Featured 1-Year CD Rates
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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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Deposit Amount
$1 $100,000
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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

104 Results


Nationwide Only
Chevron FCU9 Month IRA (Traditional, Roth)3 Reviews
1.00%
$500-$187
Service Credit Union9 Month IRA Certificate Special (Traditional, Roth, CESA)15 Reviews
1.00%
$1k-$187
EverBank9 Month Yield Pledge IRA (Traditional, Roth)21 Reviews
0.95%
$5k-$178
Blue FCU6 Month IRA - Sapphire (Traditional, Roth)6 Reviews
0.90%
$2k-$113
GTE Financial6 Month IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
0.85%
$500-$106
0.75%
$2k-$93.83
Premier America Credit Union6 Month IRA (Traditional, Roth, CESA)6 Reviews
0.75%*
$25k-$93.83
Northwest FCU6 Month IRA Certificate (Traditional, Roth, CESA, SEP)13 Reviews
0.75%*
$1k-$93.83
Discover Bank9 Month IRA (Traditional, Roth)97 Reviews
0.70%
$2,500-$131
Navy FCU9 Month IRA (Traditional, Roth, SEP)115 Reviews
0.70%*
$20k-$131
United States Senate FCU6-12 Month IRA (Traditional, Roth, SEP)2 Reviews
0.70%*
$20k$100k$98.14
0.70%
$2k-$87.59
Ally BankIRA High Yield 9-Month CD (Traditional, Roth, SEP)361 Reviews
0.69%*
$25k-$129
0.65%*
$10k-$122
Chartway FCU6-11 Month IRA (Traditional, Roth, CESA)20 Reviews
0.65%*
$10k-$91.14
Xcel FCU6 Month CESA6 Reviews
0.65%
$5k-$81.34
0.65%
$1k-$81.34
People's Trust FCU9 Months IRA (Traditional, Roth, CESA, SEP)1 Review
0.62%*
$25k-$116
OneWest Bank N.A. (Pasadena, CA)9 Month IRA (Traditional, Roth, SEP)18 Reviews
0.60%
$1k-$113
Garden Savings FCU9 Month IRA Share Certificate (Traditional, Roth, CESA)
0.60%
$500-$113
Amalgamated Bank7 Month IRA Promo CD2 Reviews
0.60%
$500-$87.43
Tampa Bay FCU6 - 11 Month IRA Certficate (Traditional, Roth, CESA)4 Reviews
0.60%*
$500-$84.14
Kinecta FCU6 Month IRA (Traditional, Roth)3 Reviews
0.60%
$1k$100k$75.09
Xceed Financial FCU6 Month IRA (Traditional, Roth, CESA)14 Reviews
0.60%
$500-$75.09
Andrews FCU6 Month Jumbo IRA Certificate (Traditional, Roth, CESA)22 Reviews
0.60%
$10k-$75.09
Country Bank for SavingsIRA - 9 Month (Traditional, Roth)
0.55%
$500-$103
OneUnited BankUNITY 270 Day IRA CD2 Reviews
0.55%
$1k-$102
Evansville Teachers FCU8 Month IRA (Traditional, Roth, CESA)1 Review
0.55%
$1k-$91.83
Hanscom FCU6 Month IRA (Traditional, Roth)2 Reviews
0.55%
$500-$68.84
Mid-Illini Credit Union6 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
0.53%
$500-$66.34
Easthampton Savings Bank9 Month IRA (Traditional, Roth)4 Reviews
0.50%
$1k-$93.78
Southeast Financial Credit Union6 Month IRA (Traditional, Roth, CESA)4 Reviews
0.50%
$500-$62.59
Marine FCU6 Month Traditional CESA3 Reviews
0.50%
$500-$62.59
Synchrony Bank9 Month IRA CD (Traditional, Roth)131 Reviews
0.45%*
$2k-$84.40
Matadors Community Credit Union6 Month IRA (Traditional, Roth)1 Review
0.45%*
$1k-$56.34
MutualOne Bank6 Month IRA (Traditional, Roth)1 Review
0.45%
$500-$56.34
NuVision FCU6 Month IRA (Traditional, Roth, CESA, SEP)
0.45%*
$25k-$56.34
SCE FCU6 Month IRA (Traditional, Roth, CESA)1 Review
0.45%
$1k-$56.34
AgFed Credit Union6 Month IRA Certificate (Traditional, Roth, CESA)
0.45%
$1k-$56.34
NBKC Bank6 - 11 Month IRA (Traditional, Roth)
0.40%
--$56.12

Displaying 1-40 of 104 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.




The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products 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 feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY 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.