IRA Rates 6-Months

Compare IRA rates from financial institutions throughout the United States. When selecting an IRA CD it’s it is useful to know which banks and credit unions offer the highest rates. We have compiled a list of thousands of IRA CD rates to help you sort through the countless choices.

Bank IRA Months Rates Min $ Max $
Veridian Credit Union
9 Month IRA Special (Traditional, Roth, CESA)
0.75%$1k-
Communitywide FCU
6 Month IRA (Traditional, Roth)
0.70%$1k-
Interior FCU
6 Month IRA Certificate (Traditional, Roth, CESA)
0.56%$500-
Evansville Teachers FCU
8 Month IRA (Traditional, Roth, CESA)
0.55%$1k-
TIAA Bank
9 Month IRA (Traditional, Roth)
0.45%$1k-
Service Credit Union
9 Month IRA Certificate (Traditional, Roth)
0.45%$500-
Signature FCU
9 Month IRA Certificate (Traditional, Roth, CESA)
0.45%$500-
MutualOne Bank
9 Month Advantage (Traditional, Roth)
0.40%$5k-
TAB Bank
9 Month IRA CD (Traditional, Roth, CESA)
0.40%$1k-
Consumers Credit Union (IL)
6 Month IRA (Traditional, Roth, CESA, SEP)
0.40%$250$100k
Hanscom FCU
6 Month IRA (Traditional, Roth)
0.40%$500-
NASA FCU
6 Month IRA Certificate (Traditional, Roth)
0.40%$1k-
Kinecta FCU
6 Month IRA (Traditional, Roth)
0.35%*$1k-
Technology Credit Union
6 - 8 Month IRA (Traditional, Roth)
0.35%$1k-
Matadors Community Credit Union
6 Month IRA (Traditional, Roth)
0.35%$1k-
Xceed Financial FCU
6 Month IRA (Traditional, Roth, CESA)
0.35%$500-
Bellco Credit Union
6 Month IRA (Traditional, Roth, CESA)
0.35%$500-
M.Y. Safra Bank
9 Month Classic IRA (Traditional, Roth)
0.35%$5k-
Synchrony Bank
9 Month IRA CD (Traditional, Roth)
0.35%$2k-
Pawtucket Credit Union
8 Month IRA (Traditional, Roth, CESA)
0.35%$1k-
People's Trust FCU
9 Month IRA (Traditional, Roth, CESA, SEP)
0.31%*$1k-
Zeal Credit Union
9 Month IRA (Traditional, Roth, CESA, SEP)
0.30%*$500-
Wings Financial Credit Union
6 Month IRA (Traditional, Roth, CESA)
0.30%*$500-
Ally Bank
9 Month IRA High Yield CD (Traditional, Roth, SEP)
0.30%--
Fort Bragg FCU
6 Month IRA Term Share Certificate (Traditional, Roth, CESA)
0.30%$500-
Garden Savings FCU
9 Month IRA Share Certificate (Traditional, Roth, CESA)
0.30%$500-
Chartway FCU
6-11 Month IRA (Traditional, Roth)
0.30%--
Discover Bank
9 Month IRA (Traditional, Roth)
0.30%$2.5k-
Pennsylvania State Employees Credit Union
9 Month IRA (Traditional, Roth, CESA)
0.30%$500-
Teachers FCU
9 Month IRA (Traditional, Roth)
0.30%$1k-
American Heritage FCU
9 Month IRA Certificate (Traditional, Roth, CESA)
0.30%$1k-
Marine FCU
6 Month IRA (Traditional, Roth, CESA, SEP)
0.30%$500-
Pen Air FCU
6 Month IRA (Traditional, Roth, SEP, CESA)
0.30%$500-
Genisys Credit Union
6 Month IRA Certificate (Traditional, Roth, CESA)
0.30%$500-
Greenwood Credit Union
6 Month IRA Certificate (Traditional, Roth, CESA, SEP)
0.30%$1k-
SunWest
6 Month IRA Certificate
0.25%*$500-
Grow Financial FCU
6 - 11 Month IRA Certificate (Traditional, Roth)
0.25%*$500-
Corporate America Family Credit Union
6 Month IRA (Traditional, Roth, CESA)
0.25%*$1k-
Workers Credit Union
6 Month IRA (Traditional, Roth)
0.25%*$1k-
Wheelhouse Credit Union
6 Month IRA Certificate (Traditional, Roth)
0.25%$500-
Susquehanna Community Bank
182 Day IRA (Traditional, Roth, CESA)
0.25%$500$100k
Hyperion Bank
9 Month IRA (Traditional, Roth)
0.25%$500-
Affinity FCU
9 Month IRA Certificate (Traditional, Roth, CESA)
0.25%$500-
North American Savings Bank
7 Month IRA
0.25%$1k-
Michigan State University FCU
6 Month IRA (Traditional, Roth, CESA, SEP)
0.25%$500-
Financial Partners Credit Union
6 to 11 Month IRA (Traditional, Roth)
0.25%$1k-
Quorum FCU
6 Month IRA Term Savings (Traditional, Roth)
0.25%$1k-
Ohio University Credit Union
6-11 Month IRA Certificate (Traditional, Roth, CESA)
0.25%$500-
Home Savings Bank
6 Month Internet Only IRA (Traditional, Roth)
0.25%$5k$250k
ConnectOne Bank
6 Month IRA
0.25%$500-
One American Bank
6 Month IRA (Traditional, Roth)
0.25%$500-
Ponce Bank
6 Month IRA (Traditional, Roth, CESA)
0.25%$500-
RTN FCU
6 Month IRA (Traditional, Roth, SEP)
0.25%$1k-
Sun East FCU
6 Month IRA (Traditional, Roth)
0.25%$500-
TBK Bank
6 Month IRA (Traditional, Roth, CESA)
0.25%$500-
Bay State Savings Bank
6 Month IRA (Traditional, Roth, CESA, SEP)
0.25%$500-
Premier America Credit Union
6 Month IRA (Traditional, Roth)
0.20%*$1k-
California Coast Credit Union
6 Month IRA (Traditional, Roth, CESA, SEP)
0.20%*$1k-
Ideal Credit Union
6 Month IRA (Traditional, Roth)
0.20%*$500-
NuVision FCU
6 Month IRA (Traditional, Roth, CESA)
0.20%*$1k-
American Bank
9 Month IRA (Traditional, Roth, CESA)
0.20%$250-
People's Credit Union
9 Month IRA (Traditional, Roth, CESA)
0.20%$500-
Achieva Credit Union
6 Month IRA/457B (Traditional, Roth, CESA)
0.20%$500-
1st Source Bank
8 Month IRA Special (Traditional, Roth, CESA)
0.20%$500-
Patelco Credit Union
6 - 11 Month IRA (Traditional, Roth, CESA)
0.20%$250-
St. Mary's Bank
6 - 11 Month IRA
0.20%$500-
Elements Financial
6 Month IRA (Traditional, Roth, CESA)
0.20%$1k-
Mountain America Credit Union
6 Month IRA (Traditional, Roth)
0.20%$500-
MTC FCU
6 Month IRA (Traditional, Roth, CESA)
0.20%$250-
Parda FCU
6 Month IRA (Traditional, Roth)
0.20%$500-
Zions Bank
9 Month IRA CD (Traditional, Roth)
0.18%*$1k-
Blue FCU
6 Month IRA (Traditional, Roth)
0.15%*$1k-
Capital Educators FCU
6 Month IRA Certificate
0.15%*$500-
United States Senate FCU
6-11 Month IRA (Traditional, Roth, SEP)
0.15%*$1k-
Financial Resources FCU
6 Month IRA (Traditional, Roth, CESA)
0.15%$500-
First Technology FCU
6 Month IRA (Traditional, Roth, CESA)
0.15%$500-
Premier Members Credit Union
6 Month IRA (Traditional, Roth)
0.15%$500$100k
Southeast Financial Credit Union
6 Month IRA (Traditional, Roth, CESA)
0.15%$500-
Xcel FCU
6 Month IRA (Traditional, Roth)
0.15%$500-
Amalgamated Bank
6 Month IRA (In Branch Only) (Traditional, Roth)
0.15%$500$250k
AgFed Credit Union
6 Month IRA Certificate (Traditional, Roth, CESA)
0.15%$250-
OneWest Bank (CA)
9 Month IRA
0.15%$1k-
Summit Credit Union (WI)
9 Month IRA (Traditional, Roth, CESA)
0.15%$500-
Lake Michigan Credit Union
9 Month IRA CD (Traditional, Roth, CESA, SEP)
0.15%$500-
bankESB
9 Month IRA (Traditional, Roth)
0.15%$1k-
OneUnited Bank
UNITY 270 Day IRA CD
0.15%$1k-
The Adirondack Trust Company
182 Day IRA (Traditional, Roth, CESA, SEP, SIMPLE)
0.15%--
Northpointe Bank
6 - 11 Month IRA CD
0.15%$1k-
Market USA FCU
6 Month IRA (Traditional, Roth, CESA)
0.15%$500-
Western Vista FCU
6 Month IRA CD (Traditional, Roth)
0.13%$500$10k
Northwest FCU
6 Month IRA Certificate (Traditional, Roth, CESA, SEP)
0.11%*$1k-
Pinnacle FCU
6 Month IRA (Traditional, Roth, CESA)
0.11%$500-
First Security Bank & Trust
6 - 11 Month IRA (Traditional, Roth, SEP)
0.10%*$2.5k-
California First National Bank
6 Month IRA
0.10%*$2k-
Princeton FCU
9 Month IRA
0.10%$1k-
Digital FCU (DCU)
6 - 11 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)
0.10%$500-
Newtown Savings Bank
6 Month IRA (Traditional, Roth)
0.10%$500-
nbkc bank
6 Month IRA CD (Traditional, Roth)
0.10%$1k-
American 1 Credit Union
180 Day IRA (Traditional, Roth, CESA)
0.10%$50-
Country Bank (MA)
9 Month IRA (Traditional, Roth, SEP)
0.10%$500-

IRA Rates

An IRA, or Individual Retirement Account, is an investment vehicle with tax rules and maximum contribution limits set by the Internal Revenue Service. The two main types of IRAs are a Roth IRA and a Traditional IRA, which have differing tax liabilities and benefits. Roth IRA rules essentially allow you to withdraw contributions and grow earnings tax-free, whereas Traditional IRA rules allow you to write contributions off to reduce your taxable income. IRA rates vary based on the underlying investments, which in the case of an IRA CD is a certificate of deposit.

SEP & Simple

Financial institutions usually offer a SEP IRA and a Simple IRA, as well, to provide retirement benefits geared towards small businesses. If you are switching employers or looking to accomplish a 401k rollover, both could be good options for you. All IRA CDs by law have early withdrawal penalties for removing funds before the date of maturity.

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