Best 6-Month CD Rates - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top 6-month CD rates currently available include Metropolitan Services Credit UnionMetropolitan Services Credit Union475 Etna St Ste 10, Saint Paul, MN 55106 5845A+5.0 ★Texas Ratio: 0.00%Real return: +5.20%APY minus CPI (February 2026) offering 6 Month NEW Youth CD at 8.00% APY, and United Financial Credit UnionUnited Financial Credit Union6310 Dixie Hwy, Bridgeport, MI 48722A+5.0 ★Texas Ratio: 3.57%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, and Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CU130 Fisher Rd, Berlin, VT 05602A5.0 ★Texas Ratio: 8.58%Real return: +2.20%APY minus CPI (February 2026) offering New 6 month CD Special at 5.00% APY, and NATIONAL INSTITUTES OF HEALTHNATIONAL INSTITUTES OF HEALTH111 Rockville Pike Ste 500, Rockville, MD 20850A+5.0 ★Texas Ratio: 1.67%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Youth Saver at 5.00% APY. CD rates as of June 26, 2026 according to verified data from MonitorBankRates.
A 6-month CD is one of the most popular short-term options for savers. It offers a higher yield than a standard savings account while keeping your money committed for just one year — ideal for building a CD ladder or parking funds you won’t need in the near term. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 6-Month CD Rates Last Updated and Verified: June 26, 2026
Compare the Best 6-Month CD Rates Nationwide
Limit of one CD per member
Max $5,000
Must be funded by new money not currently on deposit
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Bonus Rate: 5.00%
$10,000 +
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Deposit Amount: $100,001 and up
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Limited Time Offer! Withdrawals will reduce earnings. A penalty will be imposed for early withdrawal.
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Branch $1,000 Minimum Deposit
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EARLY WITHDRAWAL PENALTIES (Minimum $25): 181 Days Interest
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A minimum deposit of $1,000 is required to open a CD | Rates subject to change | Member FDIC
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Dividends paid at the end of each quarter and at maturity. A dividend penalty will be charged for early withdrawal.
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Certificates $500 to $20,000
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Special promotional rate valid June 8-26.
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NEW MONEY ONLY!!! *APY - Annual Percentage Yield. Rates are accurate as of 01/01/2026 and are subject to change without notice
minimum balance to earn dividends
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As Low As; 4.05%
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Quarterly
Effective 3/12/26
APYs are current as of 9/9/2025. Rates are subject to change. A penalty may be assessed for early withdrawal. Member FDIC
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Dividends on 3 and 6 month certificates are paid at maturity. Early Withdrawal Penalty: 30 Days Dividends
Fees can reduce the earnings on any of the above accounts. The minimum deposit on a CD or IRA is $500.00.
Penalty: 3 month
Annual Percentage Yield as of 05/13/2026. For a limited time. Penalty for early withdrawal. Member FDIC
dividends compounded monthly. Early withdrawal penalty = 90 days dividend.
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Dividends Compounded: Quarterly; Dividends Credited: Quarterly; Dividend Period: Account's Term; Rate Type: Fixed
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Interest rates are subject to terms and conditions and may change at any time and without prior notice.
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Interest Compounded & Credited: Quarterly
FEATURED RATE
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Rates effective as of 04/17/2026. APY = Annual Percentage Yield. The APY for Term/IRA Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. You should consult a tax professional about withdrawn Term/IRA Certificate dividends, which may be taxable. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See account disclosure for full details or contact a Team Member for further information. Membership required. Federally Insured by NCUA.
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Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
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Minimum balance of $1000.00 (excluding Youth Accounts) No additional deposits allowed during the term of the Certificate. Early Withdrawal Penalties apply. Rates are subject to change at any time.
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new money only
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Compound Method: Simple; Early Withdraw Penalty: 3 Months Interest
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Not applicable to IRAs
APY = Annual Percentage Yield. Rates are accurate as of March 30, 2026, and are fixed for the term of the certificate. A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA.
Compounding Frequency: At Maturity
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no penalty
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Early withdrawal from certificates will be subject to a 90-day dividend penalty
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Loyalty Rate: 3.83%, Loyalty APY: 3.90%
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The minimum deposit required to open is $2,500 and the maximum is $250,000 per account. Penalties may apply to early withdrawals.
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A penalty applies for early withdrawal.
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Limited Time Special
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Interest At Maturity
Fixed
Penalty for early withdrawal: 3 Months Dividends
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(a), (c)
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Penalty for early withdrawal.
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Open Online
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Annual Percentage Yield (APY) is accurate as of 02/20/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
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Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
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Dividend paid monthly. A penalty may be imposed for early withdrawal.
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About 6 Month CD
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Interest paid monthly
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tracked Nationwide
About Our 6-Month CD Rate Database
MonitorBankRates tracks 2,865 6-month CD rates from 1,825 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Metropolitan Services Credit Union offers a 6-month CD at 8.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers.
6-Month CD Rate Trend
Daily national average APY for 6-month CDs
Daily averages compiled from 2,865 verified CD rate quotes — updated daily.
National 6-month CD rates rose 0.003 points over the past 7 days to 2.697% APY, up from 2.694% 7 days ago. Rates are currently in line with the 90-day average of 2.691%.
Rates are well above the 2010-2019 decade average of 0.30%, though below the 2023 cycle peak of 5.50%.
6-Month CD Rate Forecast — Next 12 Months
Where are 6-month CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CD Calculators
Enter any deposit amount to see exactly how much interest you earn at the end of your 6-month term at today’s top APY.
CD Ladder with 6 months RungModel a CD ladder that includes a 6-month CD. See how staggering maturities keeps cash accessible while locking in higher yields on longer terms.
Early Withdrawal Penalty6-month CDs typically carry a 90–180 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
6-month CD vs. High-Yield Savings6-month CD rates are close to top savings APYs right now. Compare both side-by-side to find which earns more for your deposit amount and timeline.
What Does a 6-Month CD Actually Earn After Inflation?
The APY on your CD tells you the nominal return — what you earn before accounting for inflation. The real return is what matters for purchasing power: your CD rate minus the current inflation rate. A CD yielding 4.85% when inflation runs at 2.8% gives you a real return of roughly 2.0%. When inflation runs at 5%, that same CD is losing ground.
What This Means for 6-Month CD Savers
At the current national average of 2.697% and headline inflation running at 2.8% (BLS CPI-U, February 2026), a $10,000 6-month CD earns roughly $67.44 in interest over 3 months. After adjusting for the annualized inflation rate, the real purchasing-power gain is approximately -0.10% on an annualized basis.
With inflation still running above the current CD average, short-term CD holders are losing ground in real terms — though far less than during the 2020–2021 period when rates were near zero and inflation was accelerating.
The top-yielding 6-month CDs in our database, however, typically run 0.50%–1.50% above the national average. Savers who shop across our full list rather than accepting their current bank's rate meaningfully improve their real return.
Real Return in Context
| Period | Avg 3-Mo CD APY | Avg CPI | Approx. Real Return |
|---|---|---|---|
| 2015–2019 (pre-pandemic) | ~1.0%–2.4% | ~2.3% | ~-1.3% to +0.1% |
| 2020–2021 (pandemic lows) | ~0.05%–0.10% | ~1.2%–4.7% | ~-4.6% to -1.1% |
| 2022–2023 (rate hike cycle) | ~0.5%–5.5% | ~4.0%–9.1% | ~-8.6% to +1.5% |
| 2023 Peak | ~5.50% avg | ~3.2%–4.1% | ~+1.0% to +2.0% |
| Today (Jun 2026) | 2.697% avg | 2.8% | -0.10% |
Data sources: MonitorBankRates.com 6-month CD rate averages; U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers (CPI-U), All Items, 12-month percent change. CPI reading: February 2026. Real return is an approximation; precise calculation is ((1+nominal)/(1+inflation))-1. Not financial advice.
How to Find the Best 6-Month CD Rates
What to compare when shopping for a 6-month CD
To find the best APYs on a 6-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 6-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 6-Month CD Makes Sense
- You have a planned purchase or expense in ~6 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You’re building the shortest rung of a CD ladder
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
6-Month CD vs. Other Short-Term Savings Options
| Feature | 6-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 3 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
6-Month CD FAQs
What is a 6-Month Certificate of Deposit (CD)?
Are 6-month CD rates higher than regular savings accounts?
Is my money safe in a 6-month CD?
What happens if I withdraw money from a 6-month CD early?
What is APY and how does it differ from the interest rate?
Can I add money to a 6-month CD after opening it?
How can I use a 6-month CD in a CD ladder?
Is a 6-month CD better than a high-yield savings account right now?
What is the real return on a 6-month CD?
Does inflation affect CD rates?
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 6-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 1-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
