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Image Courtesy: www.pixabay.com
You are viewing rates from banks across McKinney
Below are the best six-month CD Rates from banks with branches in McKinney, Texas . 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.
McKinney, TX - August 1, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.75% 4.28% |
$100,000 $1,000 |
23.25 |
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4.50% |
$50,000 |
17.53 |
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Rate History: 4.50% → 4.75% → 4.50% → 4.30% → 4.50% |
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Geoffrey Christopher 1 | 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 |
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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 |
- |
Learn More
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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 |
- |
Learn More
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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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4.20% |
$1,000 |
14.32 |
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Rate History: 5.15% → 5.25% → 5.15% → 4.75% → 4.20% |
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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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4.05% |
$1,000 |
21.46 |
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Rate History: 4.92% → 4.05% |
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6CellBattery | Aug 26, 2023 I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go ... Read More |
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3.35% |
$500 |
11.82 |
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Rate History: 4.07% → 3.71% → 3.51% → 3.35% |
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3.05% |
$1,000 |
20.58 |
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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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2.79% |
$1,000 |
17.94 |
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2.75% |
$500 |
21.66 |
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Rate History: 3.35% → 3.00% → 2.75% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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0.75% |
$10,000 |
24.76 |
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Rhepler | Aug 4, 2022 Great CD rates & service Read More |
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0.60% |
$10,000 |
20.68 |
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0.50% |
$1,000 |
19.88 |
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Randall Stewart | Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More |
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0.50% |
$10,000 |
7.08 |
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0.50% |
$10,000 |
21.33 |
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0.45% |
$100,000 |
17.39 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.40% |
$10,000 |
23.36 |
Learn More
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rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
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0.38% |
$100,000 |
14.41 |
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0.35% |
$100,000 |
21.81 |
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0.35% |
$10,000 |
8.26 |
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0.35% |
$100,000 |
18.03 |
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0.33% |
$1,000 |
19.75 |
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$10,000 |
19.52 |
Learn More
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elizabethcoker22@gmail.com | Mar 6, 2021 My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More |
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0.30% |
$10,000 |
19.05 |
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0.30% |
$100,000 |
21.75 |
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0.30% |
$10,000 |
13.47 |
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0.30% |
$10,000 |
17.39 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.30% |
$10,000 |
18.03 |
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0.30% |
$100,000 |
17.18 |
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0.25% |
$50,000 |
12.44 |
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0.25% |
$100,000 |
13.99 |
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0.25% |
$10,000 |
21.81 |
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0.25% |
$10,000 |
17.39 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.25% |
$10,000 |
14.22 |
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0.25% |
$10,000 |
22.35 |
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0.25% |
$10,000 |
23.36 |
Learn More
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rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
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0.25% |
$100,000 |
13.92 |
Learn More
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0.25% |
$10,000 |
21.75 |
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0.25% |
$10,000 |
21.83 |
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0.25% |
$10,000 |
17.18 |
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0.23% |
$10,000 |
14.41 |
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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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0.20% |
$1,000 |
12.56 |
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0.20% |
$10,000 |
13.99 |
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0.20% |
$10,000 |
13.02 |
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0.20% |
$10,000 |
15.49 |
Learn More
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joann.burbridge@yahoo.com | Mar 16, 2020 What is the current 30 year mortgage rate? Read More |
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0.20% |
$10,000 |
13.92 |
Learn More
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0.20% |
$10,000 |
19.41 |
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 |
6.74 |
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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 |
16.21 |
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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0.10% |
$10,000 |
2.93 |
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0.10% |
$10,000 |
12.64 |
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0.10% |
$10,000 |
5.15 |
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0.10% |
$100,000 |
22.23 |
Learn More
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0.05% |
$1,000 |
17.53 |
Learn More
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HB | Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More |
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0.05% |
$10,000 |
22.23 |
Learn More
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0.05% |
$500 |
20.99 |
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 |
23.55 |
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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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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