Best 6-month CD rates for May 2026

Today’s Best 6-Month CD Rates

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Best 6-month CD Rates :

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Looking for the best 6-month CDs? CD Valet tracks 6-month CD rates from across the country and updates them every day. Compare APYs, minimum deposits, and early withdrawal penalties so you can pick a short-term CD that balances safety, flexibility, and guaranteed returns.
Rate Methodology
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APYs shown below are accurate as of May 20, 2026 and are updated daily. We review offers from banks and credit unions across the U.S. to highlight the highest rates available for a 6-month CD. All institutions listed are FDIC- or NCUA insured.
Current 6-month CD Trends
% APY*
CD Valet Partner Average
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National Average
FINANCIAL INSTITUTIONS 
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APY Info
Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.
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Frequently Asked Questions
How does a 6-month CD work ?
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A 6-month CD is a short-term savings account where your money stays locked for six months at a fixed rate. At maturity, you receive your deposit plus interest. All 6-month CD rates are FDIC- or NCUA-insured for safety, making a 6-month CD a safe and predictable option for short-term savings.
How do I find and compare the best 6-month CDs ?
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The easiest way to compare the best 6-month CD rates is with CD Valet. Use CD Valet to view nationwide rates that are updated daily, and filter by term, deposit amount, and promotions,so you can quickly find top offers.
    When comparing CDs, pay close attention to three key factors:
  • APY (Annual Percentage Yield): This shows your true return.
  • Minimum deposit: Some CDs require only a few hundred dollars, while others may need several thousand.
  • Early withdrawal penalties: With a 6-month CD, it’s especially important to know the cost of taking your money out early.
By weighing these details, you can confidently choose the 6-month CD that offers the best balance of safety, flexibility, and return for your savings goals.
How much can I make on a 6-month CD ?
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Earnings from a 6-month CD depend on your deposit and current 6-month CD rates. With a fixed rate, you'll know your exact return.
Use the calculator below to estimate your interest before opening an account.
Explore More Rates by Term:
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  • The smart saver's trusted source for verified, high-yield CD rates from federally insured banks and credit unions.
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* Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.

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