--- title: Reading Cooperative Bank | 3.75% APY On Our 6-Month CD description: Start a short-term CD investment today and start saving for your future. --- [Skip to content](https://ww3.readingcoop.com/6mo-cd#main-content) ![FDIC-Insured - Backed by the full faith and credit of the U.S. Government](https://readingcoop.com/uploads/fdic-digital-sign.blacktext.svg) [![logo-140th](https://ww3.readingcoop.com/hs-fs/hubfs/logo-140th.png?width=300&height=86&name=logo-140th.png "logo-140th")](https://readingcoop.com) ![RCB Landing CD 6month-4](https://ww3.readingcoop.com/hs-fs/hubfs/RCB%20Landing%20CD%206month-4.jpg?width=1858&height=2000&name=RCB%20Landing%20CD%206month-4.jpg "RCB Landing CD 6month-4") #### Book a Call with Nick Talk directly with a branch manager to answer any questions you may have regarding our CD rates and programs. ![nick-headshot-1](https://ww3.readingcoop.com/hs-fs/hubfs/nick-headshot-1.png?width=751&height=751&name=nick-headshot-1.png "nick-headshot-1") ## **Current CD Rates** | Product | Interest Rate | Annual Percentage Yield\* | Minimum to Open Account | Minimum Daily Balance to Earn APY | | --- | --- | --- | --- | --- | | **6-Month** | **3.93%** | **4.00%** | **$500.00** | **Bal. $500.00 & More** | | 8-Month\*\* | 3.50% | 3.50% | $500.00 | Bal. $500.00 & More | | 9-Month\*\*\* | 4.00% | 4.00% | $500.00 | Bal. $500.00 & More | | 12-Month | 3.92% | 4.00% | $500.00 | Bal. $500.00 & More | | 15-Month | 3.92% | 4.00% | $500.00 | Bal. $500.00 & More | | 2-Year | 2.72% | 2.75% | $500.00 | Bal. $500.00 & More | | 24-Month CD Special | 3.86% | 3.92% | $500.00 | Bal. $500.00 & More | | 3-Year | 2.96% | 3.00% | $500.00 | Bal. $500.00 & More | | 4-Year | 2.96% | 3.00% | $500.00 | Bal. $500.00 & More | | 5-Year | 2.96% | 3.00% | $500.00 | Bal. $500.00 & More | \*Annual Percentage Yield (APY) is accurate as of September 25, 2026. All Certificates of Deposit listed are fixed-rate unless otherwise noted. You must maintain a minimum daily balance of $500.00 to earn the advertised APY. Fees or early withdrawal may reduce earnings. Early withdrawal penalties may be imposed. Interest compounds daily and is calculated on a 365-day basis. All deposits are FDIC insured up to $250,000. Additional coverage is provided by DIF for deposits exceeding that amount.   \*\*The 8-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Renews to a standard 9-month term at maturity. \*\*\*9-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Renews to a standard 6-month term at maturity. Rates are current as of 09/25/2026. Get more information on our savings products and specials. [LEARN MORE](https://readingcoop.com/personal-banking/personal-savings?utm_source=paid&utm_medium=landing-page&utm_campaign=6-month-cd) ![Branch](https://ww3.readingcoop.com/hubfs/Branch.png "Branch") ## The RCB DIFference Reading Cooperative Bank offers 100% deposit insurance to all customers through both FDIC and DIF. That means we don't take chances with your hard-earned money. At RCB, you have a voice—and you matter. Our bank isn't owned by stockholders. It's owned by customers who have their money here. So you, our employees, and the community always have a say in how things are run. We don't have to answer to outsiders who don't understand what the people and business owners of Massachusetts need. We only answer to you. The bank's focus on inclusivity is evident in its support for underbanked and unbanked individuals, small businesses, and entrepreneurs, offering low-cost checking and savings accounts and financial education programs. Need help? We're happy to assist you each step of the way. [SCHEDULE A CALL](https://readingcoop.com/contact-us?utm_source=paid&utm_medium=landing-page&utm_campaign=6-month-cd) ## **Still have questions? We have answers.** ###### What is a Certificate of Deposit (CD)? A Certificate of Deposit (CD) is a type of savings account with a fixed term and a higher interest rate. ###### What are the advantages of investing in a CD? CDs offer the advantage of a higher, more predictable interest rate compared to regular savings accounts. ###### How are CD interest rates determined, and how do they compare to regular savings account rates? CD interest rates are determined by factors such as market interest rates and the length of the CD term. Typically, longer terms and higher deposit amounts may offer higher interest rates. ###### Are CDs insured by the FDIC or other government-backed institutions, ensuring the safety of my investment? At RCB, your deposit is 100% insured with a combination of FDIC and DIF insurance. [![RCB Logo](https://ww3.readingcoop.com/hs-fs/hubfs/RCB_logo.png?width=243&height=70&name=RCB_logo.png "RCB Logo")](https://readingcoop.com/) #### Personal - [Open an Account](https://apply.readingcoop.com/) - [Checking](https://readingcoop.com/personal-banking/personal-checking/) - [Savings](https://readingcoop.com/personal-banking/personal-savings/) #### Business - [Business Checking](https://readingcoop.com/business-banking/business-checking/) - [Business Savings](https://readingcoop.com/business-banking/business-savings/) - [Business Services](https://readingcoop.com/business-banking/) ![Equal Housing Lender, NMLS# 457258, Member FDIC, Member DIF](https://ww3.readingcoop.com/hs-fs/hubfs/EHL_SDIF_DIF_BLACK.webp?width=538&height=220&name=EHL_SDIF_DIF_BLACK.webp "Equal Housing Lender, NMLS# 457258, Member FDIC, Member DIF") --- ©Copyright 2026. 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