Six month Certificates of Deposit (CD) rates from online banks are often above average if you are willing to open and manage your account using the Internet. Most online banks offer an online application and money can be transferred to fund the CD via an electronic transfer, check, wire, or credit card. To view rates for other CD terms, click the tabs above.
Highest 6-Month Online CD Rates - December 7, 2019
6 Month CD National Average: 0.62% ?
| BANK | APY? | Vs. Nat'l Av. |
MIN? | |
|---|---|---|---|---|
|
|
2.00% | 3.21x | $1,000 | |
|
|
2.00% | 3.21x | $100,000 | |
|
|
1.95% | 3.13x | $1,000 | |
|
|
1.90% | 3.05x | $25,000 | |
|
|
1.85% | 2.97x | $1,000 | |
|
|
1.85% | 2.97x | $2,500 | |
|
|
1.81% | 2.91x | $1,000 | |
Warning: Early Withdrawal Penalty is 180 days interest. |
||||
|
|
1.81% | 2.91x | $2,500 | |
|
|
1.80% | 2.89x | $1,000 | |
|
|
1.80% | 2.89x | $1,000 | |
|
|
1.80% | 2.89x | $10,000 | |
|
|
1.75% | 2.81x | $2,500 | |
|
|
1.75% | 2.81x | $2,500 | |
|
|
1.70% | 2.73x | $10,000 | |
|
|
1.65% | 2.65x | $1,000 | |
Warning: Early Withdrawal Penalty is the greater of: 90 days interest or all interest earned. |
||||
|
Restrictions |
1.60% | 2.57x | $1,000 | |
Early Withdrawal Penalty is all interest earned. |
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|
|
1.45% | 2.33x | $500 | |
|
|
1.00% | 1.61x | $25,000 | |
|
|
0.95% | 1.52x | $1,000 | |
|
|
0.75% | 1.20x | $1,000 | |
|
|
0.66% | 1.06x | $175,000 | |
|
|
0.65% | 1.04x | $0 | |
|
|
0.65% | 1.04x | $2,500 | |
|
Restrictions |
0.65% | 1.04x | $100,000 | |
|
|
0.60% | 0.96x | $10,000 | |
|
|
0.45% | 0.72x | $1,000 | |
|
|
0.40% | 0.64x | $0 | |
|
Restrictions |
0.20% | 0.32x | $500 | |
Online banks generally provide better rates on six month certificates of deposit in return for the depositor opening the CD online and interacting with the bank online or via phone. There is no branch which the depositor can visit to ask questions, roll over the CD, or open the account.
Other than the way a CD from an online bank is opened and serviced, the rest of the characteristics are the same as a branch-opened CD.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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