Top 6-Month CD Rates for December 2024

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Acevedo","sameAs":"https://www.businessinsider.com/author/sophia-acevedo"},{"@type":"Person","name":"Kit Pulliam","sameAs":"https://www.businessinsider.com/author/kit-pulliam"},{"@type":"Person","name":"Evelyn He","sameAs":"https://www.businessinsider.com/author/evelyn-he"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Top 6-Month CD Rates for December 2024","alternativeHeadline":"Best 6-Month CD Rates for December 2024: Short-Term Savings, Smart Returns","image":{"@type":"ImageObject","url":"https://i.insider.com/5f88afbe9e9fe400190099e5?width=1200&format=jpeg","width":1200,"height":900,"caption":"The best 6-month CD rates have low minimum opening deposits."},"name":"Best 6-Month CD Rates for December 2024: Short-Term Savings, Smart Returns","datePublished":"2024-12-03T17:56:34Z","dateModified":"2024-12-03T17:56:34Z","description":"Discover the best 6-month CD rates. The best 6-month CDs pay up to 5.00% APY. We monitor CD rates daily to find the top 1-year CD rates for December.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.At Business Insider, we monitor CDs available at top banks and credit unions every day to help you find the best 6-month CD for you. A 6-month CD can be a good choice if you're looking for a short-term CD that offers a high interest rate. The national average CD rate on a 6-month term is 1.68% APY (Annual Percentage Yield) according to the FDIC, but the best 6-month CD rates are much higher.However, there are much higher interest rates on 6-month CDs right now. The best CD rate for a 6-month term is 4.75% to 5.00% APY available at Vibrant Credit Union.Below, you'll find our top picks for the best 6-month terms currently offered by nationwide banks and credit unions.The best 6-month CDs pay high interest rates, and many of them have low minimum opening deposits and low early withdrawal penalties.You can find the top CDs primarily at online banks. That said, there are also two credit unions with competitive 6-month terms.When you are choosing a CD, you can compare different features to narrow down the best fit. For example, consider how much money you want to deposit and see if the bank's minimum opening deposit requirements aren't a reach. You can also weigh the overall banking experience and check out the bank's customer service availability and mobile app ratings before settling on an account.You might also want to look for eco-friendly banks or community development financial institutions. Both of these types of financial institutions use the money you put in the bank for good; eco-friendly banks help the environment, while CDFIs provide financial services to underserved banking populations. Opening a CD with one of these financial institutions can be an easy way to support causes you care about.These are our picks for the best 6-month CD rates. Our top picks for CDs are protected by FDIC or NCUA insurance. If you're worried about bank failures, keep in mind money is safe at a federally insured financial institution. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account.Vibrant Credit Union offers a good rate on its 6-month CD. The CD has a very low minimum opening deposit of $5, which could be helpful if you want to open a CD with a small amount of money. If you have a Preferred Savings account or an Elite Savings account with Vibrant Credit union, you'll earn a higher rate.Vibrant Credit Union is a credit union anyone can join by becoming a member of the Illinois Consumer Council. You can also qualify if you're an employee of a select employer group, a family member of a current Vibrant member, or if you live or work in certain parts of Illinois, Indiana, Iowa, or Wisconsin.APY for 6-month CD: 4.75% to 5.00% APY6-month CD early withdrawal penalty: All of the interest accruedFirst Tech Federal Credit Union is a credit union anyone can join. Not only does it offer good rates on its 6-month CD, but it also doesn't charge early withdrawal penalties for its 6-month CD as long as you don't withdraw money within the first six days or withdraw within 6 days of making another partial withdrawal. It also has a low minimum opening deposit of $500.You'll need to use new money to fund its 6-month CD; if you already have a First Tech Federal Credit Union account that you keep most or all of your money in, this might not be a good choice for you.The easiest way to join First Tech Federal Credit Union is to become a member of the Computer History Museum or Financial Fitness Association. Joining the former costs $15, while joining the latter costs $8. You can join both organizations as part of your application process. Other ways you can become a First Tech member include working for a select employer group, working for the state of Oregon, living or working in a specific area of Oregon, or having a family or household member who's already a part of First Tech.APY for 6-month CD: 4.75% APY6-month CD early withdrawal penalty: 7 days of simple interest if withdrawn during the first six days or withdrawn within 6 days of another withdrawal; otherwise, noneBellco Credit Union is a credit union anyone in the U.S. can join and it offers a strong rate on its 6-month CD. It also has a low minimum opening deposit of $500.The easiest way to join Bellco is by joining the Bellco Foundation. You'll need to make a $5 donation as part of the joining process. You can also be eligible to join the credit union by living in certain parts of Colorado, by working for one of Bellco's select employee groups, or by having a family member who's already part of the credit union.APY for 6-month CD: 4.75% APY6-month CD early withdrawal penalty: 90 days of interestNewtek's 6-month CD has one of the best rates currently offered. Newtek Bank CDs may be appealing if you're searching for a variety of terms that pay well above the national average. Newtek Bank also has standard early withdrawal penalties.Newtek Bank CDs have a $2,500 minimum opening deposit. Other financial institutions may let you open a CD with less money upfront.APY for 6-month CD: 4.75% APY6-month CD early withdrawal penalty: 90 days of interestNewtek Bank Savings ReviewTotalBank CDs may be a good choice if you're searching for a variety of short-term CDs with high interest rates. The 3-month and 6-month terms, in particular, offer CD rates significantly above the national average.TotalDirectBank CDs have a steep minimum opening deposit of $25,000 and a maximum deposit of $1 million. The online institution also doesn't operate in Florida, Samoa, Guam, the Northern Mariana Islands, or U.S. Virgin Islands.APY for 6-month CD: 4.71% APY6-month CD early withdrawal penalty: 30 days of interestBread Savings is one of the top banks for 6-month CD rates. It also offers a high-yield savings account and other CD terms that pay above the national average.This CD comes with a $1,500 minimum opening deposit, which is a bit steeper than other banks. If you don't plan to put a lot of money into your CD, you might want to consider one of our other options. APY for 6-month CD: 4.65% APY6-month CD early withdrawal penalty: 90 days of interestBread Savings ReviewLimelight Bank is an online division of CCBank, and it offers good rates on its 6-month CD.Limelight Bank doesn't offer very many term lengths for its CDs; it only has 6-month, 1-year, 18-month, and 3-year CDs. The bank doesn't offer other types of bank accounts, either. If you're hoping to open CDs with term lengths over 3 years, or if you're looking for a primary bank, you might prefer another option.APY for 6-month CD: 4.65% APY6-month CD early withdrawal penalty: 90 days of interestPopular Direct, the online division of Popular Bank, pays high CD rates overall. It also compounds interest daily, which helps grow your money more quickly than monthly or quarterly compounding.You need at least $10,000 to open a CD with Popular Direct. It also charges relatively high early withdrawal penalties.APY for a 6-month term: 4.61% APY6-month CD early withdrawal penalty: 120 days of simple interestPopular Direct ReviewAmerica First Credit Union offers one of the best rates for 6-month CDs, and you only need $500 to open it — which is less than you'll need with many institutions. It also charges relatively low early withdrawal penalties.This credit union is a great choice if you live in certain areas in the Western United States. Membership is available to people who live, work, study, worship or volunteer in select counties of Arizona, Idaho, New Mexico, Nevada, Oregon, and Utah. You're also eligible to join if you work for a company on its Select Employer Group list or are a member of an affiliated association.APY for 6-month CD: 4.55% APY6-month CD early withdrawal penalty: 60 days of interestAmerica First Credit Union ReviewWe've compared each financial institution's Better Business Bureau score. The BBB grades businesses based on factors like responses to customer complaints, honesty in advertising, and transparency about business practices.Here is each company's score:TotalBank has an A- rating from the BBB because it hasn't responded to a customer complaint.One of our top choices has been involved in a recent controversy.In 2023, Bellco Credit Union settled with the Colorado attorney general's office along with Canvas Credit Union. The attorney general's office says that Bellco and Canvas were not refunding unearned GAP fees for its loan customers who paid off their car loans early or had their cars repossessed and auctioned before the end of the loan. The Colorado attorney general's office provided $4 million in refunds for Colorado borrowers from funds that both credit unions paid.In 2023, the Federal Reserve Board fined Popular Direct's parent bank, Popular Bank, $2.3 million. The Federal Reserve Board said the fine was because Popular Bank processed six Paycheck Protection Program loans that had significant signs of potential fraud.CD rates are often impacted by changes in the federal funds rate. The Federal Reserve has a committee that holds meetings where members discuss potential changes to the federal funds rate. Generally, CD rates rise when the federal funds rate goes up, and CD rates drop when the federal funds rate goes down. Paying attention to upcoming Fed meetings can help you keep track of when the federal funds rate changes. Short-term CD rates are higher than long-term CD rates because of the current economic environment. Usually, it's the opposite: long-term CDs tend to offer better rates because you're keeping money in an account for a longer period of time, which benefits the bank.When the Fed starts cutting rates, CD rates overall will drop more significantly and CD rate trends may change.Banks and credit unions may offer special promotional CDs occasionally to appeal to customers. Currently, many promotional CDs tend to be shorter terms.To maximize returns on a 6-month CD, make sure to avoid early withdrawal penalties, which can reduce your total interest earnings. Experts recommend choosing a CD term based on your financial goals so you have a purpose assigned to your money and can minimize the chance of needing to make a last-minute withdrawal. Reviewing the CD forecast for 2024 may also help with deciding when to lock in a CD rate and which type of account to open.The highest paying 6-month CD offers 4.75% to 5.00% APY. This CD rate is offered by Vibrant Credit Union.Banks typically offer long-term CDs with higher rates than 6-month terms because you're leaving money locked in an account for a longer period of time. However, in the current economic environment, 6-month CD rates are actually higher than long-term CDs. The Fed cut rates in September and is expected to cut rates more in the future. You'll see likely 6-month CD rates start declining as a result.A 6-month CD may be a smart choice if you'd like to earn a competitive interest rate on a short-term, fixed-interest savings account. However, keep in mind that CDs do not allow additional deposits and have early withdrawal penalties if you have to take out money before the term ends.The best 6-month CD rates can change at any time. The top rates for 6-month CD rates also change more frequently than longer terms because they are more susceptible to market fluctuations.A 6-month CD is a low-risk bank account. It could be a good option for first-time investors if they are specifically looking for a safe investment. CDs offer low returns, though, so you might consider other investment options if you want to earn higher returns and take more risk.Ultimately, your choice of whether a 6-month, 1-year, or 5-year CD is best will likely depend on how soon you plan to need the money. For example, if you want the money to buy a house in less than a year, a longer term isn't the best idea. Many experts recommend CD laddering. With this strategy, you open multiple CDs with different term lengths so you can take advantage of higher rates with longer terms, but also access some of your money earlier.To learn more about what makes a good CD and how to choose the best fit, Business Insider consulted four experts:Here's what they had to say about CDs. (Some text may be lightly edited for clarity.)How can someone figure out whether a bank is right for them?Tania Brown, CFP® professional and vice president of coaching strategy at OfColor:Sophia Acevedo, banking editor, Business Insider:How should you choose the right CD term length?Roger Ma, CFP® professional and author of \"Work Your Money, Not Your Life\":Mykail James, MBA, certified financial education instructor BoujieBudgets.com:How should you decide between a high-yield savings account, money market account, or CD?Tania Brown, CFP® professional:Sophia Acevedo, Business Insider:Methodology: How We Selected the Best 6-Month CDsBusiness Insider's personal finance team regularly monitors 60 banks and credit unions to find which ones offer the most competitive 6-month CD rates nationally.Then, we reviewed each institution using our bank account methodology to find the most well-rounded banking options. For each account, we compared the minimum opening deposits, early withdrawal penalties, interest rates and miscellaneous features. We also considered the overall banking experience at each bank by assessing customer support availability, mobile app ratings, security, and ethics.Each feature is scored from 0 to 5, although some features have a larger weight percentage than others. We add up these scores and calculate the weighted average to determine the account's total rating.The highest rating possible is five stars. The lowest rating possible is one star.","articleSection":"Personal Finance, Banking, Certificates of Deposit","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Who has the highest-paying 6-month CD?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The highest paying 6-month CD offers 4.75% to 5.00% APY. This CD rate is offered by Vibrant Credit Union.</p>"}},{"@type":"Question","name":"Why are 6-month CD rates often lower than longer terms?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Banks typically offer long-term CDs with higher rates than 6-month terms because you're leaving money locked in an account for a longer period of time. However, in the current economic environment, 6-month CD rates are actually higher than long-term CDs. The Fed cut rates in September and is expected to cut rates more in the future. You'll see likely 6-month CD rates start declining as a result.</p>"}},{"@type":"Question","name":"When is a 6-month CD a smart choice?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A 6-month CD may be a smart choice if you'd like to earn a competitive interest rate on a short-term, fixed-interest savings account. However, keep in mind that CDs do not allow additional deposits and have <a href=\"https://www.businessinsider.com/personal-finance/banking/cd-early-withdrawal-penalties\" data-analytics-product-module=\"body_link\" rel=\"\">early withdrawal penalties</a> if you have to take out money before the term ends.</p>"}},{"@type":"Question","name":"Do the best 6-month CD rates change more frequently than longer terms?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best 6-month CD rates can change at any time. The top rates for 6-month CD rates also change more frequently than longer terms because they are more susceptible to market fluctuations.</p>"}},{"@type":"Question","name":"Are 6-month CDs a good option for first-time CD investors?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A 6-month CD is a low-risk bank account. It could be a good option for first-time investors if they are specifically looking for a safe investment. CDs offer low returns, though, so you might consider other investment options if you want to earn higher returns and take more risk.</p>"}},{"@type":"Question","name":"Which is best: a 6-month, 1-year, or 5-year CD?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Ultimately, your choice of whether a 6-month, 1-year, or <a href=\"https://www.businessinsider.com/personal-finance/banking/best-5-year-cd-rates\" data-analytics-product-module=\"body_link\" rel=\"\">5-year CD</a> is best will likely depend on how soon you plan to need the money. For example, if you want the money to buy a house in less than a year, a longer term isn't the best idea. Many experts recommend CD laddering. With this strategy, you open multiple CDs with different term lengths so you can take advantage of higher rates with longer terms, but also access some of your money earlier.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking","name":"Banking"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/certificates-of-deposit","name":"Certificates of Deposit"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking/best-6-month-cd-rates","name":"Best 6-Month CD Rates for December 2024: Short-Term Savings, Smart Returns"}}]} </script> <script>window.allScripts = window.allScripts || []; 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class=" breadcrumb-hide-m" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/banking" class=" 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stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/certificates-of-deposit" class="" data-track-click="{"product_field":"Certificates of Deposit","element_name":"breadcrumbs","event":"navigation"}" > Certificates of Deposit </a> </span> </div> <h1 class="post-headline ">Best 6-Month CD Rates for December 2024: Short-Term Savings, Smart Returns</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Sophia Acevedo" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/sophia-acevedo" >Sophia Acevedo</a></span> and <span class="" data-e2e-name="Kit Pulliam" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/kit-pulliam" >Kit Pulliam</a><span class="headline-regular">;</span></span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-12-03T17:56:34Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-12-03T17:56:34Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved 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listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>At Business Insider, we monitor CDs available at top banks and credit unions every day to help you find the best 6-month CD for you. A 6-month CD can be a good choice if you're looking for a short-term CD that offers a high interest rate. The national <a href="https://www.businessinsider.com/personal-finance/banking/average-cd-rates" data-analytics-product-module="body_link" rel="">average CD rate</a> on a 6-month term is 1.68% APY (Annual Percentage Yield) according to the FDIC, but the best 6-month CD rates are much higher.</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 134px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Featured Offer</td><td style="width: 25%; height: 22px;" class="headline-regular headline-semibold">APYs (Annual Percentage Yields) are accurate as of 11/27/2024</td><td style="width: 25%;" class="headline-regular headline-semibold">Minimum Deposit</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e113176b7e5f425a95cabd" data-analytics-product-brand="Featured CD Offer - Position 2" data-analytics-product-name="Featured Offer - Barclays 6 Month Online CD" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71498-20&h=00a36f30e53393a6ed69bef4531f2ed21ceef87635bc73e74a19e16c3528ee80&platform=browser&postID=669fe25d20eaab25bc21b786&postSlug=personal-finance%2Fbanking%2Fbest-6-month-cd-rates&site=bi&u=https%3A%2F%2Fwww.anrdoezrs.net%2Fclick-101063856-15294927" data-am-orig-url="https://affiliate.insider.com/?h=00a36f30e53393a6ed69bef4531f2ed21ceef87635bc73e74a19e16c3528ee80&u=https%3A%2F%2Fwww.anrdoezrs.net%2Fclick-101063856-15294927">Featured Offer - Barclays 6 Month Online CD</a></td><td style="width: 25%; height: 22px;" class="headline-regular">4.00%</td><td style="width: 25%;" class="headline-regular">$0</td></tr></tbody></table></div><p>However, there are much higher interest rates on 6-month CDs right now. The <a href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="20" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now">best CD rate</a> for a 6-month term is 4.75% to 5.00% APY available at Vibrant Credit Union.</p><p>Below, you'll find our top picks for the best 6-month terms currently offered by nationwide banks and credit unions.</p><h2 data-toc-label="Best 6-Month CDs" id="best-6-month-cds" class="toc-anchor">Best 6-Month CDs</h2><ul><li>Vibrant Credit Union 6 Month Certificate Special: 4.75% to 5.00% APY</li><li>First Tech Federal Credit Union 6 Month CD: 4.75% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="672cfe7fd16e6200babd00ac" data-analytics-product-brand="Bellco Credit Union" data-analytics-product-name="Bellco Credit Union 6 Month CD" href="https://www.businessinsider.com/personal-finance/bellco-credit-union-cd-bridge">Bellco Credit Union 6 Month CD</a>: 4.75% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65256657f197fe185a8fd888" data-analytics-product-brand="Newtek Bank" data-analytics-product-name="Newtek Bank 6 Month CD" href="https://www.businessinsider.com/personal-finance/newtek-bank-cd-bridge">Newtek Bank 6 Month CD</a>: 4.75% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="64de958b30323a8131c19928" data-analytics-product-brand="TotalBank" data-analytics-product-name="TotalBank 6 Month CD" href="https://www.businessinsider.com/personal-finance/totaldirectbank-cd-bridge">TotalBank 6 Month CD</a>: 4.71% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="66f6e8b939059212b4c1ed39" data-analytics-product-brand="Bread Savings" data-analytics-product-name="Bread Savings 6 Month High-Yield CD" href="https://secure.money.com/pr/uf4e45c15578">Bread Savings 6 Month High-Yield CD</a>: 4.65% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="646b98605037440011f0a1c2" data-analytics-product-brand="Limelight Bank" data-analytics-product-name="Limelight Bank 6 Month Online CD" href="https://www.businessinsider.com/personal-finance/limelight-bank-cd-bridge">Limelight Bank 6 Month Online CD</a>: 4.65% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63efd435f8ab1f0011ebbad2" data-analytics-product-brand="Popular Direct" data-analytics-product-name="Popular Direct 6 Month CD" href="https://www.businessinsider.com/personal-finance/popular-direct-cd-bridge">Popular Direct 6 Month CD</a>: 4.61% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6467b2bc5037440011f09d6b" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 6 Month Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 6 Month Certificate</a>: 4.55% APY</li></ul><p>The best 6-month CDs pay high interest rates, and many of them have low minimum opening deposits and low early withdrawal penalties.</p><h2 data-toc-label="Compare the Best 6-Month CDs" id="compare-the-best-6-month-cds" class="toc-anchor">Compare the Best 6-Month CDs</h2><p>You can find the top CDs primarily at online banks. That said, there are also two credit unions with competitive 6-month terms.</p><p>When you are <a href="https://www.businessinsider.com/personal-finance/banking/how-to-choose-a-cd" data-analytics-product-module="body_link" rel="">choosing a CD</a>, you can compare different features to narrow down the best fit. For example, consider how much money you want to deposit and see if the bank's minimum opening deposit requirements aren't a reach. You can also weigh the overall banking experience and check out the bank's customer service availability and mobile app ratings before settling on an account.</p><p>You might also want to look for <a href="https://www.businessinsider.com/personal-finance/banking/best-environmentally-friendly-banks" data-analytics-product-module="body_link" rel="">eco-friendly banks</a> or community development financial institutions. Both of these types of financial institutions use the money you put in the bank for good; eco-friendly banks help the environment, while CDFIs provide financial services to underserved banking populations. Opening a CD with one of these financial institutions can be an easy way to support causes you care about.</p><h2 data-toc-label="6-Month CD Reviews" id="6-month-cd-reviews" class="toc-anchor">6-Month CD Reviews</h2><p>These are our picks for the best 6-month CD rates. Our top picks for CDs are protected by FDIC or NCUA insurance. If you're worried about <a href="https://www.businessinsider.com/personal-finance/banking/what-happens-if-my-bank-fails" data-analytics-product-module="body_link" rel="">bank failures</a>, keep in mind money is safe at a federally insured financial institution. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account.</p><h3>Vibrant Credit Union 6 Month Certificate Special</h3><p>Vibrant Credit Union offers a good rate on its 6-month CD. The CD has a very low minimum opening deposit of $5, which could be helpful if you want to open a CD with a small amount of money. If you have a Preferred Savings account or an Elite Savings account with Vibrant Credit union, you'll earn a higher rate.</p><p>Vibrant Credit Union is a <a href="https://www.businessinsider.com/personal-finance/banking/credit-unions-anyone-can-join" data-analytics-product-module="body_link" rel="">credit union anyone can join</a> by becoming a member of the Illinois Consumer Council. You can also qualify if you're an employee of a select employer group, a family member of a current Vibrant member, or if you live or work in certain parts of Illinois, Indiana, Iowa, or Wisconsin.</p><p><strong>APY for 6-month CD:</strong> 4.75% to 5.00% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> All of the interest accrued</p><h3>First Tech Federal Credit Union 6 Month CD</h3><p>First Tech Federal Credit Union is a credit union anyone can join. Not only does it offer good rates on its 6-month CD, but it also doesn't charge early withdrawal penalties for its 6-month CD as long as you don't withdraw money within the first six days or withdraw within 6 days of making another partial withdrawal. It also has a low minimum opening deposit of $500.</p><p>You'll need to use new money to fund its 6-month CD; if you already have a First Tech Federal Credit Union account that you keep most or all of your money in, this might not be a good choice for you.</p><p>The easiest way to join First Tech Federal Credit Union is to become a member of the Computer History Museum or  Financial Fitness Association. Joining the former costs $15, while joining the latter costs $8. You can join both organizations as part of your application process. Other ways you can become a First Tech member include working for a select employer group, working for the state of Oregon, living or working in a specific area of Oregon, or having a family or household member who's already a part of First Tech.</p><p><strong>APY for 6-month CD:</strong> 4.75% APY</p><p><strong>6-month CD early withdrawal penalty</strong>: 7 days of simple interest if withdrawn during the first six days or withdrawn within 6 days of another withdrawal; otherwise, none</p><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="672cfe7fd16e6200babd00ac" data-analytics-product-brand="Bellco Credit Union" data-analytics-product-name="Bellco Credit Union 6 Month CD" href="https://www.businessinsider.com/personal-finance/bellco-credit-union-cd-bridge">Bellco Credit Union 6 Month CD</a></h3><p>Bellco Credit Union is a credit union anyone in the U.S. can join and it offers a strong rate on its 6-month CD. It also has a low minimum opening deposit of $500.</p><p>The easiest way to join Bellco is by joining the Bellco Foundation. You'll need to make a $5 donation as part of the joining process. You can also be eligible to join the credit union by living in certain parts of Colorado, by working for one of Bellco's select employee groups, or by having a family member who's already part of the credit union.</p><p><strong>APY for 6-month CD:</strong> 4.75% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> 90 days of interest</p><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65256657f197fe185a8fd888" data-analytics-product-brand="Newtek Bank" data-analytics-product-name="Newtek Bank 6 Month CD" href="https://www.businessinsider.com/personal-finance/newtek-bank-cd-bridge">Newtek Bank 6 Month CD</a></h3><p>Newtek's 6-month CD has one of the best rates currently offered. Newtek Bank CDs may be appealing if you're searching for a variety of terms that pay well above the national average. Newtek Bank also has standard early withdrawal penalties.</p><p>Newtek Bank CDs have a $2,500 minimum opening deposit. Other financial institutions may let you open a CD with less money upfront.</p><p><strong>APY for 6-month CD: </strong>4.75% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> 90 days of interest</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/newtek-bank-savings-review" data-analytics-product-module="body_link" rel="">Newtek Bank Savings Review</a></em></p><h3><strong><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="64de958b30323a8131c19928" data-analytics-product-brand="TotalBank" data-analytics-product-name="TotalBank 6 Month CD" href="https://www.businessinsider.com/personal-finance/totaldirectbank-cd-bridge">TotalBank 6 Month CD</a></strong></h3><p>TotalBank CDs may be a good choice if you're searching for a variety of short-term CDs with high interest rates. The 3-month and 6-month terms, in particular, offer CD rates significantly above the national average.</p><p>TotalDirectBank CDs have a steep minimum opening deposit of $25,000 and a maximum deposit of $1 million. The online institution also doesn't operate in Florida, Samoa, Guam, the Northern Mariana Islands, or U.S. Virgin Islands.</p><p><strong>APY for 6-month CD: </strong>4.71% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> 30 days of interest</p><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="66f6e8b939059212b4c1ed39" data-analytics-product-brand="Bread Savings" data-analytics-product-name="Bread Savings 6 Month High-Yield CD" href="https://secure.money.com/pr/uf4e45c15578">Bread Savings 6 Month High-Yield CD</a></h3><p>Bread Savings is one of the top banks for 6-month CD rates. It also offers a high-yield savings account and other CD terms that pay above the national average.</p><p>This CD comes with a $1,500 minimum opening deposit, which is a bit steeper than other banks. If you don't plan to put a lot of money into your CD, you might want to consider one of our other options. </p><p><strong>APY for 6-month CD:</strong> 4.65% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> 90 days of interest</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/bread-savings-bank-review" data-analytics-product-module="body_link" rel="">Bread Savings Review</a></em></p><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="646b98605037440011f0a1c2" data-analytics-product-brand="Limelight Bank" data-analytics-product-name="Limelight Bank 6 Month Online CD" href="https://www.businessinsider.com/personal-finance/limelight-bank-cd-bridge">Limelight Bank 6 Month Online CD</a></h3><p>Limelight Bank is an online division of CCBank, and it offers good rates on its 6-month CD.</p><p>Limelight Bank doesn't offer very many term lengths for its CDs; it only has 6-month, 1-year, 18-month, and 3-year CDs. The bank doesn't offer other types of bank accounts, either. If you're hoping to open CDs with term lengths over 3 years, or if you're looking for a primary bank, you might prefer another option.</p><p><strong>APY for 6-month CD:</strong> 4.65% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> 90 days of interest</p><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63efd435f8ab1f0011ebbad2" data-analytics-product-brand="Popular Direct" data-analytics-product-name="Popular Direct 6 Month CD" href="https://www.businessinsider.com/personal-finance/popular-direct-cd-bridge">Popular Direct 6 Month CD</a></h3><p>Popular Direct, the online division of Popular Bank, pays high CD rates overall. It also compounds interest daily, which helps grow your money more quickly than monthly or quarterly compounding.</p><p>You need at least $10,000 to open a CD with Popular Direct. It also charges relatively high early withdrawal penalties.</p><p><strong>APY for a 6-month term:</strong> 4.61% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> 120 days of simple interest</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/popular-direct-review" data-analytics-product-module="body_link" rel="">Popular Direct Review</a></em></p><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6467b2bc5037440011f09d6b" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 6 Month Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 6 Month Certificate</a></h3><p>America First Credit Union offers one of the best rates for 6-month CDs, and you only need $500 to open it — which is less than you'll need with many institutions. It also charges relatively low early withdrawal penalties.</p><p>This credit union is a great choice if you live in certain areas in the Western United States. Membership is available to people who live, work, study, worship or volunteer in select counties of Arizona, Idaho, New Mexico, Nevada, Oregon, and Utah. You're also eligible to join if you work for a company on its Select Employer Group list or are a member of an affiliated association.</p><p><strong>APY for 6-month CD:</strong> 4.55% APY</p><p><strong>6-month CD early withdrawal penalty:</strong> 60 days of interest</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/america-first-credit-union-review" data-analytics-product-module="body_link" rel="">America First Credit Union Review</a></em></p><h3 id="which-bank-is-the-most-trustworthy?">Bank Trustworthiness and BBB Ratings</h3><p>We've compared each financial institution's <a href="https://www.bbb.org/" target="_blank" rel="noopener nofollow" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="0fd1d7b012887f219a0f3b5c0a02cf2d" data-analytics-product-module="body_link">Better Business Bureau</a> score. The BBB grades businesses based on factors like responses to customer complaints, honesty in advertising, and transparency about business practices.</p><p>Here is each company's score:</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 186px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Institution</td><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">BBB rating</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Vibrant Credit Union</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">A+</td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">First Tech Federal Credit Union</td><td style="width: 50%; text-align: center;" class="headline-regular">A+</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Bellco Credit Union</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">A+</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Newtek Bank</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">A+</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">TotalBank</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">A-</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Bread Savings</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">A+</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Limelight Bank</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">A+ (Rating for its parent bank, CCBank)</td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold">Popular Direct</td><td style="width: 50%; text-align: center;" class="headline-regular">A+ (rating for its parent bank, Popular)</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">America First Credit Union</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">A+</td></tr></tbody></table></div><p>TotalBank has an <a href="https://www.bbb.org/us/fl/miami/profile/bank/totalbank-0633-28000368" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A- rating</a> from the BBB because it hasn't responded to a customer complaint.</p><p>One of our top choices has been involved in a recent controversy.</p><p>In 2023, <a href="https://coag.gov/press-releases/1-4-23/" target="_blank" rel="noopener" data-analytics-product-module="body_link">Bellco Credit Union settled with the Colorado attorney general's office</a> along with Canvas Credit Union. The attorney general's office says that Bellco and Canvas were not refunding unearned GAP fees for its loan customers who paid off their car loans early or had their cars repossessed and auctioned before the end of the loan. The Colorado attorney general's office provided $4 million in refunds for Colorado borrowers from funds that both credit unions paid.</p><p>In 2023, the<a href="https://www.federalreserve.gov/newsevents/pressreleases/enforcement20230124a.htm" target="_blank" rel="noopener" data-analytics-product-module="body_link"> Federal Reserve Board fined Popular Direct's parent bank</a>, Popular Bank, $2.3 million. The Federal Reserve Board said the fine was because Popular Bank processed six Paycheck Protection Program loans that had significant signs of potential fraud.</p><h2 data-toc-label="What Makes 6-Month CD Rates Fluctuate? " id="what-makes-6-month-cd-rates-fluctuate?-" class="toc-anchor">What Makes 6-Month CD Rates Fluctuate? </h2><h3>Role of the Federal Reserve</h3><p>CD rates are often impacted by changes in the <a href="https://www.businessinsider.com/personal-finance/investing/what-is-the-federal-reserve" data-analytics-product-module="body_link" rel="">federal funds rate</a>. The Federal Reserve has a committee that holds meetings where members discuss potential changes to the federal funds rate. </p><p>Generally, CD rates rise when the federal funds rate goes up, and CD rates drop when the federal funds rate goes down. Paying attention to <a href="https://www.businessinsider.com/personal-finance/banking/when-is-the-next-fed-meeting" data-analytics-product-module="body_link" rel="">upcoming Fed meetings</a> can help you keep track of when the federal funds rate changes. </p><h3>Economic Trends and Market Conditions</h3><p><a href="https://www.businessinsider.com/personal-finance/banking/short-term-cd-rates" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/short-term-cd-rates">Short-term CD rates are higher than long-term CD rates</a> because of the current economic environment. Usually, it's the opposite: long-term CDs tend to offer better rates because you're keeping money in an account for a longer period of time, which benefits the bank.</p><p>When the Fed starts cutting rates, CD rates overall will drop more significantly and CD rate trends may change.</p><h3>Institution-Specific Offers</h3><p>Banks and credit unions may offer special promotional CDs occasionally to appeal to customers. Currently, many promotional CDs tend to be shorter terms.</p><h2 data-toc-label="How to Maximize Returns " id="how-to-maximize-returns-" class="toc-anchor">How to Maximize Returns with the Best 6-Month CD</h2><p>To maximize returns on a 6-month CD, make sure to avoid early withdrawal penalties, which can reduce your total interest earnings. Experts recommend choosing a CD term based on your financial goals so you have a purpose assigned to your money and can minimize the chance of needing to make a last-minute withdrawal. </p><p>Reviewing the <a href="https://www.businessinsider.com/personal-finance/banking/are-cd-rates-going-up" data-analytics-product-module="body_link" rel="">CD forecast for 2024</a> may also help with deciding when to lock in a CD rate and which type of account to open.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">6-Month CD FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Who has the highest-paying 6-month CD? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The highest paying 6-month CD offers 4.75% to 5.00% APY. This CD rate is offered by Vibrant Credit Union.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Why are 6-month CD rates often lower than longer terms? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Banks typically offer long-term CDs with higher rates than 6-month terms because you're leaving money locked in an account for a longer period of time. However, in the current economic environment, 6-month CD rates are actually higher than long-term CDs. The Fed cut rates in September and is expected to cut rates more in the future. You'll see likely 6-month CD rates start declining as a result.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> When is a 6-month CD a smart choice? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A 6-month CD may be a smart choice if you'd like to earn a competitive interest rate on a short-term, fixed-interest savings account. However, keep in mind that CDs do not allow additional deposits and have <a href="https://www.businessinsider.com/personal-finance/banking/cd-early-withdrawal-penalties" data-analytics-product-module="body_link" rel="">early withdrawal penalties</a> if you have to take out money before the term ends.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do the best 6-month CD rates change more frequently than longer terms? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The best 6-month CD rates can change at any time. The top rates for 6-month CD rates also change more frequently than longer terms because they are more susceptible to market fluctuations.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are 6-month CDs a good option for first-time CD investors? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A 6-month CD is a low-risk bank account. It could be a good option for first-time investors if they are specifically looking for a safe investment. CDs offer low returns, though, so you might consider other investment options if you want to earn higher returns and take more risk.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Which is best: a 6-month, 1-year, or 5-year CD? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Ultimately, your choice of whether a 6-month, 1-year, or <a href="https://www.businessinsider.com/personal-finance/banking/best-5-year-cd-rates" data-analytics-product-module="body_link" rel="">5-year CD</a> is best will likely depend on how soon you plan to need the money. For example, if you want the money to buy a house in less than a year, a longer term isn't the best idea. Many experts recommend CD laddering. With this strategy, you open multiple CDs with different term lengths so you can take advantage of higher rates with longer terms, but also access some of your money earlier.</p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: Expert Advice on Choosing the Best 6-Month CD</h2><p>To learn more about what makes a good CD and how to choose the best fit, Business Insider consulted four experts:</p><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 433 / 1200)"> <meta itemprop="contentUrl" content="https://i.insider.com/65f30d7d3037f8e81750540e"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/65f30d7d3037f8e81750540e":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":433}}" alt="PFI Banking Expert Panel (updated Mar 2024); (from left to right) Tania Brown; Roger Ma; Sophia Acevedo; Mykail James"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> BI </span> </span> </figure><p>Here's what they had to say about CDs. (Some text may be lightly edited for clarity.)</p><p><strong>How can someone figure out whether a bank is right for them?</strong></p><p><strong>Tania Brown, CFP® professional and vice president of coaching strategy at <a href="https://www.ofcolor.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link" data-analytics-post-depth="100" data-mrf-link="https://www.ofcolor.com/">OfColor</a>:</strong></p><ul><li>It should be FDIC-insured</li><li>It should fit the banking experience you want (A local bank to visit in person? An online bank to use through your phone? The ability to write checks?)</li></ul><p><strong>Sophia Acevedo, banking editor, Business Insider:</strong></p><ul><li>Prioritize what matters to you, like whether you can waive a monthly service fee</li><li>Pay attention to rates if you want a high-interest account (it should pay higher than <a href="https://www.businessinsider.com/personal-finance/banking/average-bank-interest-rates" rel="">average bank account rates</a>)</li></ul><p><strong>How should you choose the right CD term length?</strong></p><p><strong>Roger Ma, CFP® professional and author of <a href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71498-20&h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&platform=browser&postID=669fe25d20eaab25bc21b786&postSlug=personal-finance%2Fbanking%2Fbest-6-month-cd-rates&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F" target="_blank" rel="noopener nofollow sponsored noindex" data-analytics-post-depth="100" data-uri="b26f5a7bea15d2cb37222be8ab621072" data-analytics-product-module="body_link" data-am-orig-url="https://affiliate.insider.com/?h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F">"Work Your Money, Not Your Life"</a>:</strong></p><ul><li>Consider when you need the money</li><li>Compare your timeline with current CD rates to find the best rates for the closest timeline</li></ul><p><strong>Mykail James, MBA, certified financial education instructor <a href="https://www.boujiebudgets.com/" target="_blank" rel="noopener nofollow" data-analytics-post-depth="100" data-uri="2cf30a6077693f0e2adb1334f9258693" data-analytics-product-module="body_link">BoujieBudgets.com</a>:</strong></p><ul><li>Have a goal for the money in that CD</li><li>Consider your timeline for the goal, and choose a term length that matches that timeline</li></ul><p><strong>How should you decide between a high-yield savings account, money market account, or CD?</strong></p><p><strong>Tania Brown, CFP® professional:</strong></p><ul><li>Start off with how much money you want to put in</li><li>Add the level of transactions you plan to have — CDs won't let you touch the money</li></ul><p><strong>Sophia Acevedo, Business Insider:</strong></p><ul><li>A high-yield savings account or money market account are good options for an emergency fund or short-term savings goals</li><li>Money market accounts are worth considering if you want more account accessibility (paper checks, ATM cards, or debit cards)</li><li>CDs could be worthwhile if you don't need access to that money since they have a fixed interest rate for a specific term</li></ul><p><strong>Methodology: How We Selected the Best 6-Month CDs</strong></p><p>Business Insider's personal finance team regularly monitors 60 banks and credit unions to find which ones offer the most competitive 6-month CD rates nationally.</p><p>Then, we reviewed each institution using our <a href="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-product-module="body_link" rel="">bank account methodology</a> to find the most well-rounded banking options. For each account, we compared the minimum opening deposits, early withdrawal penalties, interest rates and miscellaneous features. We also considered the overall banking experience at each bank by assessing customer support availability, mobile app ratings, security, and ethics.</p><p>Each feature is scored from 0 to 5, although some features have a larger weight percentage than others. We add up these scores and calculate the weighted average to determine the account's total rating.</p><p>The highest rating possible is five stars. The lowest rating possible is one star.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/best-6-month-cd-rates-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sophia-acevedo"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Sophia Acevedo's face against a gray background"> <noscript> <img src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sophia Acevedo</div> </a> <div class="post-author_title headline-regular">Banking Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics. </span><span><span class="headline-semibold">Experience</span></span><span>Sophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "<a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a>," which focused on telling stories that could help people live and spend better.</span><span>Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.</span><span>Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE Accounts, tax-free savings accounts for people with disabilities. She was also a winner of a <a href="https://cnpa.com/cja/2018campus/" rel=" nofollow">2018 California Journalism Awards Campus Contest</a> for her photography.</span><span>She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.</span><span><span class="headline-semibold">Expertise</span></span><span>Sophia's expertise includes:</span><ul><li><span>Bank accounts</span></li><li><span>Savings and CD rate trends</span></li><li><span>Budgeting</span></li><li><span>Saving</span></li><li><span>How banks operate</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.</span><span>Sophia is a member of the National Association of Hispanic Journalists.</span><span>She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="kit-pulliam"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" alt="A person with a shaved head and black glasses smiles at the camera. They have a dark blue collared shirt on."> <noscript> <img src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Kit Pulliam</div> </a> <div class="post-author_title headline-regular">Banking reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They’ve been reporting, editing, and fact-checking personal finance stories for more than four years. <span class="headline-semibold">Experience</span></span><span>In college, Kit worked as an undergraduate research assistant in a psychology lab. While there, they found that they were passionate about writing and helping others write about topics that matter.</span><span>Before Business Insider, Kit was an editorial specialist for Tax Analysts, diving into the tax code to help readers get the best information about a confusing but necessary subject.</span><span>They find banking similar to taxes in that way: There are some things everyone needs to know because just about everyone needs to work with a bank — and you don’t want to end up with an account that doesn’t serve your needs.</span><span>As interest rates change, they enjoy the fast pace of reviewing rates for products like CDs and high-yield savings, which can change daily and have a direct impact on readers’ money.</span><span>Their work has been featured in Business Insider and MSN. They were part of the <a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a> series with Business Insider.<span class="headline-semibold">Expertise</span></span><span>Their expertise includes:</span><ul><li><span>Certificates of deposit</span></li><li><span>Savings accounts</span></li><li><span>Checking accounts</span></li><li><span>CD rates</span></li><li><span>Bank reviews</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Kit is an alumnus of Vanderbilt University, where they studied English and psychology and received the Jum C. Nunnally Honors Research Award for their senior thesis.</span><span>Outside personal finance, Kit enjoys reading, film, video games, and cross stitching. They are based in the DC area.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded2"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded2" role="button" class="post-author_bio_more">Read more</label> <label for="expanded2" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow sponsored noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>*Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</em></p> <p style="font-size:14px;"><em>**Rate are determined by balance tiers and amount deposited. Earn 4.80% APY with balances over $250,000 and 4.50% APY for balances under $250,000.</em></p> <p style="font-size:14px;"><em>***0.25% APY on balances under $5,000. Rates as of 11/13/2024. CIT Bank is a division of First-Citizens Bank & Trust Company, a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposit accounts are insured up to $250,000 per depositor, for each account ownership category. Deposits held under the names First Citizens Bank & Trust Company and CIT Bank are not separately insured but must be combined for purposes of determining whether a depositor has exceeded the federal insurance deposit limit.</em></p> <p style="font-size:14px;"><em>****The annual percentage yield (APY) is accurate as of November 7, 2024 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.</em></p> <p style="font-size:14px;"><em>*****SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 12/3/24. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. </em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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