Best 6-Month CD Rates for June 2025: Up to 4.60%

The best 6-month CD rate right now is 4.60% APY, offered by 🌺Newtek Bank for a 9-month term. Other top nationwide 6-month CD rates range from 4.45% to 4.50% on terms of 5 to 9 months. All of Investopedia’s 6-month CD rates in this article were verified by a staff editor and are available to open as of June 6, 2025.

澳洲幸运5官方开奖结果体彩网:Certificates of deposit (CDs) are great savings products if you’re looking for a guaranteed return. Once you open a CD and deposit your money, you’re locking in that interest rate—so you will know exactly how much you’ll earn by the end of the term. The more you deposit, the more you can earn. The only thing to be careful about is the early withdrawal penalty, which is typically a few months’ worth of interest. (You won’t lose your initial deposit.) But as long as you don’t withdraw your funds early, you can cash out the CD at the end of the term with virtually no risk.

In the News

The Fed held rates steady 𝔍for a third consecutive time at its May 7 meeting. Three rate cuts from September through December last year lowered the 澳洲幸运5官方开奖结果体彩网:federal funds rate by a full percentage point to a range of 4.25%–4.50%, its lowest range since February 2023. CD rates closely follow the fed funds rate, which means CD rates are expected to come down if the Fed lowers rates.

Below are the top CD and annuity rates available from our partners, followed by the best CD rates that we've found from 澳洲幸运5官方开奖结果体彩网:our research that are available to U.S. customers 🎐everywhere:

The Best 6-Month CD Rates Right Now

澳洲幸运5官方开奖结果体彩网:Newtek Bank – 4.60% APY
澳洲幸运5官方开奖结果体彩网:Vibrant Credit Union – 4.50% APY
澳洲幸运5官方开奖结果体彩网:SouthEast Bank – 4.50% APY
澳洲幸运5官方开奖结果体彩网:Liberty Federal Credit Union – 4.50% APY
澳洲幸运5官方开奖结果体彩网:Communitywide Federal Credit Union – 4.50% APY
澳洲幸运5官方开奖结果体彩网:ableBanking – 4.50% APY
澳洲幸运5官方开奖结果体彩网:Paramount Bank – 4.50% APY
澳洲幸运5官方开奖结果体彩网:Presidential Bank – 4.50% APY*
澳洲幸运5官方开奖结果体彩网:Jovia Financial Credit Union – 4.50% APY*
– 4.50% APY
OMB – 4.50% APY
澳洲幸运5官方开奖结果体彩网:First Internet Bank – 4.49% APY
澳洲幸运5官方开奖结果体彩网:Genisys Credit Union – 4.48% APY
澳洲幸运5官方开奖结果体彩网:Colorado Federal Savings Bank – 4.45% APY
澳洲幸运5官方开奖结果体彩网:Pacific National Bank – 4.45% APY

To be included in Investopedia’s ranking of the best 6-month CD rates, the CD must have🃏 a term of 5-9 months. When different banks orℱ credit unions offer the same annual percentage yield (APY), we rank the shortest CD term first, then the CD with the smaller minimum deposit. If there’s still a tie, we rank the institutions alphabetically by name.

Why You Should Trust Us

Investopedia launched in 1999. Its team of full-time editors, researchers, and compliance managers has been collecting first-party CD rate data and ranking the best 6-month CD rates since 2020. Our staff works hard every business day to keep this article up-to-date and accurate. We monitor interest rate changes on banks and credit union websites every weekday and make changes to our content as needed. Our team aims to be unbiased to ensure you’re getting the best CD rate recommendations.

澳洲幸运5官方开奖结果体彩网:Newtek Bank – 4.60% APY

Term (months): 9
Minimum deposit: $2,500
Early withdrawal penalty: 3 months of interest
Overview: Newtek Bank is a subsidiary of Newtek One (澳洲幸运5官方开奖结果体彩网:NASDAQ: NEWT), a financial company that dates back to 2000. Newtek Bank is headquartered in Miami.
Rate verified as of June 6, 2025

Note: Newtek Bank also offers a 6-month term with a 4.50% APY.

澳洲幸运5官方开奖结果体彩网:Vibrant Credit Union – 4.50% APY

Term (months): 6
Minimum deposit: $5
Early withdrawal penalty: All earned interest
Overview: Anyone can join Vibrant Credit Union through membership in the Illinois Consumer Council and by maintaining a balance of $5 in a savings account. Headquartered in Moline, Illinois, Vibrant dates back to 1935.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:SouthEast Bank – 4.50% APY

Term (months): 6
Minimum deposit: $1,000
Early withdrawal penalty: 1 month of interest
Overview: Established in 2002, SouthEast has 14 branches across Tennessee and serves customers nationwide through digital banking and the AllPoint network. Headquartered in Farragut, Tennessee, SouthEast Bank was established in 2002.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖ꦕ结果体彩网:Liberty Federal Credit Union –♌ 4.50% APY

Term (months): 6
Minimum deposit: $1,000
Early withdrawal penalty: 3 months of interest ($50 minimum)
Overview: Anyone can join Liberty by donating $5 to the Mater Dei Friends & Alumni Association and holding at least $5 in a savings account. Headquartered in Evansville, Indiana, the credit union dates back to 1936.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结🎉果体彩网:Communitywide Federal Credit Union – 4.50% APY

Term (months): 6
Minimum deposit: $1,000
Early withdrawal penalty: Complex formula; refer to disclosures and exercise caution.
Overview: Anyone can join CommunityWide by donating $15 to the credit union's local chapter of the Marine Corps, as well as keeping $5 or more in a savings account. CommunityWide was founded in 1967, and now operates in Michigan and Indiana.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:ableBanking – 4.50% APY

Term (months): 6
Minimum deposit: $5,000
Early withdrawal penalty: 3 months of interest
Overview: This is an online division of Northeast Bank, established in 1872 and headquartered in Portland, Maine.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Paramount Bank – 4.50% APY

Term (months): 7
Minimum deposit: $1,000
Early withdrawal penalty: 3 months of interest
Overview: Primarily a mortgage lender, established in 1970, St. Louis-based Paramount Bank was reorganized in 2004 and offers a selection of online consumer deposit accounts.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Presidential Bank – 4.50% APY*

Term (months): 7
Minimum deposit: $1,000
Early withdrawal penalty: 6 months of interest
Overview: Presidential Bank was established in 1985 and is headquartered in Bethesda, Maryland.
Rate verified as of June 6, 2025

*New money only

澳洲幸运5官方开奖结果体彩网:Jovia Financial Credit Union – 4.50% 🏅APY*

Term (months): 8
Minimum deposit: $100
Early withdrawal penalty: 3 months of interest
Overview: Anyone can join Jovia by agreeing to a free membership in the affiliated CrossState Foundation and keeping at least $5 in a savings account. Jovia Financial Credit Union was established in 1938 and is headquartered in Westbury, New York.
Rate verified as of June 6, 2025

*New money only

Term (months): 9
Minimum deposit: $500
Early withdrawal penalty: 3 months of interest
Overview: Headquartered in Fort Wayne, Indiana, Partners 1st dates back to 1952. Anyone nationwide is eligible for membership by joining Tru Direction, a nonprofit organization dedicated to financial literacy.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:OMB – 4.50%

Term (months): 9
Minimum deposit: $1,000
Early withdrawal penalty: 4½ months of interest
Overview: Formerly Old Missouri Bank, OMB changed its name in 2023. It has multiple branches in Missouri and also is available nationwide through online and mobile banking.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:First Internet Bank – 4.49% APY

Term (months): 6
Minimum deposit: $1,000
Early withdrawal penalty: 6 months of interest
Overview: First Internet Bank is so named because it claims to be the first FDIC-insured bank to operate exclusively online. Founded in 1999, it is based in the Indianapolis suburb of Fishers, Ind.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Genisys Credit Union – 4.48% APY

Term (months): 7
Minimum deposit: $500
Early withdrawal penalty: 3 months of interest
Overview: Anyone can join Genisys by making a $5 donation to the Arthritis Foundation or the Paint Creek Center for the Arts and keeping at least $5 in a member savings account. Genisys Credit Union was chartered in 1964 and is headquartered in Auburn Hills, Michigan.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Colorado Federal Sꩵa꧂vings Bank – 4.45% APY

Term (months): 6
Minimum deposit: $5,000
Early withdrawal penalty: 3 months of interest
Overview: Colorado Federal was founded in 1990 and is headquartered in Greenwood Village, Colorado. In addition to serving communities across the state, it serves customers nationwide with online banking.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Pacific National Bank – 4.45% APY

Term (months): 9
Minimum deposit: $1,000
Early withdrawal penalty: 7 days of interest if withdrawal is made within 6 days of opening account; otherwise 1 month of interest
Overview: Pacific National Bank dates back to 1982 and is headquartered in Miami, Florida.
Rate verified as of June 6, 2025

Compare the Top-Paying 6-Month CDs

Institution	APY	Term	Minimum Deposit	Early Withdrawal Penalty
澳洲幸运5官方开奖结果体彩网:Newtek Bank	4.60%	9 months	$2,500	3 months of interest
澳洲幸运5官方开奖结果体彩网:Vibrant Credit Union	4.50%	6 months	$5	All earned interest
澳洲幸运5官方开奖结果体彩网:SouthEast Bank	4.50%	6 months	$1,000	1 month of interest
澳洲幸运5官方开奖结果体彩网:Liberty Federal Credit Union	4.50%	6 months	$1,000	3 months of interest ($50 minimum)
澳洲幸运5官方开奖结果体彩网:Communitywide Federal Credit Union	4.50%	6 months	$1,000	Complex formula; exercise caution
澳洲幸运5官方开奖结果体彩网:ableBanking	4.50%	6 months	$5,000	3 months of interest
澳洲幸运5官方开奖结果体彩网:Paramount Bank	4.50%	7 months	$1,000	3 months of interest
澳洲幸运5官方开奖结果体彩网:Presidential Bank	4.50%	7 months	$1,000	6 months of interest
澳洲幸运5官方开奖结果体彩网:Jovia Financial Credit Union	4.50%	8 months	$100	3 months of interest
	4.50%	9 months	$500	3 months of interest
OMB	4.50%	9 months	$1,000	4½ months of interest
澳洲幸运5官方开奖结果体彩网:First Internet Bank	4.49%	6 months	$1,000	6 months of interest
澳洲幸运5官方开奖结果体彩网:Genisys Credit Union	4.48%	7 months	$500	3 months of interest
澳洲幸运5官方开奖结果体彩网:Colorado Federal Savings Bank	4.45%	6 months	$5,000	3 months of interest
澳洲幸运5官方开奖结果体彩网:Pacific National Bank	4.45%	9 months	$1,000	7 days of interest if withdrawal is made within 6 days of opening account; otherwise 1 month of interest

Fast Fact

When asked in March where they would be most likely to put an extra $10,000, 澳洲幸运5官方开奖结果体彩网:10% of Investopedia readers said they would choose CDs, above high-yield savings accounts and paying down debt, but trailing individual stocks, ETFs, and money market funds.

How We Find the Best 6-Month CD Rates

Every weekday for over four years, Investopedia’s team of full-time staff editors, research analysts, and compliance managers use tools to collect data on more than 200 banks and credit unions that offer CDs. We have a designated editor check 𝓡all rates in articles once per day and double-check rates weekly. We also regularly add institutions as they expand their availability or we learn of new nationwide CD offerings.

All CDs in our database must be available nationwide to qualify for our rankings. We collect, track, and verify CD rates for terms ranging from 3 months to 10 years. All banks and credit unions in our articles must also be federally insured by the FDIC or NCUA. A CD’s minimum deposit must not be more than $25,000, and the maximum deposit can’t be less than $5,00🐎0.

Banks must be available in at least 40 states to qualify for our best CD rates articles. Credit unions may require you to donate or join a nonprofit or association in order to become a member if you don’t meet its other membership requirements (like living in the state or working in an industry). A credit union that charges $40 or more for its donation or membership requirement is excluded from our article. Read more about 澳洲幸运5官方开奖结果体彩网:Investopedia’s CD a⭕nd savings rates methodology to learn how our team of ꦛfull-time staff developed this strategy for ranki🌱ng the best rates.

Your Guide to CDs

*Disclosure: Annuity rates are subject to change at any time and the rate mentioned may no longer be current. Please visit for current rates, full product disclosures, and disclaimer. Withdrawals above the 10 percent free withdrawal amount subject to a withdrawal charge and market value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity, instead, it is taxed annually.

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