OneWest Bank (formerly IndyMac Bank) has a decent rate on their 6 month online certificate of deposit. Currently they are offering customers nationwide a 6 month CD yielding 1.90% APY but with a hefty minimum deposit of $5,000. You know it’s looking pretty bleak when the best 6 month CD rates we find are yielding less than 2.0% APY. If you know of a better rate (even if it’s not nationally available) please let us know!