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

130 Results


Nationwide Only
Melrose Credit Union4 Year Share IRA Certificate (Traditional, Roth, CESA)18 Reviews
2.07%
$4k-$2,135
Credit Union of America50 Month Double Bump Special IRA Certificate (Traditional, Roth, CESA)
2.00%
$5k-$2,156
NASA FCU49 Months IRA Certificate Special (Traditional, Roth)21 Reviews
2.00%
$5k-$2,111
Bay State Savings Bank48 Month IRA (Traditional, Roth, CESA, SEP, SIMPLE)2 Reviews
2.00%
$500-$2,067
GTE Financial48 Month IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
1.96%
$500-$2,024
1.90%
$2k-$1,960
United States Senate FCU48-60 Month IRA (Traditional, Roth, SEP)1 Review
1.90%*
$20k$100k$1,940
State Department FCU48 Month IRA Certificate (Traditional, Roth)4 Reviews
1.86%
$500-$1,918
KEMBA Financial Credit Union48 Month KEMBA Advantage IRA Certificate (Traditional, Roth, CESA)6 Reviews
1.85%
$250-$1,907
First Internet Bank of IN48 Month IRA (Traditional, Roth, CESA)6 Reviews
1.81%
--$1,865
Self-Help FCU48 Month IRA
1.81%
$100-$1,865
1.81%
$500-$1,865
EverBank4 Year Yield Pledge IRA (Traditional, Roth)23 Reviews
1.81%
$5k-$1,860
Blue FCU48 Month IRA - Sapphire (Traditional, Roth)6 Reviews
1.80%
$2k-$1,854
Navy FCU4 Year IRA (Traditional, Roth, SEP)119 Reviews
1.80%*
$20k-$1,849
Grow Financial FCU48 - 59 Month IRA Certificate12 Reviews
1.80%
$500-$1,835
Langley FCU48 Month IRA (Traditional, Roth)
1.76%
$500-$1,812
Andrews FCU48 Month Jumbo IRA Certificate (Traditional, Roth, CESA)22 Reviews
1.76%
$10k-$1,812
Wings Financial Credit Union4 Year Dividend Paid Quarterly IRA Certificate (Traditional, Roth, CESA)30 Reviews
1.76%*
$10k-$1,807
Affinity Plus FCU48 Month IRA (Traditional, Roth)4 Reviews
1.75%
$500-$1,802
Mountain America Credit Union48 Month IRA (Traditional, Roth)14 Reviews
1.75%
$500-$1,802
Synchrony Bank48 Month IRA CD (Traditional, Roth)140 Reviews
1.75%*
$25k-$1,802
Evansville Teachers FCU4 Year IRA (Traditional, Roth, CESA)1 Review
1.75%
$1k-$1,796
Chevron FCU4-Year IRA (Traditional, Roth)3 Reviews
1.75%
$500-$1,796
First Flight FCU48 Month IRA Certificate
1.71%*
$10k-$1,759
A+ FCU48 Month IRA w/ 5000 PlusPoints (Traditional, Roth, CESA)1 Review
1.71%
$500-$1,759
1.71%
$1k-$1,754
Northwest FCU4 Year IRA Certificate (Traditional, Roth, CESA, SEP)13 Reviews
1.71%*
$1k-$1,754
Xcel FCU48 Month CESA7 Reviews
1.70%
$5k-$1,749
State Farm Bank48 Month IRA (Traditional, Roth)28 Reviews
1.70%*
$500-$1,749
AgFed Credit Union48 Month IRA Certificate (Traditional, Roth, CESA)
1.70%
$1k-$1,749
Alliant Credit Union48 Month Jumbo Roth IRA36 Reviews
1.70%
$25k-$1,749
People's Trust FCU48 Months IRA (Traditional, Roth, CESA, SEP)1 Review
1.67%*
$25k-$1,717
Xceed Financial FCU48 Month IRA (Traditional, Roth, CESA)14 Reviews
1.65%
$500-$1,696
5Star Bank4 Year IRA Special2 Reviews
1.65%
$1k$250k$1,691
Signal Financial FCU48 Month IRA Share Certificate (Traditional, Roth)
1.61%
$2k-$1,654
Garden Savings FCU4 Year IRA Share Certificate (Traditional, Roth, CESA)
1.61%
$500-$1,649
Northrop Grumman FCU4 Year Term IRA (Traditional, Roth, CESA)1 Review
1.61%
$2k-$1,649
Pen Air FCU48 Month IRA (Traditional, Roth, SEP, CESA)7 Reviews
1.60%
$500-$1,643
Premier America Credit Union48 Month IRA (Traditional, Roth, CESA)6 Reviews
1.60%*
$25k-$1,643

Displaying 1-40 of 130 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 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.