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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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$1

5.41%

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$1

5.40%

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$1000

5.00%

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No-penalty | 3-Month | 6-Month | 1-Year | 2-year | 3-year | 4-year | 5-year

6-Month CD Rates

97 Results

NexBank 6-month Online CD
NexBank
6-month Online CD
APY
5.50%
Min
$25,000
Max
$100k
NexBank 6-month Online Jumbo CD
NexBank
6-month Online Jumbo CD
APY
5.50%
Min
$100,000
Max
$5,000k
Signature Federal Credit Union 6-month CD
Signature Federal Credit Union
6-month CD
APY
5.50%
Min
$500
Max
-
Newtek Bank 6-month CD
Newtek Bank
6-month CD
APY
5.50%
Min
$2,500
Max
$250k
Western Alliance Bank 6-month CD via Raisin
Western Alliance Bank
6-month CD via Raisin
APY
5.41%
Min
$1
Max
-
Oklahoma State Bank 6-month CD via Raisin
Oklahoma State Bank
6-month CD via Raisin
APY
5.40%
Min
$1
Max
-
Popular Direct 6-month CD
Popular Direct
6-month CD
APY
5.35%
Min
$10,000
Max
-
America First Credit Union 6-11 months CD
America First Credit Union
6-11 months CD
APY
5.30%
Min
$500
Max
-
NexBank 6-month Standard CD
NexBank
6-month Standard CD
APY
5.25%
Min
$10,000
Max
$25k
Colorado Federal Savings Bank 6-month CD
Colorado Federal Savings Bank
6-month CD
APY
5.25%
Min
$5,000
Max
-
Rising Bank 6-Month CD
Rising Bank
6-Month CD
APY
5.25%
Min
$1,000
Max
$1,000k
First Internet Bank 6-month High Yield CD
First Internet Bank
6-month High Yield CD
APY
5.22%
Min
$1,000
Max
-
Luana Savings Bank 6-month Jumbo CD
Luana Savings Bank
6-month Jumbo CD
APY
5.22%
Min
$100,000
Max
-
mph.bank 6-month No-Penalty CD via Raisin
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
America First Credit Union
6-11 months Bump-Rate CD
APY
5.15%
Min
$500
Max
-
Luana Savings Bank 6-Month CD
Luana Savings Bank
6-Month CD
APY
5.06%
Min
$2,000
Max
$100k
Quontic Bank 6-month CD
Quontic Bank
6-month CD
APY
5.05%
Min
$500
Max
-
TAB Bank 6-month CD
TAB Bank
6-month CD
APY
5.02%
Min
$1,000
Max
-
TAB Bank 6-month Business CD
TAB Bank
6-month Business CD
APY
5.02%
Min
$1,000
Max
-
American Bank 182-day CD
American Bank
182-day CD
APY
5.00%
Min
$500
Max
-
American Bank 182-day Business CD
American Bank
182-day Business CD
APY
5.00%
Min
$500
Max
-
CIT Bank 6-Month CD
CIT Bank
6-Month CD
APY
5.00%
Min
$1,000
Max
-
Live Oak Bank 6-month CD
Live Oak Bank
6-month CD
APY
5.00%
Min
$2,500
Max
$250k
Live Oak Bank 6-month Business CD
Live Oak Bank
6-month Business CD
APY
5.00%
Min
$2,500
Max
$250k
Teachers Federal Credit Union 6-month CD
Teachers Federal Credit Union
6-month CD
APY
5.00%
Min
$1,000
Max
$100k
Banesco USA BaneSmart 6-Month CD
Banesco USA
BaneSmart 6-Month CD
APY
5.00%
Min
$1,500
Max
-
Synchrony Bank 6-month CD
Synchrony Bank
6-month CD
APY
4.90%
Min
$1
Max
-
Marcus by Goldman Sachs 6-month CD
Marcus by Goldman Sachs
6-month CD
APY
4.90%
Min
$500
Max
$1,000k
NASA Federal Credit Union 6-month CD
NASA Federal Credit Union
6-month CD
APY
4.80%
Min
$1,000
Max
-
Affinity Plus Federal Credit Union 6-month CD
Affinity Plus Federal Credit Union
6-month CD
APY
4.75%
Min
$500
Max
-
Alliant Credit Union 6-month Jumbo CD
Alliant Credit Union
6-month Jumbo CD
APY
4.75%
Min
$1,000
Max
-
Alliant Credit Union 6-month CD
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
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
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
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
United States Senate Federal Credit Union
6-months Jumbo Business CD
APY
4.65%
Min
$100,000
Max
$200k
Newtek Bank 6-month Business CD
Newtek Bank
6-month Business CD
APY
4.60%
Min
$2,500
Max
$250k
UmbrellaBank 6-month CD
UmbrellaBank
6-month CD
APY
4.60%
Min
$10,000
Max
-
United States Senate Federal Credit Union 6-months CD
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
United States Senate Federal Credit Union
6-months Business CD
APY
4.60%
Min
$1,000
Max
$100k
United Texas Bank 6-month CD
United Texas Bank
6-month CD
APY
4.40%
Min
$1,000
Max
-
United Texas Bank 6-month Business CD
United Texas Bank
6-month Business CD
APY
4.40%
Min
$1,000
Max
-
Capital One Bank 360 6-month CD
Capital One Bank
360 6-month CD
APY
4.30%
Min
$1
Max
-
HSBC 6-months Online CD
HSBC
6-months Online CD
APY
4.25%
Min
$1,000
Max
$2,000k
Chevron Federal Credit Union 6-months Share Certificate
Chevron Federal Credit Union
6-months Share Certificate
APY
4.25%
Min
$500
Max
-
Spectrum Credit Union 6-months Share Certificate
Spectrum Credit Union
6-months Share Certificate
APY
4.25%
Min
$500
Max
-
EverBank 6-month Business CD
EverBank
6-month Business CD
APY
4.00%
Min
$1,500
Max
-
EverBank 6-Month CD
EverBank
6-Month CD
APY
4.00%
Min
$1,000
Max
-
Ponce Bank 6-month High Yield CD via Raisin
Ponce Bank
6-month High Yield CD via Raisin
APY
4.00%
Min
$1
Max
-
Ponce Bank 6-month CD
Ponce Bank
6-month CD
APY
3.80%
Min
$500
Max
-
Fort Liberty Federal Credit Union 6-months Share Certificate
Fort Liberty Federal Credit Union
6-months Share Certificate
APY
3.70%
Min
$500
Max
-
Ally Bank 6-Month High Yield CD
Ally Bank
6-Month High Yield CD
APY
3.50%
Min
$1
Max
-
Seattle Bank 6-month CD
Seattle Bank
6-month CD
APY
3.50%
Min
$1,000
Max
$220k
La Capitol Federal Credit Union 6-month Share Certificate
La Capitol Federal Credit Union
6-month Share Certificate
APY
3.50%
Min
$2,500
Max
-
Magnifi Financial 6-month Jumbo CD
Magnifi Financial
6-month Jumbo CD
APY
3.50%
Min
$150,000
Max
-
UNIFY Financial Credit Union 6-month CD
UNIFY Financial Credit Union
6-month CD
APY
3.50%
Min
$1,000
Max
-
UNIFY Financial Credit Union 6-month CD
UNIFY Financial Credit Union
6-month CD
APY
3.50%
Min
$40,000
Max
-
UNIFY Financial Credit Union 6-month Jumbo CD
UNIFY Financial Credit Union
6-month Jumbo CD
APY
3.50%
Min
$100,000
Max
-
Discover Bank 6-month IRA CD
Discover Bank
6-month IRA CD
APY
3.40%
Min
$2,500
Max
-
Magnifi Financial 6-month Jumbo CD
Magnifi Financial
6-month Jumbo CD
APY
3.40%
Min
$100,000
Max
$150k
Discover Bank 6-month High Yield CD
Discover Bank
6-month High Yield CD
APY
3.40%
Min
$2,500
Max
-
Virtual Bank 6-month CD
Virtual Bank
6-month CD
APY
3.35%
Min
-
Max
-
Magnifi Financial 6-month CD
Magnifi Financial
6-month CD
APY
3.35%
Min
$50,000
Max
$100k
Magnifi Financial 6-month CD
Magnifi Financial
6-month CD
APY
3.30%
Min
$25,000
Max
$50k
Magnifi Financial 6-month CD
Magnifi Financial
6-month CD
APY
3.25%
Min
$500
Max
$50k
Credit Union of the Rockies 6-month CD
Credit Union of the Rockies
6-month CD
APY
3.00%
Min
$500
Max
-
Credit Union of the Rockies 6-month Baby-Jumbo CD
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
Teachers Federal Credit Union
6-month Jumbo CD
APY
2.75%
Min
$100,000
Max
-
Finworth 6-months CD
Finworth
6-months CD
APY
2.52%
Min
$50,000
Max
$240k
NuVision Credit Union 6-month Jumbo CD
NuVision Credit Union
6-month Jumbo CD
APY
2.35%
Min
$100,000
Max
-
NuVision Credit Union 6-month CD
NuVision Credit Union
6-month CD
APY
2.30%
Min
$50,000
Max
-
NuVision Credit Union 6-month CD
NuVision Credit Union
6-month CD
APY
2.25%
Min
$25,000
Max
-
NuVision Credit Union 6-month CD
NuVision Credit Union
6-month CD
APY
2.20%
Min
$1,000
Max
-
Thrivent Credit Union 6-month CD
Thrivent Credit Union
6-month CD
APY
2.00%
Min
$1,000
Max
-
XCEL Federal Credit Union 6-months CD
XCEL Federal Credit Union
6-months CD
APY
2.00%
Min
$500
Max
-
Zeal Credit Union 6-months Jumbo CD
Zeal Credit Union
6-months Jumbo CD
APY
1.80%
Min
$100,000
Max
-
Zeal Credit Union 6-months CD
Zeal Credit Union
6-months CD
APY
1.70%
Min
$25,000
Max
$100k
Zeal Credit Union 6-months CD
Zeal Credit Union
6-months CD
APY
1.60%
Min
$1,000
Max
$25k
Amerant Bank 6-month Online CD
Amerant Bank
6-month Online CD
APY
1.50%
Min
$500
Max
$250k
Langley Federal Credit Union 6-month CD
Langley Federal Credit Union
6-month CD
APY
1.50%
Min
$100
Max
-
Amerant Bank 6-month Online CD
Amerant Bank
6-month Online CD
APY
1.50%
Min
$500
Max
$250k
MainStreet Bank 6-month CD
MainStreet Bank
6-month CD
APY
1.50%
Min
$500
Max
-
Bank Financial 6-month CD
Bank Financial
6-month CD
APY
1.50%
Min
$1,000
Max
-
Bank Financial 6-month Business CD
Bank Financial
6-month Business CD
APY
1.50%
Min
$1,000
Max
-
Bank Financial Goal Setter 6-month CD
Bank Financial
Goal Setter 6-month CD
APY
1.50%
Min
$1,000
Max
-
MainStreet Bank 6-month Business CD
MainStreet Bank
6-month Business CD
APY
1.50%
Min
$500
Max
-
Liberty Federal Credit Union 6-month CD
Liberty Federal Credit Union
6-month CD
APY
1.45%
Min
$1,000
Max
-
Bank Financial Kids 6-month CD
Bank Financial
Kids 6-month CD
APY
1.40%
Min
$500
Max
-
Citibank 6-month Fixed Rate CD
Citibank
6-month Fixed Rate CD
APY
1.10%
Min
$500
Max
-
USALLIANCE Financial 6-month CD
USALLIANCE Financial
6-month CD
APY
1.00%
Min
$500
Max
-
American First Credit Union 6-month CD
American First Credit Union
6-month CD
APY
0.70%
Min
$1,000
Max
-
Third Federal Savings & Loan 6-months CD
Third Federal Savings & Loan
6-months CD
APY
0.50%
Min
$50
Max
-
Bank Financial Goal Setter 6-month CD
Bank Financial
Goal Setter 6-month CD
APY
0.50%
Min
$25
Max
$1k
Northpointe Bank 92-182 days CD
Northpointe Bank
92-182 days CD
APY
0.35%
Min
$1,000
Max
-
Continental Bank 180-Day High Yield CD
Continental Bank
180-Day High Yield CD
APY
0.35%
Min
$25,000
Max
-
Nationwide by Axos Bank 6-month CD
Nationwide by Axos Bank
6-month CD
APY
0.20%
Min
$500
Max
-
BMO Harris Bank 6-month Standard CD*
BMO Harris Bank
6-month Standard CD*
APY
0.05%
Min
$1,000
Max
-

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.