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Sustaining exotic quantum mechanical phases at high temperatures is a long-standing goal of condensed matter physics. Among them, half-metals are spin-polarized conductors that are essential for realizing room-temperature spin current sources. However, typical half-metals are low-temperature phases whose spin polarization rapidly deteriorates with temperature increase. Here, we first show that a low-temperature insulator with an unequal charge gap for the two spin channels can arise from competing Mott and band insulating tendencies. We establish that thermal fluctuations can drive this insulator to a half-metal through a first-order phase transition by closing the charge gap for one spin channel. This half-metal has 100% spin polarization at the onset temperature of metallization. Further, varying the strength of electron repulsion can enhance the onset temperature while preserving spin polarization. We outline experimental scenarios for realizing this tunable finite temperature half-metal. Maintaining full spin polarization in half-metallic materials with temperature increase has remained a longstanding challenge for engineering room-temperature spintronics applications. Here, the authors theoretically propose a way to achieve half-metallicity with complete spin polarization at high temperatures by tuning thermal fluctuations, electron correlation, and charge transfer effects in a low-temperature Mott insulator. [ABSTRACT FROM AUTHOR]