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.

ALERT: Due to the recent, emergency interest rate cuts by the Fed, we're detecting a high volume of deposit rate changes by banks and credit unions. If you're unable to find an account, it may be hidden temporarily while it is being reviewed for accuracy. Read more here.
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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:

Nationwide Only
NASA FCU9 Month IRA Certificate Special (Traditional, Roth)43 Reviews
1.50%
$10k-$281
Bellco Credit Union6 Month IRA (Traditional, Roth, CESA)13 Reviews
1.35%
$500-$169
Communitywide FCU6 Month IRA (Traditional, Roth)4 Reviews
1.25%
$1k-$156
1.25%
$1k-$156
1.15%
$1k-$167
Interior FCU6 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
1.11%
$500-$139
TIAA Bank9 Month Yield Pledge IRA (Traditional, Roth)23 Reviews
1.10%
$5k-$206
Pen Air FCU6 Month IRA (Traditional, Roth, SEP, CESA)16 Reviews
1.10%
$500-$138
Chartway FCU6-11 Month IRA (Traditional, Roth)28 Reviews
1.00%
--$140
Northpointe Bank6 - 11 Month IRA CD38 Reviews
0.95%
$1k-$133
GreenState Credit Union8 Month IRA Special (Traditional, Roth, CESA, SEP)30 Reviews
0.90%
$1k-$150
Signature FCU9 Month IRA Certificate (Traditional, Roth, CESA)8 Reviews
0.85%
$500-$159
Pinnacle FCU6 Month IRA (Traditional, Roth, CESA)4 Reviews
0.85%
$500-$106
Lake Michigan Credit Union6 Month IRA CD Special (Traditional, Roth, CESA)63 Reviews
0.85%
$500-$106
0.80%
$250-$134
0.75%
$500-$141
Synchrony Bank9 Month IRA CD (Traditional, Roth)332 Reviews
0.75%
$2k-$141
Ally BankIRA High Yield 9 Month CD (Traditional, Roth, SEP)717 Reviews
0.75%*
--$141
Country Bank for Savings9 Month IRA Special - New Money (Traditional, Roth, SEP)1 Review
0.75%
$10k$5m$141
Financial Partners Credit Union6 to 11 Month IRA (Traditional, Roth)7 Reviews
0.75%
$1k-$105
Technology Credit Union9 - 11 Month IRA (Traditional, Roth)9 Reviews
0.75%
$1k-$105
Marine FCU6 Month IRA (Traditional, Roth, CESA, SEP)4 Reviews
0.75%
$500-$93.83
Partner Colorado Credit Union6 Month IRA (Traditional, Roth, CESA, SEP)3 Reviews
0.75%
$500-$93.83
American 1 Credit Union180 Day IRA (Traditional, Roth, CESA)1 Review
0.75%
$50-$92.29
Capital One9 Month 360 IRA (Traditional, Roth)431 Reviews
0.70%
--$131
Discover Bank9 Month IRA (Traditional, Roth)222 Reviews
0.70%
$2.5k-$131
Service Credit Union9 Month IRA Certificate (Traditional, Roth)20 Reviews
0.70%
$1k-$131
Premier America Credit Union6 Month IRA (Traditional, Roth)12 Reviews
0.70%*
$25k-$87.59
TruStone Financial Credit Union6 Month IRA (Traditional, Roth)9 Reviews
0.70%
$500-$87.59
NuVision FCU6 Month IRA (Traditional, Roth, CESA, SEP)1 Review
0.69%*
$25k-$86.34
People's Trust FCU9 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
0.67%*
$25k-$126
Hyperion Bank9 Month IRA (Traditional, Roth)
0.65%
$500-$122
Affinity FCU9 Month IRA Certificate (Traditional, Roth, CESA)9 Reviews
0.65%
$500-$122
0.65%
$500-$81.34
MTC FCU6 Month IRA Plus (Traditional, Roth, CESA)
0.65%
$10k-$81.34
Parda FCU6 Month Traditional IRA (Traditional, Roth)1 Review
0.65%
$500-$81.34
Home Savings Bank6 Month Internet Only IRA (Traditional, Roth)
0.60%
$5k$250k$75.09
Ideal Credit Union6 Month IRA (Traditional, Roth)5 Reviews
0.60%*
$25k-$75.09
Matadors Community Credit Union6 Month IRA (Traditional, Roth)1 Review
0.60%
$10k-$75.09
AgFed Credit Union6 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
0.60%
$1k-$75.09

Displaying 1-40 of 118 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.