Dedicated to Deposits: Deals, Data, and Discussion
Featured 2-Year CD Rates
Featured Accounts

6 Month IRA Rates

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

Customize your search to find the best account for you
Deposit Amount | $1 $100,000
Currently Including:
118
RESULTS

Results

Valley Industrial Credit Union6 Month Special IRA1.05%$5k-$131
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
DETAILS
Logix Federal Credit Union6 Month IRA w/ Platinum Relationship Rewards (Traditional,Roth)2 Reviews0.85%$1k-$106
DETAILS
Discover Bank9 Month IRA (Traditional,Roth)27 Reviews0.70%$2,500-$131
DETAILS
Synchrony Bank9 Month IRA CD (Traditional,Roth)10 Reviews0.70%$25k-$131
DETAILS
ABNB Credit Union8 Month Jumbo IRA Certificate Special (Traditional,Roth,CESA)1 Review0.70%$20k-$117
DETAILS
Xceed Financial Credit Union7 Month IRA (Traditional,Roth,CESA)9 Reviews0.70%$500-$102
DETAILS
Communitywide Credit Union6 Month IRA Share Certificate0.70%$2k-$87.59
DETAILS
Amalgamated Bank7 Month IRA Promo CD1 Review0.65%$500-$94.70
DETAILS
Ally BankIRA High Yield 9-Month CD (Traditional,Roth,SEP)111 Reviews0.64%--$120
DETAILS
OneWest Bank N.A. (Pasadena, CA)9 Month IRA (Traditional,Roth,SEP)16 Reviews0.60%$1k-$113
DETAILS
Virginia Partners Bank9 Month IRA0.60%$1k-$113
DETAILS
Digital Credit Union3 - 5 Month IRA Certificate - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews0.60%$500-$84.14
DETAILS
AB&W Credit Union6 Month IRA Share Certificate (Traditional,Roth,SEP,CESA)0.60%$1k-$75.09
DETAILS
Virginia Heritage Bank9 Month IRA0.55%$500-$103
DETAILS
OneUnited BankUNITY 270 Day IRA CD1 Review0.55%$1k-$102
DETAILS
Andrews Federal Credit Union6 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews0.55%$1k-$68.84
DETAILS
Easthampton Savings Bank9 Month IRA (Traditional,Roth)3 Reviews0.50%$500-$93.78
DETAILS
Urban Trust Bank9 Month IRA (Traditional,Roth)6 Reviews0.50%$500$100k$93.78
DETAILS
Sandia Laboratory Credit Union6 Month IRA (Traditional,Roth,CESA)0.50%$1k-$62.59
DETAILS
Fort Lee Credit Union6 Month IRA Certificate (Traditional,Roth,CESA)0.50%$2,500-$62.59
DETAILS
Piedmont Credit Union6 Month IRA Certificate (Traditional,Roth)0.50%$1k-$62.59
DETAILS
Marine Federal Credit Union6 Month Traditional IRA (Traditional,Roth,SEP,CESA)3 Reviews0.50%$500-$62.59
DETAILS
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
DETAILS
John Marshall Bank9 Month IRA2 Reviews0.45%$500-$84.40
DETAILS
Martinsville DuPont Credit Union6 Month IRA (Traditional,Roth,CESA)0.45%$2,500-$56.34
DETAILS
Patriot Bank6 Month IRA 4 Reviews0.45%$1k-$56.34
DETAILS
Armed Forces Bank, National Association9 Month IRA (Traditional,Roth,CESA)0.40%$500-$75.03
DETAILS
Capital One 3609 Month IRA (Traditional,Roth)12 Reviews0.40%--$75.03
DETAILS
Affinity Credit Union9 Month IRA Certificate5 Reviews0.40%$500-$75.03
DETAILS
Salem Va Medical Center Credit Union6 Month IRA0.40%$10k-$50.09
DETAILS
Pen Air Credit Union6 Month IRA (Traditional,Roth,SEP,CESA)2 Reviews0.40%$500-$50.09
DETAILS
Fairfax County Credit Union6 Month IRA Certificate (Traditional,Roth,CESA)0.40%$2,500-$50.09
DETAILS
Apple Federal Credit Union6 Month IRA Certificate (Traditional,Roth,CESA)17 Reviews0.40%$500-$50.09
DETAILS
Belvoir Federal Credit Union6 Month IRA Share Certificate1 Review0.40%$1k-$50.09
DETAILS
EverBank9 Month Yield Pledge IRA (Traditional,Roth)13 Reviews0.36%$1,500-$67.53
DETAILS
Hudson City Savings Bank9 Month IRA (Traditional,Roth,SEP,CESA,SIMPLE)11 Reviews0.35%$500-$65.66
DETAILS
McGraw Hill Credit Union9 Month IRA (Traditional,Roth,CESA)0.35%$10k-$65.66
DETAILS

Displaying 1-40 of 118 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.