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 406–420 results
- Central Keystone FCUShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$1,641 over 48 months on $10,000Requirements
Product: A penalty will be imposed for ealy withdrawal of term share accounts
Effective Oct 22, 2026
Rate checked
More details - Galaxy Federal Credit UnionShare CertificateCD · 37–48 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APYRequirements
Product: Membership is open to anyone who lives, works, worships, attends school, or volunteers in Venango County and their immediate family. Members must maintain a minimum balance of $5 in savings accounts. Penalty for early withdrawal.
3.80% interest rate · Effective Jul 1, 2026
Rate checked
More details - Valley Credit UnionTerm Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,640 over 48 months on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Compounding monthly. A penalty applies for early withdrawal.
Promotional rate · 3.80% interest rate · Effective Oct 1, 2026
Rate checked
More details - Brewer Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,640 over 48 months on $10,000Requirements
Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.
3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - First National Bank in OlneyCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.87%APY$1,640 over 48 months on $10,000Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
3.80% interest rate · Effective Sep 15, 2026
Rate checked
More details - Gardiner Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$1,640 over 48 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
3.80% interest rate · Effective Aug 1, 2025
Rate checked
More details - Tri County Area Federal Credit UnionCertificatesCD · 48 months · $500 min · 3.87%–3.98% by balance
Credit union · Add a location to see nearby branches
3.87%APY$1,640 over 48 months on $10,000Requirements
Product: Dividends paid monthly; No setup or maintenance fees; Add-on option available to make additional deposits; Funds fully insured up to $250,000 by the NCUA.
Offer: Dividends paid monthly.
3.80% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.87% $50,000 and up 3.92% $75,000 and up 3.98% Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionTerm Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$1,640 over 48 months on $10,000Requirements
Product: Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
3.80% interest rate · Effective Jul 9, 2026
Rate checked
More details - Highmark Federal Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.86%APY$1,636 over 48 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
Offer: Applies to Platinum Rewards Members (* indicates Dividend Rate).
Qualified rate · 3.79% interest rate · Effective Oct 1, 2026
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More details - GSA FCUShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.86%APY$1,636 over 48 months on $10,000Requirements
Product: Deposit of $1,000 or more. Terms range from 6 months to 60 months. Rates reflect a minimum monthly direct deposit of $200; accounts without direct deposit receive a 0.25% reduction.
Offer: Rates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate.
3.80% interest rate · Effective Dec 5, 2025
Rate checked
More details - Aspen Federal Credit UnionShare CertificatesCD · 12–48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY3.80% interest rate · Effective Jul 21, 2025
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More details - Ardent Credit UnionCertificateCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: Membership eligibility and requirements apply. Fees may reduce earnings. Certificate interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. Fixed interest rates for the term of the Certificate. Early withdrawal penalty applies (smaller of interest since issuance/renewal or 180 days of interest). Unless otherwise stated, certificates automatically renew at maturity to the rate effective at that time. Minimum balance / opening minimum is $100.
3.78% interest rate · Effective Oct 16, 2026
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More details - Marquette Savings BankCertificates of DepositCD · 48 months · $10,000 min
Bank · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Ladder CD promotional kicker rate for 4 Year CD. Minimum opening deposit of $10,000 required for each of the three CDs opened. Must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms. Kicker rate valid for initial term only. IRAs excluded.
3.80% interest rate · Effective Oct 20, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 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: Gold relationship tier
Qualified rate · 3.78% interest rate · Compounded monthly · Effective Oct 5, 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
3.85%APY$1,631 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: Gold relationship tier
Qualified rate · 3.78% interest rate · Effective Oct 5, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 4-year CDs pay nationwide
3,254 CDs at 2,920 banks and credit unions · checked Oct 22–24
- 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