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

Nationwide Only
Utah First FCU48 Month IRA (Traditional, Roth, CESA)3 Reviews
3.25%
$500-$3,422
Mountain America Credit Union4 Year IRA (Traditional, Roth)27 Reviews
3.25%
$500-$3,412
State Department FCU48 Month IRA Certificate (Traditional, Roth)7 Reviews
3.24%
$500-$3,411
Connexus Credit Union42 Month IRA Certificate - Renewals Only (Traditional, Roth)37 Reviews
3.20%
$5k-$2,922
Summit Credit Union (WI)42 Month IRA Special (Traditional, Roth, CESA)5 Reviews
3.15%
$500-$2,875
First Internet Bank48 Month IRA (Traditional, Roth)18 Reviews
3.14%
$1k-$3,301
Communitywide FCU48 Month IRA (Traditional, Roth)4 Reviews
3.10%
$2k-$3,257
Georgia Banking Company4 Year IRA Certificate (Traditional, Roth)4 Reviews
3.10%
$500-$3,247
Home Savings Bank48 Month Internet Only IRA (Traditional, Roth)
3.05%
$5k$250k$3,202
AgFed Credit Union48 Month IRA Certificate (Traditional, Roth, CESA)4 Reviews
3.05%
$1k-$3,202
Langley FCU46 Month IRA (Traditional, Roth)2 Reviews
3.04%
$1k-$3,050
Synchrony Bank48 Month IRA CD (Traditional, Roth)301 Reviews
3.00%
$2k-$3,147
Salem Five48 Month IRA Special (Traditional, Roth, CESA, SEP)9 Reviews
3.00%
$2k-$3,147
INOVA FCU4 Year IRA (Traditional, Roth, CESA)31 Reviews
3.00%
$200-$3,138
Service Credit Union4 Year IRA Certificate (Traditional, Roth, CESA)19 Reviews
3.00%
$1k-$3,138
TIAA Bank4 Year Yield Pledge IRA (Traditional, Roth)17 Reviews
3.00%
$5k-$3,138
Financial Resources FCU50 Month IRA Special (Traditional, Roth, CESA)2 Reviews
2.99%
$500-$3,275
ConnectOne Bank48 Month Personal IRA5 Reviews
2.94%
$500-$3,081
GTE Financial48 Month Add-On IRA Special (Traditional, Roth, CESA, SEP)29 Reviews
2.94%
$500-$3,081
Capital One48 Month 360 IRA (Traditional, Roth)398 Reviews
2.90%
--$3,037
Xceed Financial FCU48 Month IRA (Traditional, Roth, CESA)16 Reviews
2.90%
$500-$3,037
Velocity Credit Union4 Year IRA Certificate (Traditional, Roth, SEP)5 Reviews
2.88%
$1k-$3,007
People's Trust FCU48 Month IRA (Traditional, Roth, CESA, SEP)2 Reviews
2.86%*
$25k-$2,994
Market USA FCU48 Month Preferred IRA (Traditional, Roth, CESA)2 Reviews
2.86%
$500-$2,994
Chartway FCU48-59 Month IRA (Traditional, Roth)28 Reviews
2.86%
$500-$2,961
2.85%*
$500-$2,983
Evansville Teachers FCU4 Year IRA (Traditional, Roth, CESA)3 Reviews
2.85%
$1k-$2,974
Northrop Grumman FCU4 Year Term IRA (Traditional, Roth, CESA)3 Reviews
2.85%
$2k-$2,974
Michigan State University FCU4 Year IRA (Traditional, Roth, CESA, SEP)8 Reviews
2.85%
$500-$2,950
A+ FCU48 Month IRA (Traditional, Roth, SEP)3 Reviews
2.84%
$500-$2,972
Interior FCU48 Month IRA Certificate (Traditional, Roth, CESA)
2.83%*
$500-$2,961
KS StateBank4 Year IRA - In Branch Only (Traditional, Roth)4 Reviews
2.83%
$500-$2,952
2.80%*
$25k-$2,928
Spectrum Credit Union48 Month IRA (Traditional, Roth, CESA)
2.80%*
$500-$2,928
Quorum FCU48 Month IRA Term Savings (Traditional, Roth)9 Reviews
2.80%
$1k-$2,928
Discover Bank4 Year IRA (Traditional, Roth)205 Reviews
2.80%
$2.5k-$2,920
United States Senate FCU48-59 Month IRA (Traditional, Roth, SEP)8 Reviews
2.79%*
$20k-$2,886
North American Savings Bank36 - 47 Month IRA (Traditional, Roth, CESA)5 Reviews
2.79%
$1k-$2,852
Advancial4 Year Junior Jumbo IRA (Traditional, Roth, CESA)8 Reviews
2.78%
$25k$50k$2,898
American Heritage FCU48 Month IRA Certificate (Traditional, Roth, CESA)3 Reviews
2.76%
$1k-$2,885

Displaying 1-40 of 126 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 APY (Annual Percentage Yield) 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.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers 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 [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.