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 571–585 results
- Northern Hills Federal Credit UnionCertificatesCD · 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: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Compounded daily · Effective Oct 4, 2026
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More details - Granite Credit UnionTraditional Savings 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: No monthly fee. No investment fee. Penalties imposed for early withdrawals.
Offer: Dividends compounded and credited monthly based on the daily balance formula.
3.69% interest rate
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More details - SkyPoint Federal Credit UnionShare CertificatesCD · 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: Dividends paid monthly. Substantial early withdrawal penalties apply. $1,000 minimum deposit.
Offer: Dividends paid monthly. Substantial penalty may apply for early withdrawal.
3.68% interest rate · Effective Oct 3, 2026
Rate checked
More details - EagleBankCertificates of Deposit for PersonalCD · 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: Interest is compounded daily and credited periodically. Penalty for early withdrawal may reduce earnings. APY assumes interest remains on deposit until maturity date. Fixed rate paid for the full term.
3.68% interest rate · Compounded daily · Effective Sep 24, 2026
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More details - Signia Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000intro rateRequirements
Product: Signia Credit Union membership is required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.
Promotional rate · Effective Oct 1, 2026
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More details - Pima Federal Credit UnionTerm Share Certificate (CD)CD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Minimum deposit $250 with no maximum. Plus, enjoy a 0.25% APY increase on your new CD with a qualifying CareFREE Checking account (CareFREE Plus Checking with e-statements and at least $1,000 in monthly direct deposits).
Effective Oct 1, 2026
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More details - Greenwood Credit UnionCertificates of DepositCD · 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: Only $1,000 minimum balance to open. Interest is compounded daily and credited monthly. Rates are locked for the term chosen.
3.68% interest rate · Compounded daily · Effective Sep 30, 2026
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More details - Trumark Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,0003.69% interest rate · Effective Sep 18, 2026
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More details - Trumark Credit UnionBump-Up 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: Request a rate bump if rates rise: once during a 24-month term, twice during a 48-month term. Rate increases apply to the remaining term.
Offer: Allows two rate bumps during the 48-month term.
3.69% interest rate · Effective Sep 18, 2026
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More details - ESB FinancialCertificates of Deposit (CDs)CD · 48 months
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.
Offer: Interest compounded quarterly.
3.70% interest rate · Compounded quarterly
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More details - Bragg Mutual 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: Available to members across Fayetteville, NC and Southeastern North Carolina. No setup or maintenance fees. No additional deposits after opening. Early withdrawals may incur penalties. 10-day grace period after maturity. Interest compounds monthly and automatically renews at maturity. Balances in excess of $250,000.00 do not qualify for share certificate rates.
Offer: Interest compounds monthly. Early withdrawal penalty may apply. Automatically renews at maturity.
Balance cap $250,000 · Effective Oct 2, 2025
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More details - Blue Flame Credit UnionShare 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: Dividends are compounded and paid monthly. Early withdrawal penalties apply. Automatically renews for the same term at maturity unless otherwise requested.
Offer: Minimum balance before dividends can be earned.
Effective Jan 2, 2026
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More details - WinSouth 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 $10,000intro rateRequirements
Product: Penalty for early withdrawal. Minimum opening balance of $1,000.
Promotional rate
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More details - Monroe County Teachers Federal Credit UnionShare CertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Minimum investment of $10,000. Management has discretion to match local rate offerings. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply. Management has discretion to match local rate offerings.
Effective Jan 24, 2023
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More details - Millbury Federal Credit UnionCertificatesCD · 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: Penalty for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal.
3.69% interest rate · Effective Aug 19, 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