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Compare Bank & Credit Union Rates

Best 4-year CD rates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
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Top CD rates

Showing 1–15 results

  1. Top Carrot, Carrot Score 95
    Toyota Financial Savings BankCertificates of DepositCD · 48 months · $1 min

    Bank · Add a location to see nearby branches

    5.20%APY$2,248 over 48 months on $10,000
  2. Raymond James BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    5.20%APY$2,248 over 48 months on $10,000
  3. Raymond James BankCertificates of Deposit (CDs)CD · 48 months · $2,000 min

    Bank · Add a location to see nearby branches

    5.20%APY$2,248 over 48 months on $10,000
  4. Top Carrot, Carrot Score 95
    Commonwealth Credit UnionWealth Development CertificateCD · 48 months · $5 min

    Credit union · Add a location to see nearby branches

    5.00%APY$2,155 over 48 months on $10,000
  5. Top Carrot, Carrot Score 98
    MECE Credit UnionCertificates (CDs)CD · 48 months · $10,000 min

    Credit union · Add a location to see nearby branches

    4.94%APY$2,127 over 48 months on $10,000
  6. Top Carrot, Carrot Score 93
    Scott Associates Credit Union IncShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.86%APY$2,088 over 48 months on $10,000
  7. Top Carrot, Carrot Score 98
    Tower Federal Credit UnionRegular and Special Share CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.85%APY$2,086 over 48 months on $10,000intro rate
  8. Top Carrot, Carrot Score 98
    MECE Credit UnionCertificates (CDs)CD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.84%APY$2,081 over 48 months on $10,000
  9. Top Carrot, Carrot Score 88
    Woodlands National BankStandard CD RatesCD · 48 months · $1,000 min · 4.84%–4.94% by balance

    Bank · Add a location to see nearby branches

    4.84%APY$2,081 over 48 months on $10,000
  10. Grant County State BankCertificate of DepositCD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.83%APY$2,077 over 48 months on $10,000
  11. BrightStar Credit UnionCertificatesCD · 48–59 months

    Credit union · Add a location to see nearby branches

    4.80%APYwith conditions
  12. Top Carrot, Carrot Score 94
    Fremont Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.80%APY$2,063 over 48 months on $10,000
  13. Nicolet National BankCertificate of DepositCD · 48 months · $2,500 min

    Bank · Add a location to see nearby branches

    4.70%APY$2,017 over 48 months on $10,000
  14. Top Carrot, Carrot Score 98
    BTG Pactual Bank, National AssociationOnline CDCD · 48 months · $500 min

    Bank · Add a location to see nearby branches

    4.70%APY$2,017 over 48 months on $10,000intro rate
  15. Top Carrot, Carrot Score 94
    Georgia Heritage Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.70%APY$2,017 over 48 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What 4-year CDs pay nationwide

3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
3.98%
Banks, typical
2.50%
Credit unions, typical
3.20%

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Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions