Highest 6-Month CDs Offered in 2026

Several financial institutions have announced new 6-month certificate of deposit (CD) rates, with some offering as high as 4.15% annual percentage yield (APY). This is one of the highest 6-month CD rates seen in recent months. Key Bank has launched a 6-month CD with an APY of 4.14%, while Ally Bank and Marcus by Goldman Sachs are also offering 6-month CDs at 4.12% and 4.10% APY, respectively. CIT Bank’s 6-month Premier High Yield CD is another option for investors looking to earn a high rate. With an APY of 4.05%, it’s one of the most competitive options available. It’s worth noting that these rates are subject to change and may not be available in all states or at all branches. Investors should carefully review the terms and conditions before making a decision, as some CDs may come with penalties for early withdrawal or have minimum balance requirements. For those looking to earn a high rate on their savings, 6-month CDs can be an attractive option. However, it’s essential to weigh the benefits against any potential drawbacks, such as the need to keep funds locked in the CD for a specified period.