4 Year IRA Rates
Compare rates on 4 year IRAs from banks and credit unions. Use the filter box below to customize your results. You can sort by each column below or select another product to compare rates.
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| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Andrews Federal Credit Union | 1.71% | $1k | - | $704 | 48 Month IRA Certificate | |
| Melrose Credit Union | 1.61% | $4k | - | $660 | 4 Year Share Roth IRA Certificate | |
| Digital Credit Union | 1.60% | $500 | - | $657 | 48 - 59 Month IRA Certificate - Relationship Rate | |
| State Department Federal Credit Union | 1.56% | $500 | - | $641 | 48 Month IRA Certificate | |
| Alliant Credit Union | 1.55% | $1k | - | $636 | 48 - 60 Month Traditional IRA | |
| EverBank | 1.51% | $1,500 | - | $618 | 4 Year Yield Pledge IRA | |
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| Virginia Heritage Bank | 1.45% | $500 | - | $594 | 48 Month IRA | |
| Nationwide Bank | 1.41%* | $500 | - | $578 | 48 Month Roth IRA | |
| Justice Federal Credit Union | 1.40%* | $500 | - | $573 | 48 Month IRA Certificate w/ JNA Relationship | |
| GE Capital Retail Bank | 1.40%* | $2k | - | $573 | 48 Month IRA | |
| Argent Credit Union | 1.36% | $500 | - | $557 | 48 Month IRA Certificate | |
| Dupont Community Credit Union | 1.36% | $1k | - | $555 | 4 Year IRA | |
| Logix Federal Credit Union | 1.35% | $1k | - | $553 | 48 Month IRA w/ Platinum Relationship Rewards | |
| Intervest National Bank | 1.34% | $1k | - | $547 | 4 Year Roth IRA | |
| Bank of Botetourt | 1.31% | $100 | - | $534 | 4 Year IRA | |
| Belvoir Federal Credit Union | 1.31% | $1k | - | $536 | 48 Month IRA Share Certificate | |
| Ally Bank | 1.30% | - | - | $530 | IRA Raise Your Rate 4-Year CD | |
| Discover Bank | 1.30% | $2,500 | - | $530 | 4 Year IRA | |
| Pen Air Credit Union | 1.30% | $500 | - | $532 | 48 Month IRA | |
| Astera Credit Union | 1.30% | $500 | - | $530 | 4 Year IRA | |
| Member One Credit Union | 1.30% | $1k | - | $530 | 4 Year IRA | |
| First Savings Bank Northwest | 1.28%* | $5k | - | $523 | 48 Month IRA | |
| Millennium Bank, National Association | 1.28% | $1k | - | $522 | 4 Year IRA | |
| Northrop Grumman Federal Credit Union | 1.26% | $2k | - | $514 | 4 Year Term Roth IRA | |
| Northwest Federal Credit Union | 1.26%* | $2,500 | - | $514 | 4 Year Roth IRA Certificate | |
| John Marshall Bank | 1.26% | $500 | - | $514 | 4 Year IRA | |
| Commonwealth One Credit Union | 1.26% | $1k | - | $515 | 48 Month IRA Certificate | |
| Self-Help Credit Union | 1.26% | - | - | $515 | 48 Month IRA | |
| Marine Federal Credit Union | 1.26% | $500 | - | $515 | 48 Month Traditional IRA | |
| First Internet Bank of IN | 1.25% | - | - | $511 | 48 Month IRA | |
| Geauga Savings Bank | 1.25% | - | - | $511 | 48 Month Roth IRA | |
| Hudson City Savings Bank | 1.25%† | $500 | - | $509 | 4 Year IRA | |
| The Business Bank | 1.25% | - | $100k | $511 | 48 Month IRA | |
| Mcgraw Hill Credit Union | 1.25% | $10k | - | $511 | 48 Month IRA | |
| The Richmond Postal Credit Union In | 1.25% | $500 | - | $511 | 48 Month IRA | |
| Virginia Partners Bank | 1.25% | $1k | - | $511 | 48 Month IRA | |
| Appalachian Community Credit Union | 1.21% | $1k | - | $494 | 48 Month IRA Certificate | |
| United Southeast Credit Union | 1.20% | $500 | - | $490 | 48 Month IRA | |
| Xceed Financial Credit Union | 1.20% | $500 | - | $490 | 48 Month IRA | |
| Urban Trust Bank | 1.20% | $500 | $100k | $490 | 48 Month IRA | |
| Fairfax County Credit Union | 1.16% | $2,500 | - | $473 | 48 Month IRA Certificate | |
| Bank of Georgetown | 1.15% | $1k | - | $468 | 4 Year IRA | |
| Stillwater National Bank | 1.15%† | $10k | - | $469 | 48 Month IRA | |
| OneUnited Bank | 1.15% | $1k | - | $468 | UNITY 4 Year IRA CD | |
| Lake Michigan Credit Union | 1.15% | $500 | - | $469 | 48 Month VIP IRA CD | |
| North American Savings Bank | 1.14% | $10k | - | $465 | 48 - 59 Month IRA with Checking | |
| National Bank of Kansas City | 1.10% | - | - | $449 | 48 - 59 Month Roth IRA | |
| Easthampton Savings Bank | 1.10% | $500 | - | $449 | 48 Month IRA | |
| Communitywide Credit Union | 1.10% | $2k | - | $449 | 48 Month IRA Share Certificate | |
| Salem Va Medical Center Credit Union | 1.10% | $1k | - | $449 | 48 Month IRA | |
| Capital Educators Federal Credit Union | 1.10%* | $10k | - | $449 | 48 - 59 Month Roth IRA Certificate | |
| Apple Federal Credit Union | 1.10% | $500 | - | $449 | 48 Month Roth IRA Certificate | |
| Pentagon Federal Credit Union | 1.10% | $25 | - | $447 | 4 Year Roth IRA | |
| Cardinal Bank | 1.05% | $1k | - | $427 | 4 Year IRA | |
| OneWest Bank | 1.05% | $1k | - | $427 | 4 Year Roth IRA | |
| Virginia Community Bank | 1.05% | - | - | $428 | 48 Month IRA | |
| United Central Bank | 1.05% | $1k | - | $427 | 48 Month IRA | |
| Truliant Credit Union | 1.01%* | $5k | - | $411 | 48 Month IRA Certificate | |
| NARFE Premier Federal Credit Union | 1.00% | $1k | - | $406 | 4 Year Roth IRA Step Up Certificate | |
| Salem Five | 1.00% | $500 | - | $355 | 42 - 59 Month IRA | |
| Third Federal | 1.00%† | $100 | - | $407 | 48 Month Roth IRA | |
| Arlington Community Credit Union | 1.00% | $500 | - | $407 | 48 Month Platinum IRA | |
| Franklin Federal Savings Bank | 1.00% | $500 | - | $406 | 4 Year IRA Certificate | |
| University Of Va Community Credit Union | 1.00% | $500 | - | $406 | 4 Year IRA | |
| Fulton Bank, National Association | 1.00%† | $500 | - | $407 | 48 Month Relationship IRA | |
| Pinnacle Federal Credit Union | 1.00% | $500 | - | $407 | 48 Month IRA | |
| First National Bank of Altavista | 1.00% | $100 | - | $406 | IRA 4 Year Fixed | |
| First Trade Union Bank | 1.00% | $500 | - | $406 | 4 Year IRA | |
| USAA Bank | 0.95% | $250 | $95k | $385 | 4 Year IRA - Standard | |
| Martinsville Dupont Emp Credit Union | 0.95% | $2,500 | - | $385 | 4 Year IRA | |
| Chartway Federal Credit Union | 0.95% | $10k | - | $385 | 48 Month IRA | |
| Patriot Bank | 0.95% | $1k | - | $387 | 48 Month IRA | |
| Money One Federal Credit Union | 0.91% | - | - | $369 | 4 Year IRA Savings Certificate | |
| First National Community Bank (PA) | 0.90% | $1k | - | $365 | 4 Year Roth IRA | |
| ViewPoint Bank, National Association | 0.90% | $1k | - | $366 | 48 Month SEP IRA | |
| Bayport Credit Union | 0.90% | $1k | - | $365 | 4 Year Premier IRA | |
| New Peoples Bank, Inc. | 0.90% | $500 | - | $366 | 48 Month IRA | |
| Credit Union Of New Jersey | 0.90%* | $500 | - | $365 | 4 Year IRA Certificate | |
| Chain Bridge Bank, National Association | 0.90% | $500 | - | $366 | 48 - 59 Month IRA | |
| Armed Forces Bank, National Association | 0.90% | $500 | - | $366 | 48 Month IRA | |
| Highlands Union Bank | 0.90% | $500 | - | $366 | 48 Month IRA | |
| Peoples Advantage Credit Union | 0.90% | $1k | - | $366 | 48 Month IRA | |
| Virginia Commerce Bank | 0.90% | $100 | - | $365 | 4 Year IRA | |
| Virginia Credit Union, Inc., | 0.90%* | $100 | - | $365 | 48 Month IRA | |
| Farmers & Merchants Bank | 0.90% | $1k | - | $366 | 48 Month IRA | |
| Central Virginia Bank | 0.90% | $500 | - | $319 | 42 Month IRA | |
| Sandy Spring Bank | 0.90% | $1k | - | $366 | 48 - 59 Month IRA | |
| North Country Savings Bank | 0.90% | $500 | - | $365 | 4 Year IRA | |
| South Division Credit Union | 0.90% | $500 | - | $365 | 4 Year IRA | |
| Citizens Bank (TN) | 0.90% | $1k | - | $366 | 48 Month IRA | |
| INOVA Federal Credit Union | 0.90% | $200 | - | $365 | 4 Year IRA | |
| State Farm Bank | 0.87%*† | - | - | $354 | 48 Month Roth IRA | |
| Patelco Credit Union | 0.85% | $500 | - | $345 | 48 - 59 Month Roth IRA | |
| Univest Bank and Trust Co. | 0.85% | $500 | - | $345 | 48 Month IRA | |
| Freedom First Credit Union | 0.85% | $500 | - | $345 | 48 Month IRA | |
| First Security Bank & Trust | 0.85% | $2,500 | - | $345 | 48 - 59 Month IRA | |
| Benchmark Community Bank | 0.85% | $500 | - | $344 | 4 Year Premium Roth IRA | |
| Principal Bank | 0.85% | $2,500 | - | $345 | 48 Month IRA | |
| Bank of Blue Valley | 0.85% | - | - | $345 | 48 - 59 Months Roth IRA | |
| Access National Bank | 0.80% | $10k | - | $324 | 4 Year IRA | |
| First Sentinel Bank | 0.80% | - | - | $325 | 48 Month IRA | |
| The Bank of Southside Virginia | 0.80% | $1k | - | $324 | 4 Year IRA | |
| Front Royal Credit Union | 0.80% | $500 | - | $324 | 4 Year IRA Certificate | |
| The Capon Valley Bank | 0.80% | $500 | - | $325 | 48 Month IRA - Quarterly | |
| UmbrellaBank.com | 0.76% | $1k | - | $307 | 4 Year IRA | |
| University Federal Credit Union | 0.75% | $1k | - | $304 | 48 Month Regular Roth IRA | |
| First Shore Federal Savings and Loan Association | 0.75% | $500 | - | $304 | 48-59 Month IRA | |
| Randolph Bank & Trust Company | 0.75%* | $10k | - | $304 | 48 Month Fixed Rate IRA | |
| Newtown Savings Bank | 0.75% | - | - | $303 | 4 Year Roth IRA | |
| Bank @LANTEC | 0.75% | $500 | - | $304 | 48 Month Roth IRA | |
| Partners 1St Credit Union | 0.75% | $500 | - | $304 | 48 Month IRA | |
| Zions Bank | 0.75% | $1k | - | $303 | 4 Year Internet IRA CD | |
| 1St Advantage Credit Union | 0.71% | $500 | - | $288 | 48 Month IRA | |
| First Bank (VA) | 0.71% | $500 | - | $288 | 48 Month IRA | |
| Baylands Credit Union | 0.70% | $500 | - | $284 | 48 Month IRA Certificate | |
| Union First Market Bank | 0.70% | $1k | $100k | $283 | 4 Year Preferred IRA | |
| Capital One 360 | 0.70% | - | - | $284 | 48 Month IRA | |
| EVB Bank | 0.70% | $500 | - | $283 | 4 Year IRA | |
| Consumers Credit Union (IL) | 0.70% | $250 | - | $283 | 4 Year IRA | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $283 | 4 Year IRA | |
| Community Bank of Raymore | 0.70% | $500 | - | $283 | 4 Year IRA | |
| InTouch Credit Union | 0.65% | $1k | $95k | $263 | 48 Month IRA | |
| KeyBank | 0.65%*† | $10k | $100k | $263 | 48 Month Tiered IRA - Relationship | |
| Union Bank of California | 0.65%† | $350 | - | $263 | 48 - 59 Month Roth IRA Time Deposit | |
| PNC Bank, National Association | 0.60%*† | $10k | - | $243 | 48 Month IRA | |
| America's Credit Union | 0.55%* | $500 | $100k | $222 | 48 Month Roth IRA Certificate Account | |
| 20Th Century Fox Credit Union | 0.50% | $2,500 | - | $202 | 4 Year IRA Certificate | |
| NewDominion Bank | 0.50% | $500 | - | $202 | 48 Month Roth IRA | |
| Blue Ridge Bank | 0.50% | $1k | - | $202 | 48 Months Roth IRA | |
| Regions Bank | 0.50%† | $250 | - | $202 | 48 - 57 Month IRA | |
| Woodforest National Bank | 0.50%† | $500 | - | $202 | 4 Year IRA | |
| Chase Manhattan Bank | 0.45%*† | $10k | - | $159 | 42-47 Month IRA Special - Relationship | |
| H&R Block Bank | 0.40% | $250 | - | $161 | 48 Month Roth IRA | |
| Sandia Laboratory Credit Union | 0.40%* | $1k | - | $161 | 48 Month Variable IRA | |
| Acacia Federal Savings Bank | 0.40% | $100 | - | $161 | 48 Month Roth IRA | |
| iGObanking | 0.35% | $1k | - | $141 | 48 Month iGOIRA | |
| Wells Fargo Bank | 0.35%† | - | - | $141 | 48 - 59 Month IRA | |
| Comerica Bank | 0.35%† | $1k | - | $141 | 4 Year IRA | |
| Citibank | 0.35%† | $1k | - | $141 | 4 Year IRA | |
| Bank of America | 0.30%† | $1k | - | $121 | 48 - 59 Month IRA - Platinum Rate | |
| BankDirect | 0.25% | $1k | - | $101 | 48 Month Roth IRA CD | |
| Guardian Credit Union | 0.04% | $500 | - | $16.05 | 48 Month IRA Share Certificate | |
Nationwide CDs
Resources
Average 4 Year IRA Rate Trend
Featured Accounts
CIT Bank
3-year Term IRA CD
1.21% APY
3-year Term IRA CD
1.21% APY
* All banks listed are a Member FDIC.