%

Min
$10,000

Max
$25k

Colorado Federal Savings Bank
6-month CD

APY
5.25%

Min
$5,000

Max
-

Rising Bank
6-Month CD

APY
5.25%

Min
$1,000

Max
$1,000k

First Internet Bank
6-month High Yield CD

APY
5.22%

Min
$1,000

Max
-

Live Oak Bank
6-month CD

APY
5.20%

Min
$2,500

Max
$250k

Live Oak Bank
6-month Business CD

APY
5.20%

Min
$2,500

Max
$250k

mph.bank
6-month No-Penalty CD via Raisin

APY
5.20%

Min
$1

Max
-

America First Credit Union
6-11 months Bump-Rate CD

APY
5.15%

Min
$500

Max
-

Luana Savings Bank
6-Month CD

APY
5.11%

Min
$2,000

Max
$100k

Quontic Bank
6-month CD

APY
5.05%

Min
$500

Max
-

TAB Bank
6-month CD

APY
5.02%

Min
$1,000

Max
-

TAB Bank
6-month Business CD

APY
5.02%

Min
$1,000

Max
-

American Bank
182-day CD

APY
5.00%

Min
$500

Max
-

American Bank
182-day Business CD

APY
5.00%

Min
$500

Max
-

CIT Bank
6-Month CD

APY
5.00%

Min
$1,000

Max
-

Teachers Federal Credit Union
6-month CD

APY
5.00%

Min
$1,000

Max
$100k

Banesco USA
BaneSmart 6-Month CD

APY
5.00%

Min
$1,500

Max
-

Synchrony Bank
6-month CD

APY
4.90%

Min
$1

Max
-

Marcus by Goldman Sachs
6-month CD

APY
4.90%

Min
$500

Max
$1,000k

Affinity Plus Federal Credit Union
6-month CD

APY
4.75%

Min
$500

Max
-

Alliant Credit Union
6-month Jumbo CD

APY
4.75%

Min
$1,000

Max
-

Alliant Credit Union
6-month CD

APY
4.75%

Min
$1,000

Max
-

United States Senate Federal Credit Union
6-months Plus Jumbo Business CD

APY
4.71%

Min
$200,000

Max
-

United States Senate Federal Credit Union
6-months Plus Jumbo CD

APY
4.70%

Min
$200,000

Max
-

United States Senate Federal Credit Union
6-months Jumbo CD

APY
4.65%

Min
$100,000

Max
$200k

United States Senate Federal Credit Union
6-months Jumbo Business CD

APY
4.65%

Min
$100,000

Max
$200k

UmbrellaBank
6-month CD

APY
4.60%

Min
$10,000

Max
-

United States Senate Federal Credit Union
6-months CD

APY
4.60%

Min
$1,000

Max
$100k

United States Senate Federal Credit Union
6-months Business CD

APY
4.60%

Min
$1,000

Max
$100k

Capital One Bank
360 6-month CD

APY
4.30%

Min
$1

Max
-

HSBC
6-months Online CD

APY
4.25%

Min
$1,000

Max
$2,000k

Chevron Federal Credit Union
6-months Share Certificate

APY
4.25%

Min
$500

Max
-

Spectrum Credit Union
6-months Share Certificate

APY
4.25%

Min
$500

Max
-

NASA Federal Credit Union
6-month CD

APY
4.25%

Min
$1,000

Max
-

EverBank
6-month Business CD

APY
4.00%

Min
$1,500

Max
-

EverBank
6-Month CD

APY
4.00%

Min
$1,000

Max
-

Ponce Bank
6-month High Yield CD via Raisin

APY
4.00%

Min
$1

Max
-

Ponce Bank
6-month CD

APY
3.80%

Min
$500

Max
-

Seattle Bank
6-month CD

APY
3.75%

Min
$1,000

Max
$220k

Fort Liberty Federal Credit Union
6-months Share Certificate

APY
3.70%

Min
$500

Max
-

Ally Bank
6-Month High Yield CD

APY
3.50%

Min
$1

Max
-

La Capitol Federal Credit Union
6-month Share Certificate

APY
3.50%

Min
$2,500

Max
-

Magnifi Financial
6-month Jumbo CD

APY
3.50%

Min
$150,000

Max
-

UNIFY Financial Credit Union
6-month CD

APY
3.50%

Min
$1,000

Max
-

UNIFY Financial Credit Union
6-month CD

APY
3.50%

Min
$40,000

Max
-

UNIFY Financial Credit Union
6-month Jumbo CD

APY
3.50%

Min
$100,000

Max
-

Discover Bank
6-month IRA CD

APY
3.40%

Min
$2,500

Max
-

Magnifi Financial
6-month Jumbo CD

APY
3.40%

Min
$100,000

Max
$150k

Discover Bank
6-month High Yield CD

APY
3.40%

Min
$2,500

Max
-

Virtual Bank
6-month CD

APY
3.35%

Min
-

Max
-

Magnifi Financial
6-month CD

APY
3.35%

Min
$50,000

Max
$100k

Magnifi Financial
6-month CD

APY
3.30%

Min
$25,000

Max
$50k

Magnifi Financial
6-month CD

APY
3.25%

Min
$500

Max
$50k

Credit Union of the Rockies
6-month CD

APY
3.00%

Min
$500

Max
-

Credit Union of the Rockies
6-month Baby-Jumbo CD

APY
3.00%

Min
$50,000

Max
-

Teachers Federal Credit Union
6-month Jumbo CD

APY
2.75%

Min
$100,000

Max
-

Finworth
6-months CD

APY
2.52%

Min
$50,000

Max
$240k

NuVision Credit Union
6-month Jumbo CD

APY
2.35%

Min
$100,000

Max
-

NuVision Credit Union
6-month CD

APY
2.30%

Min
$50,000

Max
-

NuVision Credit Union
6-month CD

APY
2.25%

Min
$25,000

Max
-

NuVision Credit Union
6-month CD

APY
2.20%

Min
$1,000

Max
-

Thrivent Credit Union
6-month CD

APY
2.00%

Min
$1,000

Max
-

XCEL Federal Credit Union
6-months CD

APY
2.00%

Min
$500

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

Amerant Bank
6-month Online CD

APY
1.50%

Min
$500

Max
$250k

Langley Federal Credit Union
6-month CD

APY
1.50%

Min
$100

Max
-

Amerant Bank
6-month Online CD

APY
1.50%

Min
$500

Max
$250k

MainStreet Bank
6-month CD

APY
1.50%

Min
$500

Max
-

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
-

MainStreet Bank
6-month Business CD

APY
1.50%

Min
$500

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
-

Citibank
6-month Fixed Rate CD

APY
1.10%

Min
$500

Max
-

USALLIANCE Financial
6-month CD

APY
1.00%

Min
$500

Max
-

American First Credit Union
6-month CD

APY
0.70%

Min
$1,000

Max
-

Third Federal Savings & Loan
6-months CD

APY
0.50%

Min
$50

Max
-

Bank Financial
Goal Setter 6-month CD

APY
0.50%

Min
$25

Max
$1k

Northpointe Bank
92-182 days CD

APY
0.35%

Min
$1,000

Max
-

Continental Bank
180-Day High Yield CD

APY
0.35%

Min
$25,000

Max
-

Nationwide by Axos Bank
6-month CD

APY
0.20%

Min
$500

Max
-

BMO Harris Bank
6-month Standard CD*

APY
0.05%

Min
$1,000

Max
-

Author

Rob Berger

Rob Berger is the founder of Dough Roller and the Dough Roller Money Podcast. A former securities law attorney and Forbes deputy editor, Rob is the author of the book Retire Before Mom and Dad. He educates independent investors on his YouTube channel and at RobBerger.com.

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