6 Month CD Rate History (2009–2026)
RateBrain has tracked 6 Month CD rates since 2009. The median 6 Month CD rate rose from 1.39% in 2009 to 3.85% in 2026. The highest rate we recorded was 5.56% APY from Total Direct Bank in 2023.
Median 6 Month CD rate
Median 6 Month CD rate by month
Months with fewer than 5 tracked products are left out.
By year
| Year | Median | Highest | Lowest | Products tracked |
|---|---|---|---|---|
| 2026 | 3.85% | 5.30% · Able Banking | 1.15% | 26 |
| 2025 | 5.05% | 5.35% · Ameriprise Bank | 1.61% | 20 |
| 2024 | 4.80% | 5.55% · Newtek Bank | 0.10% | 30 |
| 2023 | 5.05% | 5.56% · Total Direct Bank | 0.10% | 31 |
| 2022 | 3.30% | 4.50% · Popular Direct | 0.04% | 27 |
| 2021 | 0.25% | 0.70% · BAC Florida | 0.04% | 26 |
| 2020 | 0.30% | 1.95% · Able Banking | 0.03% | 28 |
| 2019 | 1.35% | 2.75% · CD Bank | 0.03% | 30 |
| 2018 | 1.05% | 2.40% · PenFed Credit Union | 0.03% | 29 |
| 2017 | 0.63% | 1.45% · Bank5 Connect | 0.03% | 24 |
| 2016 | 0.53% | 1.15% · Colorado Federal Savings Bank | 0.03% | 24 |
| 2015 | 0.50% | 1.15% · Colorado Federal Savings Bank | 0.03% | 25 |
| 2014 | 0.45% | 1.15% · Colorado Federal Savings Bank | 0.03% | 25 |
| 2013 | 0.55% | 1.15% · Colorado Federal Savings Bank | 0.03% | 23 |
| 2012 | 0.50% | 1.15% · Colorado Federal Savings Bank | 0.10% | 20 |
| 2011 | 0.57% | 1.50% · Connexus Credit Union | 0.10% | 22 |
| 2010 | 1.00% | 1.60% · Southeast Financial CU | 0.50% | 20 |
| 2009 | 1.39% | 2.52% · Bank of Hope | 0.15% | 20 |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.