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.
Top CD rates
Showing 16–30 results
- Federal Employees CUCertificates of Deposit "Regular"CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.70%APY$2,017 over 48 months on $10,000Requirements
Product: Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Offer: Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
4.70% interest rate
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 48 months · $1,500 min
Bank · Add a location to see nearby branches
4.65%APY$1,994 over 48 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 365 days simple interest for terms 4 years and up.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - Grant County BankCertificates of Deposit (CDs)CD · 48 months · $100 min · 4.64%–4.74% by balance
Bank · Add a location to see nearby branches
4.64%APY$1,989 over 48 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Interest rate and APY may change after account opening.
4.59% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $100,000Your amount 4.64% $100,000 and up 4.74% Rate checked
More details - Whiting Refinery Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.59%APY$1,966 over 48 months on $10,000Requirements
Product: Rates subject to change at any time. Certain limitations may apply. Subject to early penalty withdrawal.
4.50% interest rate
Rate checked
More details - Members 1st Credit Union75th Anniversary CD SpecialCD · 48 months · $7,500 min
Credit union · Add a location to see nearby branches
4.58%APY$1,963 over 48 months on $10,000intro rateRequirements
Product: Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.
Offer: Open a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end.
Promotional rate · Effective Oct 1, 2026
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More details - Educational Community Alliance CUShare CertificateCD · 48 months
Credit union · Add a location to see nearby branches
4.58%APY$1,962 over 48 months on $10,000Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.50% interest rate · Effective Dec 31, 2024
Rate checked
More details - Serve Credit UnionCertificate of DepositCD · 48 months · $1,000 min · 4.55%–4.75% by balance
Credit union · Add a location to see nearby branches
4.55%APY$1,948 over 48 months on $10,000Requirements
Product: Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
4.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 4.55% $50,000 – $100,000 4.65% $100,000 and up 4.75% Rate checked
More details - Chivaho Federal Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.55%APY$1,948 over 48 months on $10,000Requirements
Product: Minimum deposit of $500.00. Dividends are paid monthly. Terms ranging from 6 to 60 months.
Offer: Minimum $500.00; Dividends paid monthly
4.45% interest rate
Rate checked
More details - Global Bank NYPersonal Certificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.55%APY$1,948 over 48 months on $10,000Requirements
Product: Interest is compounded daily, payable monthly, and may be withdrawn at maturity. Fixed interest rates determined at the time of deposit for the specified term. Early withdrawal penalties may apply. Fees may reduce earnings.
4.45% interest rate · Compounded daily · Effective Sep 25, 2026
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More details - First Westroads BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.55%APY$1,948 over 48 months on $10,0004.47% interest rate
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More details - Homeland Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.53%APY$1,939 over 48 months on $10,000Effective Aug 5, 2026
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More details - Arkansas Federal Credit UnionRegular CertificateCD · 24–71 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APYRequirements
Product: Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
Effective Oct 9, 2026
Rate checked
More details - First National Bank of SteelevilleCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Guaranteed, fixed rates for the length of term. Minimum opening deposit varies based on term. A penalty may be imposed for early withdrawal.
Offer: 48 Month CD. A penalty may be imposed for early withdrawal.
Effective Oct 15, 2026
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 4.40%–4.60% by balance
Credit union · Add a location to see nearby branches
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 4.40% $10,000 – $24,999Your amount 4.50% $25,000 – $99,999 4.50% $100,000 – $250,000 4.55% Over $250,000 4.60% Rate checked
More details - 4.50%APY$1,925 over 48 months on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member.
4.41% interest rate · Effective Oct 6, 2026
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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
- Synchrony BankBank