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.

If you want to see the highest APY for other account types, see our other comparison charts here.

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-
Allegacy FCU
9 Month IRA (Traditional, Roth, CESA)
0.50%*--
American Heritage FCU
9 Month IRA Certificate (Traditional, Roth, CESA)
0.50%$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-
Genisys Credit Union
6 Month IRA Certificate (Traditional, Roth, CESA)
0.40%$500-
NASA FCU
6 Month IRA Certificate (Traditional, Roth)
0.40%$1k-
Kinecta FCU
6 Month IRA (Traditional, Roth)
0.35%*$1k-
M.Y. Safra Bank
9 Month Classic IRA (Traditional, Roth)
0.35%$5k-
Technology Credit Union
6 - 8 Month IRA (Traditional, Roth)
0.35%$1k-
Synchrony Bank
9 Month IRA CD (Traditional, Roth)
0.35%$2k-
Pawtucket Credit Union
8 Month IRA (Traditional, Roth, CESA)
0.35%$1k-
Matadors Community Credit Union
6 Month IRA (Traditional, Roth)
0.35%$1k-
Bellco Credit Union
6 Month IRA (Traditional, Roth, CESA)
0.35%$500-
People's Trust FCU
9 Month IRA (Traditional, Roth, CESA, SEP)
0.31%*$1k-
Wings Financial Credit Union
6 Month IRA (Traditional, Roth, CESA)
0.30%*$500-
Zeal Credit Union
9 Month IRA (Traditional, Roth, CESA, SEP)
0.30%*$500-
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-
Greenwood Credit Union
6 Month IRA Certificate (Traditional, Roth, CESA, SEP)
0.30%$1k-
Fort Bragg FCU
6 Month IRA Term Share Certificate (Traditional, Roth, CESA)
0.30%$500-
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-
Ally Bank
9 Month IRA High Yield CD (Traditional, Roth, SEP)
0.30%--
Garden Savings FCU
9 Month IRA Share Certificate (Traditional, Roth, CESA)
0.30%$500-
Michigan State University FCU
6 Month IRA (Traditional, Roth, CESA, SEP)
0.30%$500-
Chartway FCU
6-11 Month IRA (Traditional, Roth)
0.30%--
Workers Credit Union
6 Month IRA (Traditional, Roth)
0.25%*$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-
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-
Wheelhouse Credit Union
6 Month IRA Certificate (Traditional, Roth)
0.25%$500-
Quorum FCU
6 Month IRA Term Savings (Traditional, Roth)
0.25%$1k-
Affinity FCU
9 Month IRA Certificate (Traditional, Roth, CESA)
0.25%$500-
North American Savings Bank
7 Month IRA
0.25%$1k-
Susquehanna Community Bank
182 Day IRA (Traditional, Roth, CESA)
0.25%$500$100k
Financial Partners Credit Union
6 to 11 Month IRA (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
MTC FCU
6 Month IRA (Traditional, Roth, CESA)
0.25%$250-
One American Bank
6 Month IRA (Traditional, Roth)
0.25%$500-
Ideal Credit Union
6 Month IRA (Traditional, Roth)
0.20%*$500-
NuVision FCU
6 Month IRA (Traditional, Roth, CESA)
0.20%*$1k-
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-
Elements Financial
6 Month IRA (Traditional, Roth, CESA)
0.20%$1k-
Mountain America Credit Union
6 Month IRA (Traditional, Roth)
0.20%$500-
Parda FCU
6 Month IRA (Traditional, Roth)
0.20%$500-
American Bank
9 Month IRA (Traditional, Roth, CESA)
0.20%$250-
Achieva Credit Union
6 Month IRA/457B (Traditional, Roth, CESA)
0.20%$500-
People's Credit Union
9 Month IRA (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-
Zions Bank
9 Month IRA CD (Traditional, Roth)
0.18%*$1k-
United States Senate FCU
3-5 Month IRA (Traditional, Roth, SEP)
0.15%*$1k-
Blue FCU
6 Month IRA (Traditional, Roth)
0.15%*$1k-
Capital Educators FCU
6 Month IRA Certificate
0.15%*$500-
Hyperion Bank
9 Month IRA (Traditional, Roth)
0.15%$500-
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-
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-
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-
bankESB
9 Month IRA (Traditional, Roth)
0.15%$1k-
Western Vista FCU
6 Month IRA CD (Traditional, Roth)
0.13%$500$10k
1st Source Bank
8 Month IRA Special (Traditional, Roth, CESA)
0.13%$500-
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-
nbkc bank
6 Month IRA CD (Traditional, Roth)
0.10%$1k-
Country Bank (MA)
9 Month IRA (Traditional, Roth, SEP)
0.10%$500-
Customers Bank
9 Month IRA
0.10%$500-
American 1 Credit Union
180 Day IRA (Traditional, Roth, CESA)
0.10%$50-
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-

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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