Best 6-month CD rates for January 2026: Earn up to 4.05% APY

Looking to grow your savings without locking your money away for years? A 6-month certificate of deposit (CD) can be the sweet spot between safety, flexibility, and a better yield on your savings than a typical savings account can offer. Our team evaluated dozens of accounts to determine the 10 best 6-month CDs available today. Find out where you can earn the most on your savings with minimal fees, low deposit requirements, and excellent customer service. (See our full methodology here.) Best 6-month CD ...