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 496–510 results
- County-City Credit UnionShare CertificateCD · 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: Penalties apply for early withdrawal. Rates subject to change any time without notice. Fees may reduce earnings on the account.
3.75% interest rate · Effective Sep 14, 2026
Rate checked
More details - First Bank HamptonCertificates of Time DepositCD · 48 months · $1,000 min · 3.70%–3.90% by balance
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Low opening deposit of $1,000. Receive reminders before maturity and automatic renewals.
Offer: Exchange Time Deposit. Interest compounded quarterly. Early withdrawal penalties may apply: over 12 months maturity is 15 months interest.
3.65% interest rate · Compounded quarterly · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Time Deposit Balance APY $1,000 – $7,500 3.70% $7,500 – $100,000Your amount 3.80% $100,000 and up 3.90% Rate checked
More details - Northern Communities Credit Union (NCCYou)Share CertificateCD · 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: Requires credit union membership ($5 minimum share account balance). Minimum opening balance of $1,000. Interest compounded daily; paid at maturity for terms up to 24 months, paid quarterly for terms greater than 24 months. Penalty for early withdrawal.
Offer: Interest compounded daily, paid quarterly.
Promotional rate · Compounded daily · Effective Aug 31, 2026
Rate checked
More details - cfsbankCertificates of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.79%APY$1,604 over 48 months on $10,000Requirements
Product: Interest rate fixed until maturity; compounded semi-annually. Account automatically renews at maturity at current rate for term. 10 calendar day grace period after renewal date to redeem with no penalty. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Fixed interest rate compounded semi-annually. Early withdrawal penalty applies.
3.75% interest rate · Effective Oct 6, 2026
Rate checked
More details - Erie FCUTerm Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.79%APY$1,604 over 48 months on $10,000Requirements
Product: Dividends compounded monthly. Penalty may be imposed for early withdrawal. Rates subject to change.
3.73% interest rate · Compounded monthly · Effective Sep 21, 2026
Rate checked
More details - FreedomBankCertificate of DepositCD · 48 months · $1,000 min · 3.79%–4.04% by balance
Bank · Add a location to see nearby branches
3.79%APY$1,604 over 48 months on $10,000Requirements
Product: $1,000 minimum deposit required to open certificates (except kid's CDs require a $500 minimum deposit). Substantial penalty for early withdrawals applies. APY and rates subject to change at any time.
3.75% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $25,000Your amount 3.79% $25,000 – $100,000 3.79% $100,000 and up 4.04% Rate checked
More details - Sea Air FCUShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.77%APY$1,595 over 48 months on $10,000Requirements
Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.
3.70% interest rate · Effective Oct 14, 2026
Rate checked
More details - Big Horn Federal Savings4 year CDCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.77%APY$1,595 over 48 months on $10,000Requirements
Offer: Entire Balance
3.70% interest rate · Effective Oct 19, 2026
Rate checked
More details - 3.76%APY$1,591 over 48 months on $10,000
Requirements
Product: No hidden fees. FDIC-insured. $5,000 minimum balance.
Effective Oct 1, 2026
Rate checked
More details - Journey Credit UnionCertificatesCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
3.76%APY$1,591 over 48 months on $10,0003.70% interest rate · Effective Oct 21, 2026
Rate checked
More details - West Pointe BankFixed Rate Certificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.76%APY$1,591 over 48 months on $10,000Requirements
Product: Fixed Rate Certificates of Deposit (CODs) may be subject to an early withdrawal penalty. Interest compounds monthly. APY assumes interest remains in account until maturity or funds are withdrawn. Withdrawals and fees will reduce earnings.
Offer: Interest compounds monthly. Early withdrawal penalty may apply.
3.70% interest rate · Effective Oct 19, 2026
Rate checked
More details - Diamond Credit UnionRegular Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$1,591 over 48 months on $10,000Requirements
Product: Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
Effective Oct 16, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.76%–3.92% by balance
Credit union · Add a location to see nearby branches
3.76%APY$1,591 over 48 months on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.70% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.76% $50,001 and up 3.82% $100,001 and up 3.87% $250,001 and up 3.92% Rate checked
More details - First Service Federal Credit UnionTerm Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$1,591 over 48 months on $10,000Requirements
Product: Relationship Rewards: 10 basis points (.10) added to regular term certificate rates when the member has an active First Service loan balance, a First Service checking account, or is a Prime Time Club member, up to a maximum of 30 basis points (.30). Bonus points are not available on special promotions, zero-balance loans/lines of credit, or JUMP Certificates.
Offer: Dividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends.
3.70% interest rate
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$1,591 over 48 months on $10,000intro rateRequirements
Product: Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
Promotional rate · 3.70% interest rate · Effective Jul 9, 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
3,254 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