Featured 1-Year CD Rates
Featured Accounts

4 Year IRA Rates

Compare rates on 4 year IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 4-year IRA CDs and how they can be a beneficial tool in your retirement strategy.

Deposit Amount
$1 $100,000
Advanced options

Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

131 Results

Nationwide Only
Melrose Credit Union4 Year Share IRA Certificate (Traditional, Roth, CESA)20 Reviews
KEMBA Financial Credit Union48 Month KEMBA Advantage IRA Certificate (Traditional, Roth, CESA)6 Reviews
Credit Union of America50 Month Double Bump Special IRA Certificate (Traditional, Roth, CESA)
NASA FCU49 Months IRA Certificate Special (Traditional, Roth)21 Reviews
Home Savings Bank48 Month Internet Only IRA
Bay State Savings Bank48 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
Bethpage FCU48 Month IRA (Traditional, Roth, SEP, SIMPLE)5 Reviews
First Internet Bank of IN48 Month IRA (Traditional, Roth, CESA)6 Reviews
GTE Financial48 Month IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
Synchrony Bank48 Month IRA CD (Traditional, Roth)147 Reviews
United States Senate FCU48-60 Month IRA (Traditional, Roth, SEP)1 Review
State Department FCU48 Month IRA Certificate (Traditional, Roth)4 Reviews
Self-Help FCU48 Month IRA
Blue FCU48 Month IRA - Sapphire (Traditional, Roth)6 Reviews
Navy FCU4 Year IRA (Traditional, Roth, SEP)121 Reviews
Grow Financial FCU48 - 59 Month IRA Certificate12 Reviews
EverBank4 Year Yield Pledge IRA (Traditional, Roth)22 Reviews
Langley FCU48 Month IRA (Traditional, Roth)
Andrews FCU48 Month Jumbo IRA Certificate (Traditional, Roth, CESA)24 Reviews
Wings Financial Credit Union4 Year Dividend Paid Quarterly IRA Certificate (Traditional, Roth, CESA)30 Reviews
Affinity Plus FCU48 Month IRA (Traditional, Roth)5 Reviews
Mountain America Credit Union48 Month IRA (Traditional, Roth)15 Reviews
AgFed Credit Union48 Month IRA Certificate (Traditional, Roth, CESA)
Salem Five48 Month IRA Special7 Reviews
Evansville Teachers FCU4 Year IRA (Traditional, Roth, CESA)1 Review
Chevron FCU4-Year IRA (Traditional, Roth)4 Reviews
First Flight FCU48 Month IRA Certificate
Northwest FCU4 Year IRA Certificate (Traditional, Roth, CESA, SEP)13 Reviews
Chartway FCU48-59 Month IRA (Traditional, Roth, CESA)20 Reviews
Xcel FCU48 Month CESA7 Reviews
State Farm Bank48 Month IRA (Traditional, Roth)28 Reviews
Alliant Credit Union48 Month Jumbo Roth IRA37 Reviews
People's Trust FCU48 Months IRA (Traditional, Roth, CESA, SEP)1 Review
Credit Union Of The Rockies50 Month Promotional IRA
Xceed Financial FCU48 Month IRA (Traditional, Roth, CESA)14 Reviews
5Star Bank4 Year IRA Special2 Reviews
Signal Financial FCU48 Month IRA Share Certificate (Traditional, Roth)

Displaying 1-40 of 131 Results

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.

The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.