Best 6-month CD Rates - Verified & Updated July 2026

Today’s Best 6-Month CD Rates

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Best 6-month CD Rates :

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Looking for the best 6-month CDs? CD Valet tracks 6-month CD rates from across the country and updates them every day. Compare APYs, minimum deposits, and early withdrawal penalties so you can pick a short-term CD that balances safety, flexibility, and guaranteed returns.
Rate Methodology
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APYs shown below are accurate as of July 10, 2026 and are updated daily. We review offers from banks and credit unions across the U.S. to highlight the highest rates available for a 6-month CD. All institutions listed are FDIC- or NCUA insured.
Current 6-month CD Trends
3.39% APY*
CD Valet Partner Average
3.21% APY*
National Average
Looking for shorter or longer term rates? 12-Month CD Rates here
FINANCIAL INSTITUTIONS 
APY* sort
APY Info
Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.
TERM sort
MIN. DEPOSIT sort
 
Happen Bank
Happen Bank
APY Updated on 07/08/2026
3.90%
6 Mo
$500
Max: $500,000
APY*
3.90%
Term
6 Mo
Min.Deposit
$500
Updated: 07/08/2026
State Bank of India (California)
State Bank of India (California)
star5.0BauerFinancial Rating
APY Updated on 02/26/2026
3.85%
6 Mo
$1,000
Max: No Limit
State Bank of India (California)
State Bank of India (California)
star5.0BauerFinancial Rating
APY*
3.85%
Term
6 Mo
Min.Deposit
$1,000
Updated: 02/26/2026
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY Updated on 09/22/2025
3.75%
6 Mo
$100,000
Max: No Limit
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY*
3.75%
Term
6 Mo
Min.Deposit
$100,000
Updated: 09/22/2025
Community Savings
Community Savings
star5.0BauerFinancial Rating
APY Updated on 03/02/2026
3.75%
6 Mo
$1,000
Max: $500,000
Community Savings
Community Savings
star5.0BauerFinancial Rating
APY*
3.75%
Term
6 Mo
Min.Deposit
$1,000
Updated: 03/02/2026
6 Mo Special
American Bank of Freedom
American Bank of Freedom
star5.0BauerFinancial Rating
APY Updated on 07/06/2026
3.65%
6 Mo
$1,000
Max: $240,000
Restrictions  down
6 Mo Special
American Bank of Freedom
American Bank of Freedom
star5.0BauerFinancial Rating
APY*
3.65%
Term
6 Mo
Min.Deposit
$1,000
Updated: 07/06/2026
Restrictions  down
6 Mo Insured by NCUA
Alliant Credit Union
Alliant Credit Union
star4.0BauerFinancial Rating
APY Updated on 07/01/2026
3.60%
6 Mo
$1,000
Max: No Limit
6 Mo Insured by NCUA
Alliant Credit Union
Alliant Credit Union
star4.0BauerFinancial Rating
APY*
3.60%
Term
6 Mo
Min.Deposit
$1,000
Updated: 07/01/2026
Seattle Bank
Seattle Bank
star3.0BauerFinancial Rating
APY Updated on 07/31/2025
3.50%
6 Mo
$1,000
Max: No Limit
Seattle Bank
Seattle Bank
star3.0BauerFinancial Rating
APY*
3.50%
Term
6 Mo
Min.Deposit
$1,000
Updated: 07/31/2025
Barclays
Barclays
star4.0BauerFinancial Rating
APY Updated on 05/29/2026
3.50%
6 Mo
No Limit
Max: No Limit
Barclays
Barclays
star4.0BauerFinancial Rating
APY*
3.50%
Term
6 Mo
Min.Deposit
No Limit
Updated: 05/29/2026
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY Updated on 05/04/2026
3.30%
6 Mo
$500
Max: No Limit
Restrictions  down
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY*
3.30%
Term
6 Mo
Min.Deposit
$500
Updated: 05/04/2026
Restrictions  down
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY Updated on 09/22/2025
3.25%
6 Mo
$1,000
Max: $99,999.99
Integro Bank
Integro Bank
star3.0BauerFinancial Rating
APY*
3.25%
Term
6 Mo
Min.Deposit
$1,000
Updated: 09/22/2025
Old Dominion National Bank
Old Dominion National Bank
star5.0BauerFinancial Rating
APY Updated on 06/11/2026
3.25%
6 Mo
$500
Max: No Limit
Restrictions  down
Old Dominion National Bank
Old Dominion National Bank
star5.0BauerFinancial Rating
APY*
3.25%
Term
6 Mo
Min.Deposit
$500
Updated: 06/11/2026
Restrictions  down
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY Updated on 03/03/2025
2.65%
6 Mo
$100,000
Max: No Limit
Restrictions  down
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY*
2.65%
Term
6 Mo
Min.Deposit
$100,000
Updated: 03/03/2025
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY Updated on 03/03/2025
2.65%
6 Mo
$100,000
Max: No Limit
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY*
2.65%
Term
6 Mo
Min.Deposit
$100,000
Updated: 03/03/2025
Restrictions  down
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY Updated on 03/03/2025
2.55%
6 Mo
$1,000
Max: No Limit
Restrictions  down
Dort Financial Credit Union
Dort Financial Credit Union
star3.0BauerFinancial Rating
APY*
2.55%
Term
6 Mo
Min.Deposit
$1,000
Updated: 03/03/2025
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY Updated on 03/03/2025
2.55%
6 Mo
$1,000
Max: No Limit
Restrictions  down
Flagler Credit Union
Flagler Credit Union
A Division of Dort Financial
APY*
2.55%
Term
6 Mo
Min.Deposit
$1,000
Updated: 03/03/2025
Restrictions  down
1-15 of 15 results
Frequently Asked Questions
How does a 6-month CD work ?
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A 6-month CD is a short-term savings account where your money stays locked for six months at a fixed rate. At maturity, you receive your deposit plus interest. All 6-month CD rates are FDIC- or NCUA-insured for safety, making a 6-month CD a safe and predictable option for short-term savings.
How do I find and compare the best 6-month CDs ?
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The easiest way to compare the best 6-month CD rates is with CD Valet. Use CD Valet to view nationwide rates that are updated daily, and filter by term, deposit amount, and promotions,so you can quickly find top offers.
    When comparing CDs, pay close attention to three key factors:
  • APY (Annual Percentage Yield): This shows your true return.
  • Minimum deposit: Some CDs require only a few hundred dollars, while others may need several thousand.
  • Early withdrawal penalties: With a 6-month CD, it’s especially important to know the cost of taking your money out early.
By weighing these details, you can confidently choose the 6-month CD that offers the best balance of safety, flexibility, and return for your savings goals.
How much can I make on a 6-month CD ?
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Earnings from a 6-month CD depend on your deposit and current 6-month CD rates. With a fixed rate, you'll know your exact return.
Use the calculator below to estimate your interest before opening an account.

* Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.


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