Earn 2.50% With Top 6-Month CD Rates

Six-month CD rates have slumped to record lows the summer.

The average return is a depressing 0.89% APY, the lowest it’s been since Bankrate began tracking 6-month CD rates in January 1984.

But you can still earn 2%, or close to it, on these short-term certificates of deposit if you take advantage of the very best deals.

These offers top our list of the highest-paying 6-month CDs available nationwide:

2.50% APY with a $1,000 minimum from Wilshire State Bank, based in Los Angeles with branches in Southern California, New York, New Jersey and Texas.

This is actually more than the best 6-month CDs were paying back in April when Ebank in Atlanta was offering 2.30%.

2.00% APY with an $8,000 minimum deposit from UFB Direct. The CDs it sells actually come from Waterfield Bank, which has a couple of branches in Carmel, Ind., and Germantown, Md.

1.95% APY with a $10,000 minimum deposit from Corus Bank in Chicago.

1.95% APY with a $500 minimum deposit from Ascencia Bank, an online operation of Porter Bancorp, which also owns PBI Bank of Louisville, Ky.

Click here to compare these returns with the best
CD rates from dozens of other banks in our extensive database.