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.
  • 0.65%
    0.90%
    1.00%
  • 0.65%
    0.90%
    1.00%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.


  • 6 Mo.
    1 Yr.
    1.5 Yr.
  • 1.00%
    1.55%
    1.65%
  • 1.01%
    1.56%
    1.66%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


TermRateAPYMin. To Earn APYDetails
6 month1.74%1.75%$1,000Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit
6 month1.56%$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 month1.49%1.50%$500
6 month1.50%$50,000Rate for balances over $50,000, account available to local Georgia market area, must open account in person
6 month1.40%$10,000
6 month1.39%1.40%$1,000Rates and terms specific to accounts opened online
6 month1.36%$5,000
6 month1.34%1.35%$10,000Rate for balances up to $90,000
6 month1.30%1.31%$3,000Fixed Rate CD
6 month1.30%1.31%$1,000Rates effective on balances up to $4,999
6 month1.30%1.30%$10,000
6 month1.29%1.30%$500Fixed Rate
6 month1.30%$1,000
6 month1.29%1.30%$10,000Personal CD - APY for balances under 100K
6 month1.25%1.28%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
6 month1.25%1.26%$1,000
6 month1.24%1.25%$1,000
6 month1.25%$500Rate for balances under $50,000, account available to local Georgia market area, must open account in person
6 month1.24%1.25%$500New money only
6 month1.25%$1,000182 day term, Internet CD
6 month1.24%1.25%$1,000
6 month1.25%1.25%$500Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT.
6 month1.24%1.25%$1,000Branch and Call Center CD Rates
6 month1.19%1.20%$1,000
6 month1.20%1.20%$1,000Local funds only, contact retail offices in Ohio
6 month1.18%1.19%$1High-Yield CD
6 month1.15%1.16%$50,000
6 month1.14%1.15%$5,000Online CD
6 month1.14%1.15%$500CD - 182 days (www.sterlingnj.com)
6 month1.15%$10,000
6 month1.10%1.11%$500
6 month1.10%1.11%$2,500Giant Personal CD
6 month1.09%1.10%$1,500Yield Pledge CD
6 month1.08%1.10%$500Limited to Jefferson County in New York
6 month1.05%$500
6 month1.04%1.05%$1,000
6 month1.05%1.05%$1,000
6 month1.00%1.01%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
6 month1.00%1.00%$1,000
6 month1.00%1.00%$1,000iCertificate of Deposit
6 month1.00%$500
6 month0.99%1.00%$1,000Term 6 to 11 months
6 month1.00%1.00%$250
6 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
6 month0.90%$1Orange CD
6 month0.90%0.90%$25,0006 - 11 month term
6 month0.90%0.90%$500Rates effective 03/15/2010
6 month0.90%0.90%$2,500
6 month0.85%$1,0006 - 8 month CD, limited to local New York market area
6 month0.85%0.85%$2,500
6 month0.80%$500eCD - APY's may vary by state
6 month0.80%0.80%$10,000eCD rates for online account only
6 month0.80%0.80%$10,000Personal Internet CD - open online
6 month0.75%0.76%$5,000Regular CD - South Shore Massachusetts market area
6 month0.75%0.75%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
6 month0.75%0.75%$1,000
6 month0.75%0.75%$2,500
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
6 month0.75%0.75%$10,000
6 month0.66%0.66%$10,000
6 month0.65%0.65%$2,500Rate for balances up to $99,999
6 month0.60%0.60%$500
6 month0.60%0.60%$10,000
6 month0.50%0.50%$1,000
6 month0.40%$10Online only