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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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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

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Mutual of Omaha Bank9 Month IRA Special (Traditional, Roth, CESA)4 Reviews
2.55%
$1k-$477
Garden Savings FCU8 Month IRA Promo Share Certificate (Traditional, Roth, CESA)3 Reviews
2.50%
$500-$416
INOVA FCU7 Month IRA (Traditional, Roth, CESA)33 Reviews
2.50%
$200-$363
TIAA Bank9 Month Yield Pledge IRA (Traditional, Roth)18 Reviews
2.47%
$5k-$462
Veridian Credit Union9 Month IRA Special (Traditional, Roth, CESA)21 Reviews
2.40%
$1k-$449
NASA FCU9 Month IRA Certificate Special - New Money (Traditional, Roth)36 Reviews
2.35%
$10k-$440
2.35%
$1k-$391
Communitywide FCU6 Month IRA (Traditional, Roth)4 Reviews
2.35%
$2k-$293
Country Bank for Savings9 Month IRA Special - New Money (Traditional, Roth, CESA)1 Review
2.25%
$10k-$421
Elements Financial8 Month IRA Special (Traditional, Roth, CESA)4 Reviews
2.25%
$1k-$375
AFFCU6 Month IRA1 Review
2.25%*
$25k-$280
Northfield Bank5 Month IRA (Traditional, Roth)5 Reviews
2.25%
$2.5k-$233
Pinnacle FCU6 Month IRA (Traditional, Roth, CESA)4 Reviews
2.20%
$500-$274
Advancial6 Month Junior Jumbo IRA (Traditional, Roth, CESA)9 Reviews
2.18%
$25k$50k$272
Bellco Credit Union6 Month IRA (Traditional, Roth, CESA)13 Reviews
2.10%
$500-$262
American Heritage FCU9 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.05%
$1k-$384
Financial Resources FCU9 Month IRA Special (Traditional, Roth, CESA)2 Reviews
2.02%
$500-$378
Service Credit Union9 Month IRA Certificate (Traditional, Roth, CESA)19 Reviews
2.00%
$1k-$374
California Coast Credit Union9 Month IRA Certificate - New Money (Traditional, Roth, CESA, SEP)2 Reviews
2.00%
$2k-$374
Michigan State University FCU6 Month IRA (Traditional, Roth, CESA, SEP)8 Reviews
2.00%
$500-$280
Bethpage FCU6 Month IRA (Traditional, Roth)8 Reviews
2.00%
$50-$249
Wells Fargo Bank9 Month IRA Special (Traditional, Roth, SEP)323 Reviews
1.90%
$2.5k-$356
Partner Colorado Credit Union6 Month Add-On IRA (Traditional, Roth, CESA, SEP)3 Reviews
1.90%
$100-$237
1.87%
$1k-$272
AgFed Credit Union6 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
1.85%
$1k-$231
Interior FCU6 Month IRA Certificate (Traditional, Roth, CESA)2 Reviews
1.81%
$500-$226
M.Y. Safra Bank9 Month Classic IRA (Traditional, Roth)5 Reviews
1.80%
$5k-$337
Chartway FCU9 Month IRA special (Traditional, Roth)27 Reviews
1.80%
$500-$337
United States Senate FCU6-11 Month IRA (Traditional, Roth, SEP)9 Reviews
1.71%*
$20k-$239
Georgia Banking Company180 Day IRA Certificate (Traditional, Roth)9 Reviews
1.70%
$500-$209
Hyperion Bank9 Month IRA (Traditional, Roth)
1.60%
$500-$300
Technology Credit Union9 - 11 Month IRA (Traditional, Roth)9 Reviews
1.60%
$1k-$224
Home Savings Bank6 Month Internet Only IRA (Traditional, Roth)
1.60%
$5k$250k$200
Sun East FCU6 Month IRA (Traditional, Roth)6 Reviews
1.60%
$500-$200
Andigo6 Month IRA4 Reviews
1.50%
$1k-$187
Kinecta FCU6 Month IRA (Traditional, Roth)6 Reviews
1.50%*
$1k-$187
Nationwide by Axos Bank6 Month IRA (Traditional, Roth)2 Reviews
1.50%
$500-$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)4 Reviews
1.50%
$500-$187

Displaying 1-40 of 112 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.