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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. Click here to learn more about 4-year IRA CDs and how they can be a beneficial tool in your retirement strategy.

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Deposit Amount
$1 $100,000

93 Results


Nationwide Only
Melrose Credit Union4 Year Share IRA Certificate (Traditional, Roth, CESA)17 Reviews
2.02%
$4k-$2,082
NASA FCU49 Months IRA Certificate Special (Traditional, Roth)18 Reviews
2.00%
$5k-$2,111
Bay State Savings Bank48 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)1 Review
2.00%
$500-$2,067
Self-Help Credit Union48 Months IRA (Traditional, Roth, CESA)5 Reviews
1.81%
$500-$1,865
1.80%
$2k-$1,854
Nationwide Bank48 Month IRA (Traditional, Roth, CESA, SEP)47 Reviews
1.76%*
--$1,812
Mid-Illini Credit Union48 Month IRA Certificate (Traditional, Roth, CESA)1 Review
1.76%
$500-$1,812
Mountain America Credit Union48 Month IRA (Traditional, Roth)10 Reviews
1.75%
$500-$1,802
Salem Five48 Month IRA Special7 Reviews
1.75%
$2k-$1,802
First Internet Bank of IN48 Month IRA (Traditional, Roth, CESA)5 Reviews
1.71%
--$1,759
First Flight FCU48 Month IRA Certificate
1.71%*
$10k-$1,759
Alliant Credit Union48 Month Jumbo Roth IRA30 Reviews
1.70%
$25k-$1,749
Synchrony Bank48 Month IRA CD (Traditional, Roth)88 Reviews
1.65%*
$25k-$1,696
CIT Bank4 Year Term IRA CD (Traditional, Roth)89 Reviews
1.65%
$1k-$1,691
5Star Bank4 Year IRA Special1 Review
1.65%
$1k$250k$1,691
Garden Savings FCU4 Year IRA Share Certificate (Traditional, Roth, CESA)
1.61%
$500-$1,649
AgFed Credit Union48 Month IRA Certificate (Traditional, Roth, CESA)
1.60%
$1k-$1,643
Discover Bank4 Year IRA (Traditional, Roth)80 Reviews
1.60%
$2,500-$1,639
INOVA FCU4 Year IRA (Traditional, Roth, CESA)26 Reviews
1.60%
$200-$1,639
Regions Bank47 Month Promotional IRA (Traditional, Roth, CESA)52 Reviews
1.60%
$4k-$1,608
Andrews FCU48 Month IRA Certificate (Traditional, Roth, CESA)15 Reviews
1.56%
$1k-$1,601
Northwest FCU4 Year IRA Certificate (Traditional, Roth, CESA, SEP)12 Reviews
1.56%*
$1k-$1,597
1.55%
$500-$1,591
Kinecta FCU4 Year IRA (Traditional, Roth)3 Reviews
1.55%
$1k$100k$1,586
EverBank4 Year Yield Pledge IRA (Traditional, Roth)20 Reviews
1.55%
$1,500-$1,586
Xcel FCU48 Month IRA (Traditional, Roth, CESA)5 Reviews
1.50%
$5k-$1,538
Northern Bank & Trust Company48 Month IRA (Traditional, Roth, CESA, SEP)
1.50%
$500-$1,538
Michigan Community Credit Union48- Month IRA Term Share Account (Traditional, Roth, CESA)2 Reviews
1.50%
$1k-$1,538
OneWest Bank N.A. (Pasadena, CA)4 Year IRA (Traditional, Roth, SEP)18 Reviews
1.50%
$1k-$1,534
Northrop Grumman FCU4 Year Term IRA (Traditional, Roth, CESA)1 Review
1.46%
$2k-$1,492
Chartway FCU36-47 Month IRA (Traditional, Roth, CESA)18 Reviews
1.46%*
$25k-$1,481
State Farm Bank48 Month IRA (Traditional, Roth)25 Reviews
1.45%*
--$1,486
1.45%*
$25k-$1,486
Velocity Credit Union4 Year IRA Certificate (Traditional, Roth)3 Reviews
1.41%
$1k-$1,440
Pen Air FCU48 Month IRA (Traditional, Roth, SEP, CESA)6 Reviews
1.40%
$500-$1,434
1.40%*
$1k-$1,434
Consumers Credit Union (IL)4 Year IRA (Traditional, Roth, CESA, SEP)47 Reviews
1.40%
$250-$1,430
Credit Union Of New Jersey4 Years Basic IRA (Traditional, Roth, CESA)1 Review
1.40%*
$500-$1,430
Ally BankIRA Raise Your Rate 4-Year CD (Traditional, Roth, SEP)294 Reviews
1.40%*
$25k-$1,430
Northpointe Bank48 - 59 Month Fixed IRA7 Reviews
1.40%
$5k-$1,419

Displaying 1-40 of 93 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.




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 instututions 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.