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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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$1 $100,000
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104 Results

Nationwide Only
Ally BankIRA High Yield 9-Month CD (Traditional, Roth, SEP)428 Reviews
Xcel FCU6 Month CESA7 Reviews
Chevron FCU9 Month IRA (Traditional, Roth)4 Reviews
Service Credit Union9 Month IRA Certificate Special (Traditional, Roth, CESA)18 Reviews
EverBank9 Month Yield Pledge IRA (Traditional, Roth)22 Reviews
Blue FCU6 Month IRA - Sapphire (Traditional, Roth)7 Reviews
Northpointe Bank6 - 11 Month Fixed IRA9 Reviews
GTE Financial6 Month IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
Navy FCU9 Month IRA (Traditional, Roth, SEP)121 Reviews
M.Y. Safra Bank9 Month Classic IRA (Traditional, Roth)2 Reviews
INOVA FCU7 Month IRA (Traditional, Roth, CESA)27 Reviews
MutualOne Bank7 Month IRA (Traditional, Roth)1 Review
Home Savings Bank6 Month Internet Only IRA
Bethpage FCU6 Month IRA (Traditional, Roth, SEP, SIMPLE)5 Reviews
Northwest FCU6 Month IRA Certificate (Traditional, Roth, CESA, SEP)14 Reviews
Discover Bank9 Month IRA (Traditional, Roth)110 Reviews
Amalgamated Bank7 Month IRA Promo CD2 Reviews
Chartway FCU6-11 Month IRA (Traditional, Roth, CESA)20 Reviews
United States Senate FCU6-12 Month IRA (Traditional, Roth, SEP)1 Review
Matadors Community Credit Union6 Month IRA (Traditional, Roth)1 Review
Premier America Credit Union6 Month IRA (Traditional, Roth, CESA)6 Reviews
Wings Financial Credit Union6 Month Dividend Paid at Maturity IRA Certificate (Traditional, Roth, CESA)30 Reviews
OneWest Bank N.A. (Pasadena, CA)9 Month IRA (Traditional, Roth, SEP)18 Reviews
Garden Savings FCU9 Month IRA Share Certificate (Traditional, Roth, CESA)
Tampa Bay FCU6 - 11 Month IRA Certficate (Traditional, Roth, CESA)5 Reviews
Kinecta FCU6 Month IRA (Traditional, Roth)3 Reviews
NuVision FCU6 Month IRA (Traditional, Roth, CESA, SEP)
Xceed Financial FCU6 Month IRA (Traditional, Roth, CESA)14 Reviews
Andrews FCU6 Month Jumbo IRA Certificate (Traditional, Roth, CESA)24 Reviews
People's Trust FCU9 Months IRA (Traditional, Roth, CESA, SEP)1 Review
Country Bank for SavingsIRA - 9 Month (Traditional, Roth)
OneUnited BankUNITY 270 Day IRA CD2 Reviews
Evansville Teachers FCU8 Month IRA (Traditional, Roth, CESA)1 Review
Grow Financial FCU6 - 11 Month IRA Certificate12 Reviews
EECU6 Month Fixed IRA (Traditional, Roth, CESA, SEP)4 Reviews
Hanscom FCU6 Month IRA (Traditional, Roth)2 Reviews
Mountain America Credit Union6 Month IRA (Traditional, Roth)15 Reviews

Displaying 1-40 of 104 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 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.