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4 Year IRA Rates

Compare rates on 4 year IRAs from banks and credit unions. Use the filter box below to customize your results.

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Deposit Amount | $1 $100,000
Currently Including:
87
RESULTS

Results

NASA Federal Credit Union49 Month IRA Certificate Special (Traditional,Roth,CESA,SEP)2 Reviews2.25%$5k-$2,384
DETAILS
Alliant Credit Union48 - 60 Month Roth IRA13 Reviews2.10%$1k-$2,150
DETAILS
Melrose Credit Union4 Year Share IRA Certificate (Traditional,Roth,CESA)15 Reviews2.02%$4k-$2,082
DETAILS
Nationwide Bank48 Month IRA (Traditional,Roth)9 Reviews1.85%$500-$1,907
DETAILS
EverBank4 Year Yield Pledge IRA (Traditional,Roth)13 Reviews1.85%$1,500-$1,902
DETAILS
CIT Bank4 Year IRA (Traditional,Roth)46 Reviews1.80%$1k-$1,849
DETAILS
State Farm Bank48 Month IRA (Traditional,Roth)16 Reviews1.75%--$1,802
DETAILS
Synchrony Bank48 Month IRA CD (Traditional,Roth)12 Reviews1.75%$25k-$1,802
DETAILS
Discover Bank4 Year IRA (Traditional,Roth)29 Reviews1.65%$2,500-$1,691
DETAILS
Digital Credit Union48 - 59 Month IRA Certificate - Relationship Rate (Traditional,Roth,SEP,SIMPLE)8 Reviews1.60%$500-$1,626
DETAILS
Andrews Federal Credit Union48 Month IRA Certificate (Traditional,Roth,CESA)9 Reviews1.56%$1k-$1,601
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Patriot Bank48 Month IRA4 Reviews1.55%$1k-$1,591
DETAILS
Lake Michigan Credit Union48 Month VIP IRA CD36 Reviews1.55%$500-$1,591
DETAILS
Northrop Grumman Federal Credit Union4 Year Term IRA (Traditional,Roth,CESA)1.54%$2k-$1,576
DETAILS
Northern Bank & Trust Company48 Month IRA (Traditional,Roth,CESA,SEP)1.50%$500-$1,538
DETAILS
First Savings Bank Northwest48 Month IRA1.50%$25k-$1,538
DETAILS
Communitywide Credit Union48 Month IRA Share Certificate1.50%$2k-$1,538
DETAILS
Belvoir Federal Credit Union48 Month IRA Share Certificate1 Review1.45%$1k-$1,486
DETAILS
Astera Credit Union4 Year IRA (Traditional,Roth,CESA)2 Reviews1.45%$500-$1,482
DETAILS
Franklin Federal Savings Bank4 Year IRA Certificate (Traditional,Roth)1.41%$500-$1,440
DETAILS
First Internet Bank of IN48 Month IRA (Traditional,Roth,CESA)1 Review1.40%--$1,434
DETAILS
Pen Air Credit Union48 Month IRA (Traditional,Roth,SEP,CESA)2 Reviews1.40%$500-$1,434
DETAILS
Triumph Savings Bank, SSB48 Month IRA (Traditional,Roth)1.40%$1k-$1,434
DETAILS
Consumers Credit Union (IL)4 Year IRA (Traditional,Roth,CESA,SEP)31 Reviews1.40%$250-$1,430
DETAILS
Capital Educators Federal Credit Union48 Month IRA Certificate (Traditional,Roth,CESA,SEP)1.36%$10k-$1,392
DETAILS
Northwest Federal Credit Union4 Year IRA Certificate (Traditional,Roth,CESA,SEP)9 Reviews1.31%$25k-$1,336
DETAILS
Geauga Savings Bank48 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)1 Review1.30%--$1,329
DETAILS
Ally BankIRA Raise Your Rate 4-Year CD (Traditional,Roth,SEP)124 Reviews1.30%--$1,326
DETAILS
Self-Help Credit Union48 Month IRA (Traditional,Roth,CESA)3 Reviews1.26%--$1,288
DETAILS
McGraw Hill Credit Union48 Month IRA (Traditional,Roth,CESA)1.25%$10k-$1,277
DETAILS
Security Bank (OK)48 Month IRA (Traditional,Roth)1.25%$2k-$1,277
DETAILS
Apple Federal Credit Union48 Month IRA Certificate (Traditional,Roth,CESA)17 Reviews1.25%$500-$1,277
DETAILS
SunTrust Bank48 Month Banker Special Promotional IRA (Traditional,Roth,SEP,SIMPLE)29 Reviews1.25%$2k-$1,277
DETAILS
Hudson City Savings Bank4 Year IRA (Traditional,Roth,SEP,CESA,SIMPLE)13 Reviews1.25%$500-$1,274
DETAILS
OneWest Bank N.A. (Pasadena, CA)4 Year IRA (Traditional,Roth,SEP)16 Reviews1.25%$1k-$1,274
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Intervest National Bank4 Year IRA CD (Traditional,Roth,CESA)3 Reviews1.25%$1k-$1,274
DETAILS
Justice Federal Credit Union48 Month IRA Certificate w/ JNA Relationship (Traditional,Roth)4 Reviews1.20%$500-$1,225
DETAILS
OneUnited BankUNITY 4 Year IRA CD1 Review1.20%$1k-$1,222
DETAILS
National Bank of Kansas City48 - 59 Month IRA (Traditional,Roth)1.20%--$1,212
DETAILS
Patelco Credit Union48 - 59 Month IRA (Traditional,Roth,CESA)5 Reviews1.16%$500-$1,171
DETAILS

Displaying 1-40 of 87 Results



4 Year IRA Rate Trend

4-Year IRA CD

The 4-Year IRA CD is a long term CD that provides a conservative means to grow savings with tax advantages. The CD and IRA financial products are joined together to create what some would regard as the best of both worlds. By attaching a fixed time horizon to an IRA and giving tax benefits to a CD, flexibility is an attractive reason to open a 4-Year IRA CD. Because withdrawals from the account before maturity are subject to taxes and early withdrawal penalties, the set ending time can be very helpful in saving for specific events or purchases.

IRA CDs are offered in various categories. If you open a 4-year Traditional IRA CD, you will be forced to take minimum distributions at the age of 70½. These distributions will not be taxed and some banks or credit unions will also waive the early withdrawal penalty (you need to check on this though!). Also, if you are not yet 59½, any funds you remove from an IRA CD early should be transferred into another IRA, or else you will pay a 10 percent tax penalty to the IRS. In a Roth IRA 4-Year CD, however, you can withdrawal funds tax-free because your CD was funded with post-tax dollars.

With regard to opening multiple IRA CDs, your brokerage firm (if you have one) may be helpful, as it is able to work more efficiently with several financial institutions and prevent you from having to go through the opening process at each bank or credit union. This could be a helpful tool for the IRA CD component of your retirement planning.