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 466–480 results
- Cadets Federal Credit UnionShare CertificateCD · 48 months · $1,000 min · 3.80%–4.06% by balance
Credit union · Add a location to see nearby branches
3.80%APY$1,610 over 48 months on $10,000Requirements
Product: Dividends are calculated using average daily balance and are paid quarterly. Early withdrawal penalties apply (4 months for 12-18 month terms, 6 months for 2 year terms, 9 months for 3-5 year terms).
Offer: 9-Month Penalty for Early Withdrawal. Dividends calculated using average daily balance and paid quarterly.
3.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.80% $50,000 – $99,999 3.93% $100,000 – $250,000 4.06% Rate checked
More details - Stanford Federal Credit UnionCertificatesCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Standard rate tier.
Qualified rate · 3.74% interest rate · Effective Sep 18, 2026
Rate checked
More details - Sharefax Credit UnionBump Share CertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 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: Silver relationship tier
Qualified rate · 3.73% interest rate · Effective Oct 5, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 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: Silver relationship tier
Qualified rate · 3.73% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Iowa State BankCertificates of DepositCD · 48 months · $5,000 min
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000intro rateRequirements
Product: A substantial penalty may be imposed for early withdrawal from any of the above certificates of deposit investments. A 10-day grace period is provided upon maturity of the Certificate of Deposit to make changes or withdrawals without penalty. Fees may reduce earnings.
Offer: Compound frequency: Semi-Annually. Effective Thru: 10/27/2026. A substantial penalty may be imposed for early withdrawal.
Promotional rate · 3.76% interest rate · Effective Oct 14, 2026
Rate checked
More details - Red River Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded quarterly.
3.75% interest rate · Compounded quarterly · Effective Oct 7, 2026
Rate checked
More details - Heritage Community Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000intro rateRequirements
Product: Minimum opening deposit $1,000.
Promotional rate · 3.74% interest rate · Effective Oct 14, 2026
Rate checked
More details - SAG-AFTRA Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.70%–3.90% by balance
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Start with $1,000. Dividends earned daily, compounded and paid monthly on the last day of the month. Early withdrawal penalties apply.
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.70% $10,000 and upYour amount 3.80% $25,000 and up 3.85% $50,000 and up 3.90% Rate checked
More details - SAG-AFTRA Federal Credit UnionCoogan Share Certificate AccountsCD · 48 months · $1,000 min · 3.70%–3.90% by balance
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Information disclosed for Share Certificate Accounts also applies to Coogan Share Certificate Accounts.
Rate by balance
Rate by balance for Coogan Share Certificate Accounts Balance APY $1,000 and up 3.70% $10,000 and upYour amount 3.80% $25,000 and up 3.85% $50,000 and up 3.90% Rate checked
More details - PSE Credit UnionCertificates of Deposit (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Rates remain fixed for the term of the certificate. Dividends are compounded quarterly. Early withdrawal penalties apply.
Offer: Fixed rate. Dividends compounded quarterly. Early withdrawal penalties apply.
3.75% interest rate · Compounded quarterly · Effective Oct 9, 2026
Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 48 months · $1,000 min · 3.70%–3.80% by balance
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Compounding & Auto Deposit Plans; balance less than $10,000. Convertible at half term without penalty.
3.70% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.70% $10,000 and upYour amount 3.80% Rate checked
More details - First Alliance Credit UnionCertificate of DepositCD · 48 months · $500 min · 3.80%–4.05% by balance
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Fixed interest rate for the CD term. Minimum deposit is $500.00. No monthly service fees or charges. Auto-renewal options are available. Early withdrawal penalties may apply.
3.74% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $100,000Your amount 3.80% $100,000 – $250,000 3.95% $250,000 and up 4.05% Rate checked
More details - The Seymour BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: FDIC insured fixed rate investment. A substantial penalty for early withdrawal will be imposed.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Oakwood BankCertificates of DepositCD · 48 months · $100 min
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
Offer: The minimum deposit for each CD is also the minimum balance to obtain the APY. A penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Oct 14, 2026
Rate checked
More details - Security BankCertificates of DepositCD · 48 months · $2,000 min
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $2,000 in the account each day to obtain the disclosed APY. Interest compounded quarterly and stays on deposit until maturity. Early withdrawal penalty may apply. Automatically renews 10 days after maturity for the same term at the current interest rate.
Offer: Term: 48 Months. Must maintain a minimum daily balance of $2,000 each day to obtain disclosed APY.
3.75% interest rate · Compounded quarterly · Effective Oct 6, 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
3,254 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