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 361–375 results
- Directions Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - Red River Federal Credit UnionCertificateCD · 48 months
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000 - Vantage Point Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).
3.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - NextStep Federal Credit UnionCertificate AccountsCD · 48 months
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Step-up option available on 36-60 month certificates. Additional 10 basis points (0.10%) for deposits over $50,000.
Offer: With step-up option
3.85% interest rate
Rate checked
More details - Community National BankCertificate of Deposit (CD) AccountsCD · 48 months · $1,000 min · 3.74%–4.10% by balance
Bank · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates subject to change without notice. Other maturities upon request.
Offer: Interest paid or Compounded Quarterly
3.69% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Accounts Balance APY $1,000 – $5,000 3.74% $5,000 – $20,000Your amount 3.91% $20,000 and up 4.10% Rate checked
More details - Northrop Grumman Federal Credit UnionCertificatesCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.85% interest rate · Effective Oct 16, 2026
Rate checked
More details - Regional Missouri BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min · 3.91%–4.22% by balance
Bank · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: Fixed rate for initial term. Penalty for early withdrawal may apply; early withdrawal fees may reduce earnings and could reduce principal deposit. No setup or maintenance fees.
Offer: APY assumes quarterly compounding of interest. Early withdrawal penalty for 4-year maturity is 365 days interest.
3.85% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 3.91% $50,000 and up48 Month Jumbo Bump Up CD. The interest rate may change at the owner's discretion during the initial term of the investment. 4.22% Rate checked
More details - First National BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: Rates as of: October 9, 2026. Rates are subject change, for the most current rates please contact us at 434.369.3000. A penalty will be imposed for early withdrawal (except No Penalty). Interest rate and APY may change after opening. Daily balance calculation. Fees could reduce earnings.
Offer: 4 Year CD. Early withdrawal penalty applies.
3.85% interest rate · Effective Oct 9, 2026
Rate checked
More details - First Nebraska BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: Must be 18 or older and a resident of Nebraska, Iowa, South Dakota or Kansas. Substantial penalty may be imposed for early withdrawal (except No Penalty certificate).
Offer: Compounded quarterly. Substantial penalty may be imposed for early withdrawal.
3.85% interest rate · Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - Civic Federal Credit UnionChoice CertificateCD · 37–48 months · $250 min
Credit union · Add a location to see nearby branches
3.90%APYwith conditionsRequirements
Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).
Qualified rate · 3.83% interest rate · Compounded monthly · Effective Sep 2, 2026
Rate checked
More details - Peshtigo National BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000Requirements
Product: $500.00 minimum opening deposit required to open and obtain the APY. Early withdrawal penalty. 12 month add-on requires a minimum deposit of $500.00 to open ($10,000 maximum); additional funds may be deposited at a minimum of $100.00 per deposit. Simple interest calculation based on a 365 day basis. Long term relationship pricing available upon contacting the bank.
Offer: Early withdrawal penalty. Simple interest calculation based on a 365 day basis.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Fortera Credit UnionFixed Rate CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000Requirements
Product: Must be 18 or older and meet field of membership eligibility (live, work, worship, or attend school in service regions, affiliated partner, or immediate family of member) and have a Share Savings Account. No additional deposits allowed except at maturity or during grace period.
3.84% interest rate · Effective Oct 5, 2026
Rate checked
More details - INOVA Federal Credit UnionStep Up CertificatesCD · 48 months · $200 min
Credit union · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000Requirements
Product: Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.
3.83% interest rate
Rate checked
More details - INOVA Federal Credit UnionCertificatesCD · 48 months · $200 min
Credit union · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
3.83% interest rate
Rate checked
More details - Rogue Credit UnionTreasure Valley Certificates $500 or MoreCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000Requirements
Product: Treasure Valley rates. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.83% interest rate · Effective Oct 22, 2026
Rate checked
More details
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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank