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 511–525 results
- First Federal Lakewood48-Month CDCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: Early withdrawal penalties may apply. Fees could reduce earnings.
3.70% interest rate · Effective Oct 24, 2026
Rate checked
More details - Magyar Bank (New Brunswick, NJ)Certificates of Deposit (CDs)CD · 48 months · $2,500 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Early withdrawals from CDs are subject to the following penalties: Maturities of less than 12 months, loss of 3 months interest. Maturities of 12-35 months, loss of 9 months interest. Maturities of 36 – 60 months, loss of 12 months interest. Maturities of 120 months, loss of 24 months interest. Minimum Balances as low as $250 on some terms. Choose from terms ranging from 3 months to 10 years.
3.69% interest rate · Effective Oct 23, 2026
Rate checked
More details - Texas Bay Credit UnionRegular CertificatesCD · 48–59 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - First Commonwealth Federal Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - Marquette Savings BankCertificates of DepositCD · 48–59 months · $500 min
Bank · Add a location to see nearby branches
3.75%APYRequirements
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: Interest compounded and credited quarterly for terms of 12 to 60 months. Must maintain a minimum balance of $500 to obtain disclosed APY.
3.70% interest rate · Effective Oct 20, 2026
Rate checked
More details - Unity Catholic FCUTerm Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,0003.70% interest rate · Effective Oct 23, 2026
Rate checked
More details - Security BankUSACertificate of DepositCD · 48 months · $500 min · 3.50%–3.85% by balance
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Rates current as of October 23, 2026. Interest rate is paid on the entire balance. Interest Rate and APY may change after account is opened. Fees may reduce earnings certificate. Early withdrawals are subject to penalty. 36, 48, & 60 Month Certificate of Deposit are option CDs, which allows you to change the rate once during the term of the certificate.
Offer: Option CD: allows changing the rate once during the term of the certificate.
3.45% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $10,000 3.50% $10,000 – $25,000Your amount 3.75% $25,000 – $1,000,000,000 3.85% Rate checked
More details - Members First Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
Offer: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Early withdrawal penalty may apply.
3.69% interest rate · Effective Oct 23, 2026
Rate checked
More details - Michigan Educational Credit UnionShare CertificatesCD · 48 months · $5,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Rates are subject to change at any time without notice. Available with a compounding or non-compounding option. Early withdrawal penalty: 3 months and 6 months: all dividends accrued penalty; 1 to 2.5 years: 6 months of dividends accrued penalty; 3-5 years: 9 months of dividends accrued penalty.
Offer: Term: 48 Months. Early withdrawal penalty: 9 months of dividends accrued penalty.
Effective Sep 24, 2026
Rate checked
More details - Fox Communities Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: For individual depositors. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: 365 Days.
3.70% interest rate · Effective Oct 5, 2026
Rate checked
More details - StonehamBankCertificate of Deposit (CD)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Penalties may be imposed on early withdrawals. Fees may reduce earnings. Deposits are fully insured by FDIC and DIF. Rates are subject to change without notice.
3.69% interest rate · Effective Oct 22, 2026
Rate checked
More details - National Grand BankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,0003.69% interest rate · Effective Oct 21, 2026
Rate checked
More details - Freedom Credit UnionSavings CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Requires $500 minimum to open and $500 minimum balance to earn advertised APY. Penalty imposed for early withdrawal. Dividend rate and APY may change at any time.
3.68% interest rate · Effective Sep 16, 2026
Rate checked
More details - Combined Employees Credit UnionShare Savings CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.70% interest rate · Effective Sep 1, 2026
Rate checked
More details - Redstone Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Compounding option. Dividend rate is 3.70%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
3.70% interest rate · Balance cap $999,999 · Effective Sep 16, 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