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 331–345 results
- Signature Federal Credit UnionStandard Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.98%APY$1,690 over 48 months on $10,000Requirements
Product: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
Effective May 27, 2026
Rate checked
More details - Ascend Federal Credit UnionRegular Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$1,685 over 48 months on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal.
3.90% interest rate · Effective Oct 1, 2026
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More details - Arkansas Best FCUShare CertificatesCD · 48 months · $500 min · 3.81%–4.13% by balance
Credit union · Add a location to see nearby branches
3.97%APY$1,685 over 48 months on $10,000Requirements
Product: Dividends are paid monthly. Early withdrawal penalties may apply. Membership with Arkansas Best Federal Credit Union is required for this offer. Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.
3.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $999 3.81% $1,000 – $9,999 3.82% $10,000 – $19,999Your amount 3.97% $20,000 – $49,999 3.97% $50,000 – $99,999 4.13% $100,000 and up 4.13% Rate checked
More details - Cumberland County Federal Credit UnionRegular Share Certificate AccountCD · 48 months · $1,000 min · 3.97%–4.18% by balance
Credit union · Add a location to see nearby branches
3.97%APY$1,685 over 48 months on $10,000Requirements
Product: A minimum daily balance of $1,000 is required to earn the annual percentage yield. Fixed rate through maturity. Early withdrawal penalties may apply.
3.90% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Account Balance APY $1,000 – $50,000Your amount 3.97% $50,000 – $150,000 4.07% $150,000 and up 4.18% Rate checked
More details - Wright-Patt Credit UnionShare CertificatesCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
3.97%APYRequirements
Product: Dividends are compounded monthly and credited monthly. Early withdrawal penalties apply. $500.00 or $100,000 minimum balance requirement to open and earn dividends depending on the dividend tier. No monthly service fee.
Compounded monthly
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More details - 3.96%APY$1,681 over 48 months on $10,000
Requirements
Offer: 4 Year term. Early withdrawal penalty: 5 Month's Interest.
3.90% interest rate · Effective Sep 24, 2026
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More details - Phelps County BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$1,681 over 48 months on $10,0003.90% interest rate · Effective Oct 1, 2026
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More details - Exchange Bank and Trust CompanyCertificate of DepositCD · 48 months · $1,000 min · 3.96%–4.06% by balance
Bank · Add a location to see nearby branches
3.96%APY$1,681 over 48 months on $10,000Requirements
Product: Certificates purchased are subject to interest penalties if withdrawn prior to maturity. Rates subject to change without notice.
3.90% interest rate · Effective Aug 4, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 3.96% $25,000 – $99,999 4.06% $100,000 and up 4.06% Rate checked
More details - 3.96%APY$1,679 over 48 months on $10,000
Requirements
Product: Must meet credit union membership eligibility requirements. Minimum balance required. Early withdrawal penalties apply.
3.90% interest rate
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More details - Northeast Community Credit Union48 Month Certificate AccountCD · 48 months
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Effective Oct 23, 2026
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More details - Educational Systems Federal Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Standard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed.
Promotional rate · 3.89% interest rate · Effective Oct 19, 2026
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More details - Desert FinancialSavings CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. Must maintain an open Membership Savings account with a minimum balance requirement of $25. Dividends credited and compounded monthly on the last day of the month. Automatically renews for the same term at current rate with a 10-day grace period.
Offer: $1,000 minimum balance required to earn dividends. Early withdrawal penalty may apply.
Promotional rate · 3.88% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - Pathways Financial Credit UnionShare CertificatesCD · 48 months · $500 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Rate and annual percentage yield is fixed for the term of the share certificate. Penalty for early withdrawal of principal: 180 days' dividends for terms less than 36 months, 365 days' dividends for terms equal to or greater than 36 months. Must allow earnings to be added to certificate balance to earn stated APY; withdrawal of monthly earnings will not allow earning stated APY.
Offer: Early withdrawal penalty applies (365 days' dividends for terms 36 months or greater). Earnings must remain in certificate to earn stated APY.
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.95% $100,000 and up 4.05% Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000with conditionsRequirements
Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
Offer: Family Advantage Platinum tier.
Qualified rate · 3.89% interest rate · Effective Oct 16, 2026
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More details - CommunityAmerica Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
3.87% interest rate · Effective Oct 15, 2026
Rate checked
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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
3,258 CDs at 2,924 banks and credit unions · checked Oct 16–23
- Typical
- 3.00%
- Top 10% from
- 3.99%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.20%
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