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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:
166
RESULTS

Results

NASA Federal Credit Union49 Month IRA Certificate Special (Traditional,Roth,CESA,SEP)2 Reviews2.25%$5k-$2,384
DETAILS
Melrose Credit Union4 Year Share IRA Certificate (Traditional,Roth,CESA)15 Reviews2.02%$4k-$2,082
DETAILS
Columbia Bank (NJ)48 Month IRA (Traditional,Roth,CESA)4 Reviews1.90%$500-$1,960
DETAILS
Nationwide Bank48 Month IRA (Traditional,Roth)9 Reviews1.79%$500-$1,844
DETAILS
EverBank4 Year Yield Pledge IRA (Traditional,Roth)13 Reviews1.79%$1,500-$1,839
DETAILS
Bogota Savings Bank4 Year IRA1.76%$500-$1,807
DETAILS
State Farm Bank48 Month IRA (Traditional,Roth)14 Reviews1.75%--$1,802
DETAILS
Crest Savings Bank48 Month IRA (Traditional,Roth)1.75%$500-$1,802
DETAILS
Synchrony Bank48 Month IRA CD (Traditional,Roth)12 Reviews1.75%$25k-$1,802
DETAILS
Oritani Bank4 Year IRA (Traditional,Roth,CESA)1.75%$1k-$1,796
DETAILS
RSI BANK49 Month IRA1.70%$250-$1,786
DETAILS
CIT Bank4 Year IRA (Traditional,Roth)47 Reviews1.65%$1k-$1,691
DETAILS
Kearny Federal Savings Bank4 Year StarBanking Plus IRA (Traditional,CESA,Roth)1.65%$500-$1,691
DETAILS
Freedom Bank (NJ)48-59 Month IRA (Traditional,Roth,SEP)1.65%$500-$1,678
DETAILS
Discover Bank4 Year IRA (Traditional,Roth)27 Reviews1.60%$2,500-$1,639
DETAILS
Cape Bank4 Year IRA (Traditional,Roth,CESA)1.60%--$1,639
DETAILS
Valley National Bank4 Year IRA (Traditional,Roth,CESA)11 Reviews1.60%$250-$1,639
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
DETAILS
Lincoln Park Savings Bank4 Year IRA (Traditional,Roth,CESA)1.56%$500-$1,597
DETAILS
Patriot Bank48 Month IRA4 Reviews1.55%$1k-$1,591
DETAILS
Lake Michigan Credit Union48 Month VIP IRA CD35 Reviews1.55%$500-$1,591
DETAILS
Northrop Grumman Federal Credit Union4 Year Term IRA (Traditional,Roth,CESA)1.55%$2k-$1,586
DETAILS
Alliant Credit Union48 - 60 Month Roth IRA13 Reviews1.55%$1k-$1,574
DETAILS
Franklin Bank (NJ)48 Month IRA CD (Traditional,Roth,CESA)1.51%$1k-$1,549
DETAILS
South Jersey Federal Credit Union4 Year IRA (Traditional,Roth,CESA)2 Reviews1.51%$1k-$1,545
DETAILS
Garden Savings Federal Credit Union4 Year IRA Share Certificate (Traditional,Roth,CESA)1.51%$500-$1,545
DETAILS
Clifton Savings Bank50 Month IRA (Traditional,Roth,CESA)1 Review1.50%$500-$1,605
DETAILS
Ponce De Leon Federal Bank48 Month IRA (Traditional,Roth,CESA)1.50%$500-$1,538
DETAILS
Indus American Bank48 Month IRA8 Reviews1.50%$2k-$1,538
DETAILS
Ocean City Home Bank48 Month IRA (Traditional,Roth,SEP,SIMPLE)1 Review1.50%--$1,538
DETAILS
Northern Bank & Trust Company48 Month IRA (Traditional,Roth,CESA,SEP)1.50%$500-$1,538
DETAILS
Communitywide Credit Union48 Month IRA Share Certificate1.50%$2k-$1,538
DETAILS
Royal Bank America4 Year IRA1.50%$1k-$1,534
DETAILS
Peapack-Gladstone Bank45 Month IRA (New Money only)1 Review1.50%$500-$1,439
DETAILS
Belvoir Federal Credit Union48 Month IRA Share Certificate1 Review1.45%$1k-$1,486
DETAILS
Grand Bank, N.A.48 Month IRA (Traditional,Roth)1.41%$1k-$1,444
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
First Savings Bank Northwest48 Month IRA1.40%$25k-$1,434
DETAILS

Displaying 1-40 of 166 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.