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6 Month IRA Rates

Compare rates on 6 month IRAs from banks and credit unions. Use the filter box below to customize your results.

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Deposit Amount | $1 $100,000
Currently Including:
131
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Bogota Savings Bank9 Month IRA1.00%$500-$187
DETAILS
Connexus Credit Union6 Month IRA Certificate With Active Checking (Traditional,Roth,CESA)14 Reviews1.00%$10k-$125
DETAILS
Quorum Federal Credit Union9 Month IRA Term Savings (Traditional,Roth)0.90%$1k-$169
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Discover Bank9 Month IRA (Traditional,Roth)28 Reviews0.70%$2,500-$131
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Synchrony Bank9 Month IRA CD (Traditional,Roth)10 Reviews0.70%$25k-$131
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Xceed Financial Credit Union7 Month IRA (Traditional,Roth,CESA)9 Reviews0.70%$500-$102
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Communitywide Credit Union6 Month IRA Share Certificate0.70%$2k-$87.59
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Amalgamated Bank7 Month IRA Promo CD1 Review0.65%$500-$94.70
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Ally BankIRA High Yield 9-Month CD (Traditional,Roth,SEP)118 Reviews0.64%--$120
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OneWest Bank N.A. (Pasadena, CA)9 Month IRA (Traditional,Roth,SEP)16 Reviews0.60%$1k-$113
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Digital Credit Union3 - 5 Month IRA Certificate - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews0.60%$500-$84.14
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OneUnited BankUNITY 270 Day IRA CD1 Review0.55%$1k-$102
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Grand Bank, N.A.8 Month IRA (Traditional,Roth)0.55%$1k-$91.83
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Chartway Federal Credit Union6 Month IRA (Traditional,Roth,CESA)9 Reviews0.55%$10k-$68.84
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Andrews Federal Credit Union6 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews0.55%$1k-$68.84
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RSI BANK9 Month IRA0.50%$250-$93.78
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Easthampton Savings Bank9 Month IRA (Traditional,Roth)3 Reviews0.50%$500-$93.78
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Sandia Laboratory Credit Union6 Month IRA (Traditional,Roth,CESA)0.50%$1k-$62.59
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First Jersey Credit Union6 Month IRA0.50%$1k-$62.59
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Self Reliance (NJ) Credit Union6 Month IRA Certificate (Traditional,Roth,CESA)0.50%--$62.59
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Security Bank (OK)182 Day IRA (Traditional,Roth)0.50%$2k-$62.25
DETAILS
Northwest Federal Credit Union6 Month IRA Certificate (Traditional,Roth,CESA,SEP)9 Reviews0.49%$25k-$61.34
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Garden Savings Federal Credit Union9 Month IRA Share Certificate (Traditional,Roth,CESA)0.45%$500-$84.40
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Parke Bank6 Month IRA (Traditional,Roth)1 Review0.45%$500-$56.34
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Patriot Bank6 Month IRA 4 Reviews0.45%$1k-$56.34
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Haven Savings Bank9 Month IRA0.40%$500-$75.03
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First Bank (NJ)9 Month IRA0.40%$500-$75.03
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Armed Forces Bank, National Association9 Month IRA (Traditional,Roth,CESA)0.40%$500-$75.03
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NJM Bank9 Month IRA (Traditional,Roth)0.40%$500-$75.03
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Capital One 3609 Month IRA (Traditional,Roth)12 Reviews0.40%--$75.03
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Affinity Credit Union9 Month IRA Certificate5 Reviews0.40%$500-$75.03
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Freehold Savings Bank8 Month IRA (Traditional,Roth,CESA)0.40%$500-$66.81
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First Choice Bank (NJ)6 - 9 Month IRA (Traditional,Roth,SEP)1 Review0.40%$1k-$56.12
DETAILS
Freedom Bank (NJ)6-11 Month IRA (Traditional,Roth,SEP)0.40%$500-$56.12
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Pen Air Credit Union6 Month IRA (Traditional,Roth,SEP,CESA)2 Reviews0.40%$500-$50.09
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First Point FCU6 Month IRA (Traditional,Roth,CESA)0.40%$1k-$50.09
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Valley National Bank6 Month IRA (Traditional,Roth,CESA)11 Reviews0.40%$250-$50.09
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Apple Federal Credit Union6 Month IRA Certificate (Traditional,Roth,CESA)17 Reviews0.40%$500-$50.09
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Belvoir Federal Credit Union6 Month IRA Share Certificate1 Review0.40%$1k-$50.09
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HAB Bank6 Month IRA - Queens & NJ & Hicksville0.38%$1,500-$47.59
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Displaying 1-40 of 131 Results



6 Month IRA Rate Trend

6-Month IRA CD

A short term IRA CD could be a beneficial part of your investment strategy, depending on your overall personal finance goals. The 6-Month IRA CD, or 180 Day IRA, basically offers you a way to take advantage of IRA (Individual Retirement Accounts) tax implications while keeping your funds relatively liquid during a season of interest rate increases. The IRA component of this product limits how you can use the funds contained within it, and the CD component limits potential growth, as well as well as the product’s time horizon.

Within an IRA Savings Account, you are able to allocate contributed funds into different investments (e.g., mutual funds, stock funds, index funds), the range of possible investments being determined by the bank issuing the IRA. As a result, a lot of standard IRA Savings Accounts come with management fees, and your return will fluctuate based on the performance of the underlying investments. IRA CDs, on the other hand, guarantee a specific return and are more likely to avoid costly management fees.

Laddering a 6-month IRA CD would give you the option to reinvest it at its maturity date or put it into a standard IRA account (in order to avoid the penalties associated with cashing out the IRA). Though it varies based on current CD rates, banks and credit unions usually offer 6-month IRA CD interest rates that are comparable to a standard savings or IRA account. Many financial institutions have an online banking system enabling consumer to apply online for IRA CDs. An ACH transfer is usually easy to set up and is an easy way to fund the account.