Compare Best 6-month CD Rates

Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like certificate of deposits (CDs), savings and money market accounts.

GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best 6-month CD rates and display them in the table below for free. Click on our featured bank rates for more information.







Institution Term Rate APY Min. To Earn APY Details
  • 3 Mo.
    6 Mo.
    9 Mo.
  • 0.74%
    1.13%
    1.08%
  • 0.74%
    1.14%
    1.09%
  • $0
    $0
    $0
    • Get our best rate with the Ally Ten Day Best Rate Guarantee.


  • 6 Mo.
    1 Yr.
    1.5 Yr.
  • 1.00%
    1.40%
    1.45%
  • 1.01%
    1.41%
    1.46%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


TermRateAPYMin. To Earn APYDetails
6 month2.00%$2,5006 Month CD - Limited Time Save and Invest Offer - To receive this rate you must open both this 6 Month Special CD and a 36 Month Investment CD with equal opening deposit amounts - Must be opened in person at a branch - Rate collected within: 60625 (IL)
6 month1.50%1.51%$100Promotional CD-Veterans Family Fund Certificate-This program provides a way for anyone to assist servicemen and women by purchasing an insured six-month CD that directs half of its earned interest to benefit veterans and their families. Investors receive the other half of the interest and a tax deduction for their contribution.
6 month1.50%$0Rate available with active checking account - membership is available nationwide - may become a member and open account online - contact credit union for details - credit union located in Wisconsin
6 month1.40%$500Membership is available, but not limited to select employer groups or those who live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria.
6 month1.34%1.35%$1,000Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit
6 month1.25%1.26%$1,000Alerus Life CD - Alerus Life checking account with auto deposit or withdrawal required. Minimum deposit of $1,000. Automatic renewal after six months. Must be age 50 or better.
6 month1.24%1.25%$25,0006 - 11 month term
6 month1.24%1.25%$3,000Fixed Rate CD
6 month1.25%1.25%$2,500
6 month1.25%1.25%$1,000
6 month1.20%1.21%$1,000For balances under $100,000 - must sign account documents in branch - Colorado market area
6 month1.18%1.19%$1,000Rates effective on balances up to $4,999
6 month1.17%1.18%$500
6 month1.17%$1,000
6 month1.16%1.17%$500
6 month1.16%1.16%$50,000
6 month1.15%1.16%$1,000
6 month1.15%1.16%$10,000eCD rates for online account only
6 month1.14%1.15%$100,000Jumbo CD 6 - 11 month term
6 month1.15%1.15%$1,000
6 month1.14%1.15%$5006-month CD
6 month1.13%1.14%$1High-Yield CD
6 month1.10%1.11%$2,500Giant Personal CD
6 month1.10%1.11%$250
6 month1.09%1.10%$10,000Personal CD - APY for balances under 100K
6 month1.09%1.10%$1,000Online CD
6 month1.10%1.10%$1,000Account must be opened in person in Effingham, IL
6 month1.09%1.10%$1,000Branch and Call Center CD Rates/Southern CA residents only
6 month1.05%1.06%$1,000
6 month1.05%1.05%$2,500Limited to local Nebraska market area
6 month1.05%$500
6 month1.05%1.05%$1,000Local funds only, contact retail offices in Ohio
6 month1.05%1.05%$100
6 month1.05%1.05%$1,0006 month CD-tier $1,000
6 month1.00%1.02%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
6 month1.00%1.01%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
6 month0.98%1.00%$2,500
6 month1.00%1.00%$1,000
6 month0.99%1.00%$1,0006 - 11 Month CD
6 month1.00%1.00%$500
6 month1.00%1.00%$500
6 month1.00%1.00%$10,000
6 month1.00%$1,000182 Day CD
6 month1.00%1.00%$1,000
6 month1.00%1.00%$2,500Located in Bristow, OK
6 month1.00%1.00%$1,000
6 month1.00%1.00%$2,500
6 month1.00%1.00%$250
6 month0.90%0.90%$2,000Missouri market area - must open account in person.
6 month0.89%0.90%$1,000Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
6 month0.90%0.90%$500
6 month0.85%0.85%$500Rates effective 08/30/2010
6 month0.84%0.85%$1,000
6 month0.85%$1,0006 Month Special CD - $1,000 and above
6 month0.80%0.80%$2,500Account available nationwide. Application available online - contact bank for more details.
6 month0.80%0.80%$500
6 month0.80%0.80%$500Central New York market area only
6 month0.80%0.80%$1,000
6 month0.80%0.80%$1,000182 day CD
6 month0.76%0.76%$500
6 month0.76%0.76%$1,000
6 month0.75%0.75%$1,000
6 month0.75%0.75%$1,500Yield Pledge CD
6 month0.75%0.75%$1,000Rates and terms specific to accounts opened online
6 month0.75%0.75%$1,000182 day term, Internet CD
6 month0.75%$1,0006 - 8 month CD, limited to local New York market area
6 month0.75%0.75%$2,500
6 month0.75%0.75%$1,000Relationship CD - Limited to Georgia cutomers only
6 month0.75%0.75%$1,000Term 6 to 11 months
6 month0.74%0.75%$1,000
6 month0.75%0.75%$1,000Eureka serves customers in the metropolitan New Orleans, Louisiana area
6 month0.75%0.75%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location. Rate collected within 10025
6 month0.75%0.75%$500Rate collected within: NY
6 month0.75%$500180 - 364 Day CD - Rate collected within: 49201 (MI)
6 month0.75%$5,000
6 month0.75%0.75%$1,000
6 month0.75%$1,000Money Market CD-membership is open to U.S. military
6 month0.75%0.75%$1,000180 day CD-Rates Collected within Oklahoma
6 month0.75%$10,000
6 month0.75%$1Orange CD
6 month0.75%0.75%$1,000182 Day Fixed Rate CD Tier $1,000 - $94,999 - Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details.
6 month0.74%0.75%$500Limited to Jefferson County NY
6 month0.73%0.73%$2,500
6 month0.70%0.70%$2,500180 - 364 Day CD Tier $2,500 - $49,999
6 month0.70%$500
6 month0.70%0.70%$500
6 month0.70%0.70%$250Located in MN
6 month0.65%0.65%$1,000iCertificate of Deposit
6 month0.65%0.65%$1,000
6 month0.65%$1,000Time Deposit Tier $1,000 - $9,999 - Located in CA
6 month0.61%0.61%$10,000Must be opened online to get this rate. Rate based on Texas area. Rate may vary by location.
6 month0.60%0.60%$1,000
6 month0.60%0.60%$1,000180 Day CD - Tier $1,000 - $10,999 - Located in TX
6 month0.60%$500eCD - APY's may vary by state
6 month0.60%0.60%$10,000
6 month0.60%0.60%$500
6 month0.60%0.60%$1,000Lake City considers its trade area to be within a 30 mile radius of Lake City, MN and reserves the right to reject any deposit or application outside the trade area.
6 month0.55%0.55%$10,000
6 month0.50%0.51%$5,000Regular CD - South Shore Massachusetts market area
6 month0.50%0.50%$1,000
6 month0.50%0.50%$2,500Rate for balances up to $99,999
6 month0.50%0.50%$500
6 month0.50%0.50%$1,000Regular CD - Can open Online - Bank Located in PA
6 month0.50%0.50%$1,000
6 month0.50%$1,000Select Promo 6 Month CD - Open with new money - Requires an M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY)
6 month0.50%0.50%$5006-11 Month CD - Located in Vermont
6 month0.50%0.50%$1,000
6 month0.50%0.50%$500Time Deposit Account - 182 Days- Interest rate is fixed of the term for the account - Rate collected within CO
6 month0.50%0.50%$1,000
6 month0.50%0.50%$500Time Deposit Account - 182 Days- Interest rate is fixed for the term of the account - Rate collected in CA
6 month0.50%0.50%$500Fixed Rate
6 month0.50%0.50%$500Time Deposit Account - 182 Days- Interest rate is fixed for the term of the account – Rate collected within AZ
6 month0.47%0.47%$5006 Month CD - Less than $100,000 - Rate collected within: 94115 (CA)
6 month0.47%0.47%$5006 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)
6 month0.47%0.47%$5006 Month CD - Less than $100,000 - Rate collected within: 60625 (IL)
6 month0.45%0.45%$10,000Personal Internet CD - open online
6 month0.45%$250No Catch 6 Month CD - Rate collected within: Washington DC
6 month0.45%$1,000
6 month0.45%$250No Catch 6 Month CD - Rate collected within: Florida (FL)
6 month0.45%$1,000270 to 364 day CD
6 month0.45%$250No Catch 6 Month CD - Rate collected within: New York NY
6 month0.45%0.45%$1,000182 Day CD Tier $1,000 - $9,999 - Apply online or at branch
6 month0.40%0.40%$1,000
6 month0.40%0.40%$500Rate collected within Jacksonville, FL
6 month0.40%0.40%$1,000Regular CD - Under $100,000
6 month0.40%0.40%$1,000Tier $1,000 - $9,999 - Located in New York
6 month0.40%0.40%$1,000
6 month0.40%0.40%$5006 Month CD - Rate collected within Northern CA
6 month0.40%0.40%$1,000182 Day Regular CD - Rate collected within: Fargo ND
6 month0.40%0.40%$1,000180 day CD
6 month0.40%0.40%$1,000Enter a new note
6 month0.40%$2,000APY for balances up to $14,999
6 month0.40%0.40%$2,5006 Month CD Tier $2,500 - $19,999
6 month0.40%0.40%$500Regular CD - Limited to New York market area
6 month0.40%0.40%$5006 Month CD - Rate collected within: Northern CA
6 month0.40%0.40%$1,000
6 month0.40%0.40%$500Rate collected within Birmingham, AL
6 month0.35%0.36%$1,000tier $1,000 to $4,999
6 month0.36%0.36%$10,000
6 month0.35%$500 Rate collected within Whatcom County
6 month0.35%0.35%$5006 Month CD - Tier below $10,000 - Online account only
6 month0.35%0.35%$1,000Standard 6-11 Month CD - Tier Less than $10,000 - Rate collected within: NY
6 month0.35%0.35%$1,0006 - 11 Month Fixed Rate CD Tier $1,000 - $49,999
6 month0.35%0.35%$1,000
6 month0.35%0.35%$500
6 month0.35%0.35%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
6 month0.35%0.35%$1,000Accounts can be opened with an Allstate agent or by online application
6 month0.35%0.35%$500
6 month0.35%0.35%$500182 Day CD - Rate collected within NJ
6 month0.35%0.35%$5006 Month CD
6 month0.35%0.35%$500182 Day CD - Rate collected within PA
6 month0.35%0.35%$1,000Standard CD 6 - 11 Months - Tier Less than $10,000 - Rate collected within: IL
6 month0.35%0.35%$1,000Standard 180 to 364 Day CD - Tier Less than $10,000 - Rate collected within: CA
6 month0.30%0.30%$350180-364 Day CD, Tier $350 - $999
6 month0.30%0.30%$500182-364 day CD - tier $500 to $9,999
6 month0.30%0.30%$1,000
6 month0.30%$1,000Regular 180 Day CD - Open online
6 month0.30%0.30%$1,000Accounts under $100,000 - Rate collected within Chicago, IL
6 month0.30%0.30%$1,000Accounts under $100,000 - Rate collected within Philadelphia, PA
6 month0.30%0.30%$1,000Rate collected within: IL
6 month0.25%0.25%$1,000Regular CD
6 month0.25%0.25%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
6 month0.25%0.25%$5,000Non-jumbo CD - Rate collected within: 10025 (NY)
6 month0.25%0.25%$100,000Jumbo CD - Rate collected within: 60625 (IL)
6 month0.25%0.25%$100,000Jumbo CD - Rate collected within: 94115 (CA)
6 month0.25%0.25%$100,000Jumbo CD - Rate collected within: 10025 (NY)
6 month0.25%0.25%$1,0006 Month Fixed Rate CD Only - Rate collected within: 10025 (NY)
6 month0.25%0.25%$1,000Located in Massachusetts
6 month0.25%0.25%$5,000Non-jumbo CD - Rate collected within: 60625 (IL)
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 10025 (NY)
6 month0.20%0.20%$2,5006 Month CD Tier - Up to $9,999 - Rate collected within: 10025 (NY)
6 month0.20%0.20%$1,0006 - 8 Month Standard CD - Non relationship rate - Rate collected within: 10025 (NY)
6 month0.20%0.20%$1,0006 - 8 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 (IL)
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 60625 (IL).
6 month0.20%0.20%$1,0006 - 8 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA)
6 month0.20%0.20%$1,0006 Month CD Tier $1,000 - $4,999
6 month0.20%0.20%$1,000180 Day CD - Less than $100,000
6 month0.20%$1,000180-364 Day Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
6 month0.20%0.20%$2,5006 Month CD Tier - Up to $9,999 - Rate collected within: 94115 (CA)
6 month0.20%0.20%$1,000Regular CD - Located in MA
6 month0.20%0.20%$2,5006 Month CD Tier - Up to $9,999 - Rate collected within: 60625 (IL)
6 month0.15%0.15%$1,0006 Month CD Tier $1,000 - $9,999 - Rate collected within: 43215 (OH)
6 month0.15%$2,500Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: IL
6 month0.15%0.15%$1,0006 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 49120 (MI)
6 month0.15%0.15%$1,000 6 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 41017 (KY)
6 month0.15%0.15%$1,0006 month Standard Rate CD < $100K - $1,000 - $9,999 - Rate collected within: 43215 (OH)
6 month0.15%$2,500Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: NY
6 month0.15%$2,500Standard 6 Month CD - Tier $2,500 - $9,999 - Rate collected within: CA
6 month0.15%$2,500Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: NY
6 month0.15%$2,500Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: CA
6 month0.15%$2,500Standard 6 Month CD Tier $2,500 - $9,999 - Rate collected within: IL
6 month0.10%$500Tiered rates - Stated rate applies to balances $500 - $9,999
6 month0.10%0.10%$2,5006 Month CD Tier $2,500 - $9,999 - Without Relationship - Rate collected within: 10025 (NY)
6 month0.10%$10Online only
6 month0.10%$1,0006 to 9 Months Less 1 Day - Stated rate is for accounts opened at an HSBC branch or by phone
6 month0.09%0.09%$1,000
6 month0.05%0.05%$5,000Standard 6-12 Month CD Tier - Less than $5,000 - Rate collected within: 60625 (IL)
6 month0.05%0.05%$5006 - 11 Month CD - Rate collected within: 63102 (MO)
6 month0.05%0.05%$1,000Rate collected within: 94115 (CA)
6 month0.05%0.05%$1,000Rate collected within: 60625 (IL)
6 month0.05%0.05%$1,000Rate collected within: 10025 (NY)
6 month0.05%0.05%$5006 Month Base CD - Higher rates available for checking customers