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You are viewing rates from banks across Oro Valley
Below are the best six-month CD Rates from banks with branches in Oro Valley, Arizona . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.
Oro Valley, AZ - August 2, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.75% 0.05% |
$2,500 $1 |
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Rate History: 5.25% → 5.00% → 4.75% |
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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4.50% |
$2,500 |
- |
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Rate History: 5.06% → 5.32% → 4.50% |
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4.40% |
$10,000 |
- |
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Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40% |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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4.40% |
$25,000 |
- |
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Early Withdrawal Penalty is 90 days interest. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More |
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4.35% |
$1,000 |
- |
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Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.28% |
$1,000 |
- |
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Warning: Early Withdrawal Penalty is 180 days interest. |
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Beenthere | Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More |
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4.25% |
$500 |
- |
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Rate History: 4.60% → 4.50% → 4.40% → 4.35% → 4.25% |
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HonestReview | Apr 19, 2023 This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More |
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4.20% |
$1,000 |
- |
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Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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4.15% |
$2,500 |
- |
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Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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3.83% |
$2,000 |
- |
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Rate History: 4.64% → 4.29% → 4.18% → 4.08% → 3.83% |
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3.83% |
$1,000 |
- |
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Rate History: 3.83% → 3.83% |
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3.75% |
$10,000 |
- |
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Rate History: 4.00% → 3.75% |
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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3.60% |
$10,000 |
- |
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Rate History: 3.85% → 4.15% → 4.00% → 3.70% → 3.60% |
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Carrandrewb | Aug 5, 2022 The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More |
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3.05% |
$1,000 |
- |
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Rate History: 4.86% → 3.05% |
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3.00% |
$0 |
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Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00% |
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Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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2.05% |
$100,000 |
- |
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Rate History: 0.15% → 2.55% → 2.45% → 2.30% → 2.05% |
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Aku | May 29, 2020 Dua Read More |
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2.00% |
$25,000 |
- |
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Rate History: 2.50% → 2.51% → 2.01% → 2.00% |
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Thy King | Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More |
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1.50% |
$10,000 |
- |
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Rate History: 3.00% → 2.00% → 1.50% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.20% |
$1,000 |
- |
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0.60% 0.35% |
$100,000 $1,000 |
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Rate History: 0.30% → 0.60% |
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0.50% |
$10,000 |
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mobert52 | Sep 26, 2018 Drove to PHX to open an acct. The listed address is VACANT. No info available for other branches. Found another listed branch office, office is vacant. Screw you Goldwater Bank, you want my money and y... Read More |
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0.40% |
$10,000 |
- |
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0.35% |
$10,000 |
- |
Learn More
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0.30% |
$10,000 |
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Learn More
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jpchamorro | Apr 5, 2020 great Read More |
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0.30% |
$10,000 |
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0.25% |
$100,000 |
- |
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0.25% |
$10,000 |
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Learn More
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sharzns | Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More |
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0.25% |
$10,000 |
- |
Learn More
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Fredbird | Aug 30, 2017 Excellent bank with a friendly helpful staff Read More |
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0.25% |
$10,000 |
- |
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.25% |
$10,000 |
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Dianna Jackson | Dec 1, 2022 I have banked at First Fidelity since 1991 I think. Their banking staff has always been so helpful. I had a person years ago take one of my blank check and cashed it for 250.00. I caught it right away ... Read More |
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0.25% |
$100,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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Jean-Marc | Nov 10, 2023 Just found out after submitting all my personal information: "Western also allows one free outgoing wire per month." "External transfers from Western State Bank Online Banking: After 60 days you will h... Read More |
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0.20% |
$10,000 |
- |
Learn More
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0.20% |
$1,000 |
- |
Learn More
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wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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0.20% |
$10,000 |
- |
Learn More
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dionpayne | Jun 28, 2017 showmefivethousanddollars Read More |
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0.20% |
$10,000 |
- |
Learn More
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.20% |
$10,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.20% |
$2,500 |
- |
Learn More
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0.15% |
$10,000 |
- |
Learn More
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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0.15% |
$1,000 |
- |
Learn More
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Rate History: 0.15% → 0.15% |
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jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
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0.15% |
$10,000 |
- |
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0.13% |
$10,000 |
- |
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0.10% |
$100 |
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Learn More
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william | Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More |
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0.10% |
$10,000 |
- |
Learn More
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Ed | Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More |
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0.05% |
$1,000 |
- |
Learn More
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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0.05% |
$500 |
- |
Learn More
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.01% |
$500 |
- |
Learn More
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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0.01% |
$10,000 |
- |
Learn More
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0.01% |
$10,000 |
- |
Learn More
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CatAnn | Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
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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