CD Rates

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• 6-month CDs

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We have a tie at the top.

Two banks offer the best nationally available deal of 0.85% APY on 6-month CDs.

In all, eight banks offer 6-month CD rates of as much as 0.75% APY to savers in all 50 states.

The banks that tie for the best deal are:

AloStar Bank of Commerce, an online bank based in Birmingham, Ala., which requires a $1,000 minimum deposit.

KeySource Commercial Bank, with a single branch in Durham, N.C. It requires a $100 minimum deposit for CDs purchased in person, over the phone or through the mail and a $5,000 minimum to purchase CDs online.

Both banks are FDIC-insured and pay almost four times the national average for 6-month CD rates, which is 0.22% APY, according to our most recent survey of large banks and thrifts.

As of Feb. 17, 2012, six other banks offer CD rates of at least 0.75% APY:

Virtual Bank, the online division of Sabadell United Bank, based in Miami, pays 0.80% APY with a $10,000 minimum deposit.

Colorado Federal Savings Bank, an online bank based in Greenwood Village, Colo., pays 0.80% APY with a $5,000 minimum deposit.

Discover Bank, an online bank owned by the credit card company, pays 0.75% APY with a $2,500 minimum deposit.

Doral Bank Direct, the online bank of Doral Bank, the leading community bank in Puerto Rico that also has five branches in northwest Florida and two in New York City, pays 0.75% APY with a $1,000 minimum deposit.

Acacia Federal Savings Bank, an online bank owned by Acacia Life Insurance Co. based in Falls Church, Va., pays 0.75% APY with a $500 minimum deposit.

Ascencia, the online division of PBI Bank in Louisville, Ky., pays 0.75% with a $500 minimum deposit.

To qualify for this list, a bank must allow savers from all 50 states to buy its certificates of deposit online or through the mail.

Click here to compare these returns with the top CD rates from dozens of banks in your area.

Our CD calculator will help you figure out the interest you'll earn, for any term, amount and interest rate.

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