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 376–390 results
- 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
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More details - UPS Employees Federal Credit UnionShare CertificatesCD · 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: Dividends compounded and paid monthly. 10-day grace period at maturity to make changes or withdraw funds. Automatically renews into the same certificate term. Early withdrawal penalties may apply.
3.83% interest rate
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More details - Telhio Credit UnionCertificate of Deposit (CD)CD · 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: Open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio. Early withdrawal penalty may reduce earnings. Interest is compounded and paid quarterly.
Offer: Fees such as a penalty for early withdrawal on Share CDs may reduce earnings.
3.83% interest rate · Effective Oct 13, 2026
Rate checked
More details - Vida Federal Credit UnionCertificates of DepositCD · 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: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
Offer: Early withdrawal penalty 180 days of dividends. Dividend rate 3.83%.
3.83% interest rate · Effective Oct 21, 2026
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More details - Sharefax Credit UnionBump Share CertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000with conditionsRequirements
Product: Business account holders do not qualify for Jump or Relationship Rates. IRA and HSA share certificates are not eligible for bumps. Rates are subject to change. Please check with a Member Service Representative.
Offer: Platinum relationship tier
Qualified rate · 3.83% interest rate · Effective Oct 5, 2026
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More details - Sharefax Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Offer: Platinum relationship tier
Qualified rate · 3.83% interest rate · Compounded monthly · Effective Oct 5, 2026
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More details - Friends and Family Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$1,654 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 Silver tier.
Qualified rate · 3.84% interest rate · Effective Oct 23, 2026
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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
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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
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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
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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
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More details - Farmers 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: Substantial penalty is imposed on early withdrawals. APY assumes interest will remain on deposit until maturity.
3.84% interest rate · Effective Oct 16, 2026
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More details - Middlesex Savings BankFreedom Platinum Certificate of DepositCD · 48 months · $250 min
Bank · Add a location to see nearby branches
3.90%APY$1,654 over 48 months on $10,000with conditionsRequirements
Product: Requires a Freedom Platinum Checking account. Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
Offer: Requires Freedom Platinum Checking account.
Qualified rate · 3.83% interest rate · Effective Oct 15, 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
3,255 CDs at 2,921 banks and credit unions · checked Oct 22–23
- Typical
- 3.00%
- Top 10% from
- 4.00%
- 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