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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. Click here to learn more about 6-month IRA CDs and how they can be a beneficial tool in your retirement strategy.

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110 Results

Nationwide Only
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Advancial6 Month Junior Jumbo IRA (Traditional, Roth, CESA)7 Reviews
2.76%
$25k$50k$344
Service Credit Union9 Month IRA Certificate Special (Traditional, Roth, CESA)19 Reviews
2.50%
$1k-$468
Communitywide FCU6 Month IRA (Traditional, Roth)4 Reviews
2.30%
$2k-$287
TIAA Bank9 Month Yield Pledge IRA (Traditional, Roth)13 Reviews
2.20%
$5k-$412
Pinnacle FCU6 Month IRA (Traditional, Roth, CESA)4 Reviews
2.20%
$500-$274
Sun East FCU7 Month IRA Special - New Money Only (Traditional, Roth)6 Reviews
2.10%
$500-$305
AFFCU6 Month IRA
2.05%*
$1k-$256
Bethpage FCU6 Month IRA (Traditional, Roth)8 Reviews
2.00%
$50-$249
Kinecta FCU6 Month IRA (Traditional, Roth)6 Reviews
2.00%*
$1k-$249
Bellco Credit Union6 Month IRA (Traditional, Roth, CESA)13 Reviews
2.00%
$500-$249
Veridian Credit Union9 Month IRA Special (Traditional, Roth, CESA)21 Reviews
1.90%
$1k-$356
1.87%
$1k-$272
Georgia Banking Company180 Day IRA Certificate (Traditional, Roth)2 Reviews
1.85%
$500-$227
People's Trust FCU9 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
1.78%*
$25k-$333
Michigan State University FCU6 Month IRA (Traditional, Roth, CESA, SEP)8 Reviews
1.75%
$500-$245
United States Senate FCU6-11 Month IRA (Traditional, Roth, SEP)6 Reviews
1.71%*
$20k-$239
Technology Credit Union9 - 11 Month IRA (Traditional, Roth)9 Reviews
1.60%
$1k-$224
Digital FCU (DCU)6 - 11 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)28 Reviews
1.56%
$500-$218
Signature FCU9 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.55%
$500-$290
Financial Resources FCU9 Month IRA Special (Traditional, Roth, CESA)2 Reviews
1.51%
$500-$283
Chartway FCU6-11 Month IRA (Traditional, Roth)27 Reviews
1.50%
$500-$210
Home Savings Bank6 Month Internet Only IRA (Traditional, Roth)
1.50%
$5k$250k$187
Summit Credit Union (WI)6 Month IRA (Traditional, Roth, CESA)5 Reviews
1.50%
$500-$187
Utah First FCU6 Month IRA (Traditional, Roth, CESA)2 Reviews
1.50%
$500-$187
ABCO FCU6 Month IRA CD6 Reviews
1.50%
$1k-$187
Market USA FCU6 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
1.50%
$500-$187
AgFed Credit Union6 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.45%
$1k-$181
MTC FCU6 Month Share Plus IRA (Traditional, Roth)
1.41%
$10k-$176
NuVision FCU6 Month IRA (Traditional, Roth, CESA, SEP)
1.40%*
$25k-$175
SunWest6 Month IRA Certificate
1.40%*
$25k-$175
First Security Bank & Trust6 - 11 Month IRA (Traditional, Roth, SEP)6 Reviews
1.37%*
$10k-$192
Matadors Community Credit Union6 Month IRA (Traditional, Roth)1 Review
1.35%
$10k-$169
Country Bank for Savings6 Month IRA Special (New Money) (Traditional, Roth, CESA)1 Review
1.35%
$10k-$169
Interior FCU6 Month IRA Certificate (Traditional, Roth, CESA)
1.31%*
$500-$164
Affinity FCU9 Month IRA Certificate (Traditional, Roth, CESA)9 Reviews
1.30%
$500-$244
American Heritage FCU9 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
1.30%
$1k-$244
Partner Colorado Credit Union6 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
1.30%
$500-$162
Premier America Credit Union6 Month IRA (Traditional, Roth)8 Reviews
1.30%*
$25k-$162
GTE Financial6 Month IRA (Traditional, CESA, Roth, SEP)28 Reviews
1.26%
$500-$157

Displaying 1-40 of 110 Results


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.




* The APY (Annual Percentage Yield) shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.