Best 6 Month CD Rates in 2026

Name: Best 6 Month CD Rates in 2026
Creator: RateBrain

In 2026, the median 6 Month CD rate RateBrain tracked was 3.75% across 135 products. The highest was 5.35% APY from Ameriprise Bank. That median was down from 4.80% in 2025.

« 2025 All years

Every 6 Month CD rate we tracked in 2026

Bank	High	Year end
State Bank of India	4.58%	4.58%
NASA Federal Credit Union	4.55%	4.55%
BTG Pactual US	4.40%	4.40%
Happen Bank	4.40%	4.40%
Merrick Bank	4.40%	4.40%
Quorum Federal Credit Union	4.40%	4.40%
KS StateBank	4.35%	4.35%
Popular Direct	5.15%	4.35%
Climate First Bank	4.33%	4.33%
Accordia Bank	4.30%	4.30%
Austin Capital Bank	4.30%	4.30%
Chartway Credit Union	4.30%	4.30%
DR Bank	4.30%	4.30%
Live Oak Bank	4.80%	4.30%
Newtek Bank	5.05%	4.30%
Raymond James Bank	4.35%	4.30%
WebBank	4.26%	4.26%
Able Banking	5.30%	4.25%
Abound Credit Union	4.25%	4.25%
City First Bank	4.25%	4.25%
Finworth	4.25%	4.25%
Goldwater Bank	4.25%	4.25%
InTouch Credit Union	4.25%	4.25%
Ivy Bank	4.25%	4.25%
Leader Bank	4.25%	4.25%
Total Bank	4.50%	4.25%
Vibrant Credit Union	4.25%	4.25%
Zynlo Bank	4.25%	4.25%
EagleBank	4.20%	4.20%
E*TRADE Bank	4.20%	4.20%
Pacific National Bank	4.20%	4.20%
Sun Canyon Bank	4.20%	4.20%
Synchrony Bank	4.80%	4.20%
United Fidelity Bank	4.40%	4.20%
Colorado Federal Savings Bank	5.15%	4.15%
Flagstar Bank	4.10%	4.10%
Quaint Oak Bank	5.00%	4.10%
Signature Federal Credit Union	4.10%	4.10%
Valley Direct	4.10%	4.10%
All In Credit Union	4.07%	4.07%
Bank of Utah	4.05%	4.05%
Bread Financial	4.05%	4.05%
Rising Bank	4.05%	4.05%
Ally Bank	4.00%	4.00%
Banesco	5.20%	4.00%
Bank5 Connect	5.05%	4.00%
CFBank	4.00%	4.00%
CIBC Bank USA	4.00%	4.00%
Elements Financial	4.00%	4.00%
First National Bank of America	4.00%	4.00%
Hanscom Federal Credit Union	4.00%	4.00%
HSBC Bank	4.00%	4.00%
Prime Alliance Bank	4.00%	4.00%
Service Credit Union	4.00%	4.00%
Skyla Credit Union	4.00%	4.00%
ValorFI Heroes	4.50%	4.00%
Marcus	3.95%	3.95%
Bask Bank	5.30%	3.90%
Nat'l Bank of Kansas City	3.85%	3.85%
Space Coast Credit Union	3.85%	3.85%
Vio Bank	4.70%	3.85%
Merchants Bank of Indiana	4.75%	3.82%
Customers Bank	3.80%	3.80%
Texas Capital Bank	3.80%	3.80%
USALLIANCE Financial	3.80%	3.80%
CIT Bank	3.75%	3.75%
HAB Bank	3.75%	3.75%
Provident Credit Union	3.75%	3.75%
Quontic Bank	5.10%	3.75%
WECU	3.75%	3.75%
Delta Community Credit Union	3.70%	3.70%
Locality Bank	3.65%	3.65%
Alliant Credit Union	3.60%	3.60%
BAC Florida	5.20%	3.60%
EverBank	4.00%	3.60%
First Internet Bank	3.76%	3.60%
Langley Federal Credit Union	3.60%	3.60%
RBC Bank	3.60%	3.60%
Carver Federal Savings Bank	3.59%	3.59%
Ridgewood Savings Bank	3.55%	3.55%
Genisys Credit Union	3.54%	3.54%
CD Bank	5.25%	3.53%
Androscoggin Bank	3.51%	3.51%
Davis Trust Company	3.50%	3.50%
iGoBanking.com	3.50%	3.50%
Ponce Bank	3.50%	3.50%
Salem Five	3.50%	3.50%
TFCU	3.50%	3.50%
Latino Community Credit Union	3.45%	3.45%
First Foundation Bank	3.40%	3.40%
Riverland Credit Union	3.40%	3.40%
Apple Federal Credit Union	3.35%	3.35%
First Bank of the Lake	3.35%	3.35%
Capital One	3.30%	3.30%
Capital One 360	4.35%	3.30%
Atlantic Union Bank	3.25%	3.25%
Digital Federal Credit Union	3.25%	3.25%
First Tech Federal Credit Union	3.25%	3.25%
US Bank	3.25%	3.25%
Sallie Mae	3.20%	3.20%
SmartyPig	3.20%	3.20%
Virtual Bank	3.35%	3.20%
Southeast Financial CU	3.40%	3.10%
Justice Federal Credit Union	3.05%	3.05%
Amalgamated Bank	3.02%	3.02%
Dollar Savings Direct	3.00%	3.00%
Mountain One Bank	4.50%	3.00%
MySavingsDirect	3.00%	3.00%
Northpointe Bank	3.00%	3.00%
Patelco	4.25%	3.00%
United Republic Bank	3.00%	3.00%
Harborstone Credit Union	2.93%	2.93%
Truliant Federal Credit Union	2.90%	2.90%
UNCLE Credit Union	2.83%	2.83%
Andrews Federal Credit Union	2.80%	2.80%
PenFed Credit Union	3.00%	2.70%
American State Bank	2.62%	2.62%
BMO Alto	5.10%	2.50%
Chase Bank	2.25%	2.25%
GiantBank	2.02%	2.02%
Citibank	2.00%	2.00%
Global Credit Union	2.00%	2.00%
USAA	2.00%	2.00%
FourLeaf Federal Credit Union	1.25%	1.25%
Academy Bank	1.61%	1.15%
First Command Bank	0.80%	0.80%
HOPE Credit Union	0.75%	0.75%
Great Lakes Credit Union	0.60%	0.60%
Ameriprise Bank	5.35%	0.50%
Provident NJ	0.50%	0.50%
First Mid Bank & Trust	0.30%	0.30%
OMB Bank	0.20%	0.20%
Self Help Credit Union	0.15%	0.15%
MidFirst Direct	0.10%	0.10%
OceanFirst Bank	0.05%	0.05%

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.