New Hampshire

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New Hampshire CD Rates – 6-Month

You are viewing rates from banks across New Hampshire

 

Below are the best six-month CD Rates from banks with branches in New Hampshire. Six-month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

NH - November 18, 2024

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 4.75% → 4.85%

Rate History: 5.30% → 5.40% → 5.20% → 5.05% → 4.50%

| Sep 22, 2023

Terrible bank. Terrible service. Not equipped to service customers outside Florida. Plays games with your taxes by issuing 1090s whenever. Really shouldn't be on this list or your radar. Avoid. Read More

Rate History: 5.00% → 4.50%

| May 19, 2018

Experience Read More

Rate History: 4.75% → 5.15% → 5.00% → 4.75% → 4.50%

| May 11, 2023

They made mistakes twice and would not correct them Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.10% → 5.25% → 5.20% → 5.00% → 4.50%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 4.50% → 4.75% → 4.50%

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.10% → 5.00% → 4.80% → 4.70% → 4.45%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Rate History: 4.85% → 4.80% → 4.50% → 4.39% → 4.30%

Rate History: 4.30% → 4.35% → 4.25% → 4.20% → 4.00%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 5.25% → 5.00% → 4.75% → 4.50% → 4.00%

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

Rate History: 0.05% → 4.75% → 4.65% → 3.75% → 3.50%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 5.25% → 4.65% → 4.55% → 3.45%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

3.33%

$1,000

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| Mar 27, 2019

Still waiting for a call back from Liz over a long standing,annoying account problem Read More

Rate History: 3.00% → 0.70% → 2.53%

Rate History: 2.50% → 2.51% → 2.01%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 3.00% → 2.00% → 1.50%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| Mar 30, 2021

These guys are the best local bank. Very responsive. Read More

0.50%

$10,000

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0.35%

$100,000

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0.35%

$10,000

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0.35%

$10,000

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0.30%

$500

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| Apr 13, 2019

Yes they do. Read More

0.25%

$10,000

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0.25%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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| Dec 17, 2020

Union Bank seized my wife’s, mother’s and my assets based on a bankruptcy filing for a different person filed Nov. 29, 2020 in the middle court district of Pennsylvania; case number BK 03404. This per... Read More

| Dec 22, 2014

Why isn't there any info on the IRA 5% interest for 5 years? Is it for 5 years? Not clear. Thank you. Read More

0.20%

$10,000

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0.20%

$10,000

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0.15%

$10,000

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| Dec 17, 2020

Union Bank seized my wife’s, mother’s and my assets based on a bankruptcy filing for a different person filed Nov. 29, 2020 in the middle court district of Pennsylvania; case number BK 03404. This per... Read More

0.15%

$10,000

-

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0.15%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$10,000

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| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

| Jun 2, 2022

sounds like truly a shitty bank Read More

| Nov 1, 2021

worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More

0.05%

$10,000

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| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2024

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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