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You are viewing rates from banks across Gardner
Below are the best six-month CD Rates from banks with branches in Gardner, Massachusetts . 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.
Gardner, MA - August 1, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.50% 4.00% |
$500 $501 |
22.84 |
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Rate History: 4.75% → 5.15% → 5.00% → 4.75% → 4.50% |
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Maggie | May 11, 2023 They made mistakes twice and would not correct them Read More |
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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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4.15% |
$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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3.75% |
$10,000 |
0.23 |
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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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3.30% |
$1,000 |
13.90 |
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Rate History: 4.50% → 0.75% → 3.00% → 0.75% → 3.30% |
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sur | Aug 16, 2019 Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More |
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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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2.75% 0.05% |
$10,001 $10,000 |
16.81 |
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Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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0.80% |
$1,000 |
12.19 |
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Rate History: 0.75% → 0.80% |
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burtlaman@verizon.net | Jun 13, 2016 I'm interested in your special sav send info Read More |
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0.75% |
$1,000 |
23.43 |
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0.50% |
$500 |
9.40 |
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0.50% |
$10,000 |
23.62 |
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0.50% |
$2,500 |
20.59 |
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0.35% |
$10,000 |
14.19 |
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0.35% |
$10,000 |
11.53 |
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0.25% |
$500 |
12.79 |
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0.20% |
$1,000 |
- |
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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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0.15% |
$10,000 |
- |
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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% |
$10 |
19.38 |
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0.10% |
$1,000 |
12.77 |
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0.10% |
$10,000 |
17.28 |
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Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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0.05% |
$10 |
23.45 |
Learn More
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Rate History: 0.50% → 4.07% → 0.05% |
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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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