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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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113 Results

Nationwide Only
Ally BankIRA High Yield 9-Month CD (Traditional, Roth, SEP)659 Reviews
2.00%*
$25k-$374
Service Credit Union6 Month SEG IRA Certificate (Traditional, CESA, Roth)20 Reviews
1.75%
$250-$218
EverBank9 Month Yield Pledge IRA (Traditional, Roth)71 Reviews
1.60%
$5k-$300
Bethpage FCU6 Month IRA (Traditional, Roth)8 Reviews
1.50%
$50-$187
Nationwide Bank6 Month IRA (Traditional, Roth, CESA, SEP)173 Reviews
1.50%*
--$187
Signature FCU9 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.35%
$500-$253
M.Y. Safra Bank9 Month Classic IRA (Traditional, Roth)3 Reviews
1.30%
$5k-$244
American Heritage FCU9 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
1.30%
$1k-$244
Air Force FCU6 Month IRA (Traditional, Roth, CESA)
1.30%*
$1k-$162
People's Trust FCU9 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
1.28%*
$25k-$240
1.26%
$2k-$157
Synchrony Bank9 Month IRA CD (Traditional, Roth)285 Reviews
1.25%
$2k-$234
Kinecta FCU6 Month IRA (Traditional, Roth)6 Reviews
1.25%*
$1k-$156
Financial Resources FCU9 Month IRA Special (Traditional, Roth, CESA)2 Reviews
1.21%
$500-$227
Communitywide FCU6 Month IRA (Traditional, Roth)5 Reviews
1.20%
$2k-$150
Premier Members Credit Union6 Months IRA (Traditional, Roth)1 Review
1.20%
$500$100k$150
United States Senate FCU6-12 Month IRA (Traditional, Roth, SEP)4 Reviews
1.16%*
$20k$100k$162
GTE Financial6 Month IRA Certificate (Traditional, CESA, Roth, SEP)26 Reviews
1.06%
$500-$133
Amalgamated Bank7 Month Promotional IRA (In Branch Only) (Traditional, Roth)
1.05%
$500-$153
ConnectOne Bank6 Month Personal IRA4 Reviews
1.01%
$500-$126
Northpointe Bank6 - 11 Month Fixed IRA23 Reviews
1.00%
$500-$140
Apple FCU6 Month IRA (Traditional, Roth, CESA)22 Reviews
1.00%
$500-$125
SCE FCU6 Month IRA (Traditional, Roth, CESA)1 Review
1.00%
$1k-$125
Utah First FCU6 Month IRA (Traditional, Roth, CESA)2 Reviews
1.00%*
$500-$125
Interior FCU6 Month IRA Certificate (Traditional, Roth, CESA)
1.00%*
$500-$125
Bellco Credit Union6 Months IRA (Traditional, Roth, CESA)12 Reviews
1.00%
$500-$125
Wells Fargo Bank9 Month IRA Special (Traditional, Roth, SEP)316 Reviews
0.95%
$2,500-$178
EECU6 Month Fixed IRA (Traditional, Roth, CESA, SEP)5 Reviews
0.95%
$1k$50k$119
Matadors Community Credit Union6 Month IRA (Traditional, Roth)1 Review
0.95%
$10k-$119
NuVision FCU6 Month IRA (Traditional, Roth, CESA, SEP)
0.95%*
$25k-$119
AgFed Credit Union6 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
0.95%
$1k-$119
Quorum FCU7 Month IRA Term Savings (Traditional, Roth)8 Reviews
0.90%
$1k-$131
Chartway FCU6-11 Month IRA (Traditional, Roth, CESA)26 Reviews
0.90%*
$10k$25k$126
Wings Financial Credit Union6 Month Dividend Paid at Maturity IRA Certificate (Traditional, Roth, CESA)34 Reviews
0.90%*
$10k-$113
Pen Air FCU6 Month IRA (Traditional, Roth, SEP, CESA)11 Reviews
0.90%
$500-$113
Blue FCU6 Month IRA - Sapphire (Traditional, Roth)11 Reviews
0.90%
$2k-$113
USE FCU6 Month IRA Certificate
0.90%*
$500-$113
Grow Financial FCU6 - 11 Month IRA Certificate15 Reviews
0.85%*
$500-$119
Michigan State University FCU6 Month IRA (Traditional, Roth, CESA, SEP)7 Reviews
0.85%
$500-$119
First Security Bank & Trust6 - 11 Month IRA (Traditional, Roth, SEP)6 Reviews
0.81%*
$10k-$114

Displaying 1-40 of 113 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 feedback@depositaccounts.com 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.