4.10% APY
6 months
N/A
$2,500
Newtek Bank stands out as the top choice because it offers one of the highest rates for a 6-month CD at 4.10% APY, making it an attractive option for savers looking for short-term investments.
Pros:
- Competitive rates
- No monthly fees
Cons:
- Higher minimum deposit
4.00% APY
6 months
N/A
$1,500
What sets Bread Savings apart is its daily compounding interest feature, which can enhance earnings over the 6-month term, making it a solid choice for those who prefer a lower minimum deposit.
Pros:
- Daily compounding interest
- Lower minimum deposit
Cons:
- Slightly lower APY compared to top competitors
4.05% APY
6 months
N/A
$500
Marcus by Goldman Sachs shines for its low minimum deposit requirement of just $500, combined with a 10-day rate guarantee that allows customers to secure the best rate available.
Pros:
- Low minimum deposit
- 10-day rate guarantee
Cons:
- Early withdrawal penalties apply
3.85% APY
6 months
N/A
$1,000
A key differentiator for NASA Federal Credit Union is its competitive APY of 3.85% for a 6-month CD, which is appealing for members looking for reliable returns.
Pros:
- Competitive APY
- Membership benefits
Cons:
- Higher minimum deposit compared to some online banks
3.90% APY
6 months
N/A
$1,000
Bask Bank offers a competitive 3.90% APY for its 6-month CD, making it a solid choice for those looking to maximize short-term savings with a fixed-rate investment.
Pros:
- Fixed-rate account
- Short-term investment option
Cons:
- Early withdrawal penalties apply
4.00% APY
6 months
N/A
$5,000
Colorado Federal Savings Bank provides a competitive 4.00% APY for its 6-month CD, appealing to those who can meet the higher minimum deposit requirement for a secure investment.
Pros:
- High APY
- FDIC insured
Cons:
- Higher minimum deposit
Final Words
In conclusion, as you explore the best 6-month CD rates available this April 2026, consider top providers like Newtek Bank, Marcus by Goldman Sachs, Ally Bank, and Discover Bank, all offering competitive rates to help you maximize your savings. Remember to compare these options to find the best fit for your financial goals, ensuring you secure the highest return on your investment.
Frequently Asked Questions
The best 6-month CD rates in April 2026 include: Newtek Bank at 4.10% APY, Bread Savings at 4.00% APY, and Marcus by Goldman Sachs at 4.05% APY.
The minimum deposit required to open a 6-month CD at Newtek Bank is $2,500.
To open a 6-month CD with Bread Savings, you need a minimum deposit of $1,500.
The minimum deposit for a 6-month CD with Marcus by Goldman Sachs is $500.
6-month CDs generally offer lower interest rates than longer-term CDs, but they provide quicker access to funds, making them suitable for those who may need their money sooner.
When a 6-month CD matures, the bank will usually notify you, and you can choose to withdraw your funds, roll them over into a new CD, or transfer them to another account.
Yes, 6-month CDs offered by FDIC-insured banks are insured up to $250,000 per depositor, providing a safety net for your investment.
Penalties for early withdrawal from a 6-month CD vary by provider but can include forfeiting some or all of the interest earned or a flat fee.
Compare CD Rates
Summary of all rates from our cd rate pages. Click column headers to sort.
| Provider ↕ | Rate ↓ | Term ↕ | Min Deposit | |
|---|---|---|---|---|
| Newtek Bank | 4.20% APY | 9 months | $2,500 | Learn more |
| Langley FCU | 4.11% APY | 14 months | $500 | Learn more |
| Limelight Bank | 4.10% APY | 1 year | $1,000 | Learn more |
| America First Federal Credit Union | 4.10% APY | 5 years | $500 | Learn more |
| SchoolsFirst Federal Credit Union | 4.10% APY | 5 years | $500 | Learn more |
| Synchrony Bank | 4.10% APY | 14 months | $0 | Learn more |
| Capital One | 4.10% APY | 11 months | $0 | Learn more |
| Marcus by Goldman Sachs | 4.05% APY | 6 months | $500 | Learn more |
| Popular Direct | 4.05% APY | 1 year | $10,000 | Learn more |
| Sallie Mae Bank | 4.00% APY | 5 years | $2,500 | Learn more |
| Bread Savings | 4.00% APY | 6 months | $1,500 | Learn more |
| Colorado Federal Savings Bank | 4.00% APY | 6 months | $5,000 | Learn more |
| American Express | 4.00% APY | 14 months | $0 | Learn more |
| TAB Bank | 3.90% APY | 1 year | $1,000 | Learn more |
| Bask Bank | 3.90% APY | 6 months | $1,000 | Learn more |
| NASA Federal Credit Union | 3.85% APY | 6 months | $1,000 | Learn more |
| BTG Pactual Bank | 3.80% APY | 5 years | $500 | Learn more |
| The Golden 1 Credit Union | 3.80% APY | 5 years | $500 | Learn more |
