Indiana

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Indiana CD Rates – 6-Month

You are viewing rates from banks across Indiana





Below are the best six-month CD Rates from banks with branches in Indiana. 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.

IN - August 1, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 0.01% → 4.50%

Rate History: 5.30% → 5.20% → 4.70% → 4.30% → 4.50%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Rate History: 4.50% → 4.75% → 4.50% → 4.30% → 4.50%

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Rate History: 4.65% → 4.50% → 4.40% → 4.35% → 4.45%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early withdrawal penalty is 3 Months' Interest.
Rate History: 4.70% → 4.40% → 4.45% → 4.05% → 4.45%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.30% → 4.45% → 4.51% → 4.41%

| Aug 26, 2022

Too slow to raise rates. Read More

Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%

| 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

6 Month Jumbo CD.
Rate History: 4.70% → 4.65% → 4.55% → 4.50% → 4.40%

| Sep 22, 2023

Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.40% → 4.35% → 4.00% → 4.15% → 4.40%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 4.50% → 4.20% → 4.00% → 4.15% → 4.40%

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%

| Jun 26, 2020

Rate not current Read More

Rate History: 4.95% → 4.90% → 4.65% → 4.50% → 4.35%

| May 6, 2023

Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More

No Penalty CD.
Rate History: 5.34% → 5.34% → 3.68% → 4.34%

| Mar 2, 2024

Attracted to the name, but the service had too many steps so I didn't open an account. Read More

Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%

Warning: Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 4.15% → 4.15% → 4.49% → 4.28%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal Penalty is 30 days.
Rate History: 4.31% → 4.26%

| Jul 23, 2023

easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More

Rate History: 3.35% → 4.25%

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

Rate History: 4.50% → 4.25%

| Dec 12, 2022

Developed buyers remorse after they stopped raising the rate and switched to Brilliant. Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.65% → 4.55% → 4.35% → 4.25%

Rate History: 4.50% → 4.30% → 4.20% → 4.10% → 4.20%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.70% → 4.45% → 4.40% → 4.45% → 4.20%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Rate History: 2.25% → 4.90%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%

| 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

Rate History: 4.19% → 4.24% → 4.30% → 4.35% → 4.14%

| Feb 12, 2020

WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More

Rate History: 4.70% → 4.50% → 4.30% → 4.20% → 4.10%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 0.35% → 5.05% → 4.90% → 4.50% → 4.08%

Rate History: 5.00% → 4.65% → 4.30% → 3.79% → 4.05%

| May 21, 2021

avoid this Read More

6 Month CD.
Rate History: 4.95% → 4.85% → 4.50% → 4.35% → 4.00%

| Jul 17, 2021

I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More

Rate History: 5.30% → 5.00% → 4.80% → 4.00%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 5.00% → 4.50% → 4.25% → 4.00%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 4.80% → 4.50% → 4.20% → 4.10% → 4.00%

Rate History: 4.50% → 4.25% → 4.00%

Rate History: 5.00% → 4.75% → 4.00%

| Jul 6, 2023

This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More

Rate History: 5.10% → 5.09% → 4.58% → 4.32% → 3.91%

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.00% → 3.90%

| Mar 20, 2025

A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More

Rate History: 4.60% → 4.30% → 4.20% → 4.05% → 3.90%

| Aug 13, 2023

Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.62% → 4.30% → 4.29% → 4.08% → 3.87%

| Jun 1, 2021

Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Rate History: 5.10% → 5.20% → 4.50% → 4.00% → 3.80%

| Nov 12, 2018

Helpful w/$ Read More

Rate History: 4.25% → 4.20% → 4.00% → 3.90% → 3.80%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 5.10% → 5.00% → 4.65% → 4.00% → 3.80%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More

Rate History: 1.50% → 2.50% → 4.00% → 3.75%

| Apr 25, 2023

with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More

Rate History: 4.00% → 3.75%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

Rate History: 4.00% → 3.75%

| 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

Rate History: 4.35% → 4.25% → 3.90% → 3.70%

| Jan 10, 2024

AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More

Rate History: 4.80% → 4.40% → 4.20% → 3.90% → 3.70%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More

Rate History: 2.02% → 2.78% → 3.55%

Rate History: 0.10% → 3.50%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

| Dec 22, 2018

I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More

| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%

| 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

Rate History: 4.65% → 3.75% → 3.50% → 3.25% → 3.00%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 0.65% → 3.25% → 3.00% → 3.20% → 3.00%

| May 26, 2017

Before009 Read More

2.79%

$1,000

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Rate History: 3.35% → 3.00% → 2.75%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%

| May 19, 2018

Experience Read More

Rate History: 5.25% → 4.65% → 4.55% → 3.45% → 2.50%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

Rate History: 2.50% → 2.51% → 2.01% → 2.00%

| 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

Rate History: 1.00% → 3.56% → 1.71%

Rate History: 3.00% → 2.00% → 1.50%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.11%

$1,000

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1.00%

$1,000

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| Apr 30, 2019

No issues. I feel confident using them. Read More

0.55%

$1,000

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0.50%

$100,000

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0.50%

$10,000

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0.45%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.35%

$2,500

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0.35%

$100,000

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| Mar 21, 2020

Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More

0.35%

$100,000

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0.35%

$100,000

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0.35%

$10,000

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0.30%

$500

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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| Mar 25, 2021

Stay away from this bank. I have never dealt with a bank that was so hard to deal with. It’s like pulling teeth to withdraw your own money. Read More

0.30%

$10,000

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0.30%

$100,000

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0.30%

$100,000

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0.30%

$10,000

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0.28%

$100,000

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0.25%

$1,000

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0.25%

$500

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0.25%

$10,000

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0.25%

$500

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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| Jan 18, 2024

Very rude!!!’ The only time they care about anyone is if you are a business they don’t care about the little guy!!! Read More

0.25%

$10,000

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| May 20, 2017

I received a check from them, misplaced it and now have found. Two years old. What now? Read More

0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$10,000

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0.24%

$100,000

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| 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

0.20%

$2,500

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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| Feb 5, 2020

We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More

0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.19%

$10,000

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0.18%

$10,000

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0.18%

$10,000

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0.17%

$10,000

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| 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

0.15%

$1,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$100,000

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0.15%

$10,000

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0.15%

$1,000

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0.15%

$10,000

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0.15%

$100,000

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0.13%

$100,000

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0.12%

$2,500

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| Sep 26, 2015

Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More

0.10%

$1,000

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0.10%

$500

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0.10%

$500

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| Sep 6, 2022

DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More

| Jul 18, 2021

I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More

0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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| Apr 1, 2020

We had a terrible experience with Extreme Loan we were refinancing our home on home on March 6, 2020. We were told that we would be locked in at 3% with no closing costs or points. My mortgage representati... Read More

0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$100,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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| Sep 6, 2022

DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More

0.08%

$10,000

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0.07%

$10,000

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| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

| 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

| Sep 6, 2022

DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More

0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

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0.05%

$10,000

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| 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

| Sep 6, 2022

DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More

0.03%

$500

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0.03%

$1,000

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| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

0.01%

$1,000

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All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
Regions Bank
Tower Branch
One Indiana Square Indianapolis IN
First Internet Bank of Indiana
First Internet Bank Of Indiana Branch
11201 Usa Parkway Fishers IN
Regions Bank
Tower Branch
One Indiana Square Indianapolis IN
Lake City Bank
Direct Banking Center- Www.Lakecityb Branch
Www.Lakecitybank.com Warsaw IN
Merchants Bank of Indiana
Merchants Bank Of Indiana Branch
11555 N. Meridian Street, Suite 400 Carmel IN
Greenfield Banking Company
New Palestine Branch
5783 W Us 52 New Palestine IN
Logansport Savings Bank
Logansport Savings Bank Branch
723 East Broadway Logansport IN
First Federal Savings Bank
Mishawaka Branch
906 W Edison Road Mishawaka IN
Fifth Third Bank, National Association
Clinton Branch
Third & Vine Clinton IN
First Robinson Savings Bank, National Association
Vincennes Branch
615 Kimmel Road Vincennes IN
Woodforest National Bank
0544 Avon Indiana Walmart Branch
9500 East Us Highway 36 Avon IN
Wells Fargo Bank, National Association
State & Sherman Branch
901 West State Boulevard Fort Wayne IN
State Bank of Medora
State Bank Of Medora Branch
24 E Main St Medora IN
JPMorgan Chase Bank, National Association
Washington-Mitthoefer Rd. Branch
9991 East Washington Street Indianapolis IN
The First National Bank of Monterey
North Judson Branch
902 West Talmer North Judson IN
Centier Bank
Fort Wayne Branch
10315 Dupont Circle Drive West Fort Wayne IN
Community First Bank of Indiana
Dixon Road Branch
2101 South Dixon Road Kokomo IN
Bedford Federal Savings Bank
John Williams Boulevard Branch
2955 John Williams Blvd Bedford IN
Field & Main Bank
Burkhardt Branch
1020 North Burkhardt Road Evansville IN
United Fidelity Bank, fsb
Newburgh Branch
8533 Bell Oaks Drive Newburgh IN
Alliance Bank
Winamac Branch
510 North Us Highway 35 Winamac IN
First Federal Savings Bank
Bell Oaks Drive Branch
8388 Bell Oaks Drive Newburgh IN
The First National Bank of Carmi
Poseyville Branch
State Route 165 And Frontage Road Poseyville IN
First State Bank of Porter
Chesterton Branch
429 North Calumet Road Chesterton IN
Peoples Community Bank SB of Monticello, Indiana
Peoples Savings And Loan Association Branch
126 Constitution Plz Monticello IN
The Home National Bank of Thorntown
Lebanon Branch
2510 N Lebanon St Lebanon IN
Union Savings Bank
Indianapolis Branch
5881 E. 82nd St Indianapolis IN
The Napoleon State Bank
Osgood Branch
910 South Buckeye Osgood IN
Kentland Bank
Lake Village Branch
Village Square Shopping Center Lake Village IN
Bedford Federal Savings Bank
John Williams Boulevard Branch
2955 John Williams Blvd Bedford IN
Community State Bank
Community State Bank Branch
244 West Main Brook IN
The Napoleon State Bank
Osgood Branch
910 South Buckeye Osgood IN
Kentland Bank
Lake Village Branch
Village Square Shopping Center Lake Village IN
The Farmers Bank, Frankfort, Indiana
Sheridan Branch
987 S. White Avenue Sheridan IN
The Peoples State Bank
Paragon Branch
State Road 67, Rr #1 Paragon IN
The New Washington State Bank
Sellersburg Branch
8509 Old State Road 60 Sellersburg IN
First Federal Savings Bank
First Federal Savings Bank Branch
648 N Jefferson St Huntington IN
The Farmers Bank of Milton
Madison In Branch
133 Cliffty Drive Madison IN
First State Bank of Porter
Chesterton Branch
429 North Calumet Road Chesterton IN
The Farmers & Merchants State Bank
Auburn Branch
403 Erie Pass Auburn IN
The Home National Bank of Thorntown
Lebanon Branch
2510 N Lebanon St Lebanon IN
Stock Yards Bank & Trust Company
Lake Plaza Drive Branch
6840 Lake Plaza Drive Indianapolis IN
First Federal Savings and Loan Association of Greensburg
Greensburg Branch
460 Greensburg Commons Greensburg IN
Fowler State Bank
Kentland Branch
607 E. Lincoln Street Kentland IN
Alliance Bank
Winamac Branch
510 North Us Highway 35 Winamac IN
Hoosier Heartland State Bank
Ladoga Branch
Main And Franklin Streets Ladoga IN
Tri-County Bank & Trust Company
Main Street Crawfordsville Branch
224 East Main Street Crawfordsville IN
The North Salem State Bank
Danville Branch
704 W Main St Danville IN
Bank of Wolcott
Remington Branch
506 N Maine St Remington IN
Crossroads Bank
W Connexion Way Branch
526 W. Connexion Way Columbia City IN
Republic Bank & Trust Company
Floyds Knobs Branch
4571 Duffy Road Floyds Knobs IN
The Friendship State Bank
The Friendship State Bank Branch
5908 E Main Street Friendship IN
The Campbell & Fetter Bank
Warsaw Branch
U.S. Highway 30 And Center Street Warsaw IN
Union Savings and Loan Association
Union Savings And Loan Association Branch
730 Central Avenue Connersville IN
First Bank Richmond
South A Street Motor Branch
601 South A Street Richmond IN
DeMotte State Bank
Morocco Branch
Main And State Streets Morocco IN
Providence Bank & Trust
Schererville Office Branch
950 W. Us Hwy 30 Schererville IN
Peoples Trust and Savings Bank
Paradise Branch
7199 Parker Drive Newburgh IN
LNB Community Bank
Boonville In Branch
910 West Main Street Boonville IN
Bath State Bank
West College Corner Branch
3828 South Highway 27 West College Corner IN
Spencer County Bank
Spencer County Bank Branch
55 North L J Koch Blvd. Santa Claus IN
The Garrett State Bank
Pine Valley Branch
811 Mill Lake Road Fort Wayne IN
Horizon Bank
350 South Branch
3602 Cougill Lane Lafayette IN
Community State Bank
Twelve Mile Branch
8070 State Road 16 Twelve Mile IN
Freedom Bank
Jasper Branch
75 South Us 231 Jasper IN
Grant County State Bank
Sweetser Branch
3988 West Delphi Road Sweetser IN
Wayne Bank and Trust Co.
Waytru Plaza Branch
500 South A Street Richmond IN
First Federal Savings Bank
First Federal Savings Bank Branch
648 N Jefferson St Huntington IN
Scottsburg Building and Loan Association
Scottsburg Building And Loan Associa Branch
306 West Mcclain Street Scottsburg IN
The Farmers Bank of Milton
Madison In Branch
133 Cliffty Drive Madison IN
Peoples Bank
Saint John In Branch
9903 Wicker Avenue Saint John IN
First Federal Savings Bank of Angola
First Federal Savings Bank Of Angola Branch
212 E Maumee Angola IN
The Farmers & Merchants State Bank
Auburn Branch
403 Erie Pass Auburn IN
Security Federal Savings Bank
Markland Avenue Branch
519 East Markland Avenue Kokomo IN
Bath State Bank
West College Corner Branch
3828 South Highway 27 West College Corner IN
1st Source Bank
St. Mary's College Branch
5445 State Road 993 North Notre Dame IN
Legence Bank
Virginia Street Branch
7325 East Virginia Street Evansville IN
Farmers and Merchants Bank
Farmers And Merchants Bank Branch
6464 Merchants Drive Laotto IN
Horizon Bank
350 South Branch
3602 Cougill Lane Lafayette IN
Owen County State Bank
Gosport Branch
West Main Street Gosport IN
First Financial Bank, National Association
First Financial Bank, National Association Branch
One First Financial Plz Terre Haute IN
Springs Valley Bank & Trust Company
3rd Avenue Branch
865 3rd Ave Jasper IN
FCN Bank, National Association
Everton Branch
5444 South State Road 1 Connersville IN
The Fairmount State Bank
The Fairmount State Bank Branch
101 North Main Street Fairmount IN
The National Bank of Indianapolis
Aul Branch
One American Square Suite 100 Indianapolis IN
Hendricks County Bank and Trust Company
Avon Office Branch
963 N State Road 267 Avon IN
The Fountain Trust Company
Brookston Branch
309 South Prairie Brookston IN
First Harrison Bank
Greenville Branch
9849 Highway 150 Greenville IN
The Farmers State Bank
Winchester Brance Branch
930 E Washington St Winchester IN
The Riddell National Bank
Center Point Branch
500 East Main Street Center Point IN
The Hicksville Bank
Auburn Banking Ctr Branch Of The Hic
1130 W 15th St Auburn IN
First Merchants Bank
Valparaiso Branch
855 Thornapple Way Valparaiso IN
Old National Bank
Southwest Branch
9898 Illinois Road Fort Wayne IN
The Bippus State Bank
Roanoke Branch
577 Geiger Drive Roanoke IN
Jackson County Bank
North Vernon Branch
611 A North State Street North Vernon IN
CentreBank
Covington Branch
315 Washington Street Covington IN
First Farmers Bank & Trust Co.
Clay City Branch
801 Main Street Clay City IN
First Savings Bank
Corydon Branch
900 Indiana 62 Nw Corydon IN
WesBanco Bank, Inc.
Floyds Knobs Branch
701 Highlander Point Drive Floyds Knobs IN
First Financial Bank, National Association
First Financial Bank, National Association Branch
One First Financial Plz Terre Haute IN
First National Bank
Cloverdale I70 Branch
1000 North Main Street Cloverdale IN
The Hometown Savings Bank
Riley Branch
7345 S. State Road 46 Terre Haute IN
Farmers State Bank
Ashley-Hudson Branch
West State Street And Grand Avenue Ashley IN
First State Bank of Middlebury
Mishawaka Branch
4101 Edison Lakes Parkway, Suite 140 Mishawaka IN
Hendricks County Bank and Trust Company
Avon Office Branch
963 N State Road 267 Avon IN
Home Bank SB
Birk Road Branch
670 Birk Road Martinsville IN
American Community Bank of Indiana
American Community Bank Of Indiana Branch
7880 Wicker Avenue Saint John IN
Boonville Federal Savings Bank
Boonville Federal Savings Bank Branch
123 N Third Street Boonville IN
First Merchants Bank
Valparaiso Branch
855 Thornapple Way Valparaiso IN
First State Bank of Middlebury
Mishawaka Branch
4101 Edison Lakes Parkway, Suite 140 Mishawaka IN
Citizens State Bank of New Castle, Indiana
Dunkrik Branch
714 North Main Street Dunkirk IN
KeyBank National Association
Greenwood Branch
980 East Main Street Greenwood IN
BMO Bank National Association
Geist Branch
9775 Fall Creek Road Indianapolis IN
First Merchants Bank
Valparaiso Branch
855 Thornapple Way Valparaiso IN
The State Bank and Trust Company
Fort Wayne Branch
12832 Coldwater Road Fort Wayne IN
First Financial Bank
Rossville Branch
358 West Main Street Rossville IN
STAR Financial Bank
Gas City Branch
931 East Main Street Gas City IN
Greenville National Bank
Losantville Branch
9700 South Us 35 Losantville IN
The National Bank of Indianapolis
Aul Branch
One American Square Suite 100 Indianapolis IN
Mutual Savings Bank
Mutual Savings Bank Branch
80 East Jefferson Street Franklin IN
Old Plank Trail Community Bank, National Association
First National Bank Of Illinois Bran Branch
1101 Joliet Street Dyer IN
Banterra Bank
Evansville West - 4200 Branch
705 North Saint Joseph Avenue Evansville IN
U.S. Bank National Association
Richmond Main Branch
800 East Main Richmond IN
First Merchants Bank
Valparaiso Branch
855 Thornapple Way Valparaiso IN
Citizens Bank
Eminence Branch
Highway 42 And Highway 142 Eminence IN
State Bank
56th Street Branch
900 East 56th Street Brownsburg IN
PNC Bank, National Association
Pnc Bank, National Association Branch
U.S. Highway 24 East Logansport IN
First Bank of Berne
Peru Branch
915 W Main St Peru IN


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

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.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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