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 586–600 results
- First Commerce BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Interest begins to accrue on the day the deposit is made and is calculated by the daily balance method. Penalty will be imposed for early withdrawal.
3.75% interest rate
Rate checked
More details - Farmers and Drovers BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000intro rateRequirements
Offer: Interest compounding frequency: Quarterly. Interest availability: Quarterly.
Promotional rate · 3.70% interest rate · Effective Sep 19, 2024
Rate checked
More details - Community Bank of WichitaCertificates of DepositCD · 48 months
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Interest paid by crediting another account, either at another financial institution or with Community Bank of Wichita, or compounded into the certificate. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings and a penalty may be imposed for early withdrawal.
3.69% interest rate
Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.69% interest rate · Effective Sep 18, 2026
Rate checked
More details - Tri-County 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 $10,000Effective Jan 2, 2025
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More details - First Security BankCertificates of DepositCD · 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 withdrawals are subject to penalty. Funds FDIC-insured up to $250,000.
Effective Aug 18, 2026
Rate checked
More details - Materion 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 $10,000Requirements
Product: Open to Materion Corporation employees, retirees, and their families. Penalty for early withdrawal; fees may reduce earnings. Accrued dividends are forfeited if closed before dividends are credited.
3.70% interest rate · Effective Jun 21, 2026
Rate checked
More details - Latvian Cleveland Credit UnionCertificates of DepositsCD · 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 compounded and credited quarterly. Minimum opening deposit and daily balance of $500.00 required. Account automatically renews at maturity with a 7-day grace period. Early withdrawal penalty equals six months dividends.
Rate checked
More details - Second Federal | Savings & Loan Association Of PhiladelphiaCertificates Of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000intro rateRequirements
Product: Interest compounded daily and credited quarterly. Penalty for early withdrawal applies (equal to interest for half the current term on principal withdrawn). Automatically renews at maturity with a 7-day grace period. No monthly fees.
Promotional rate · 3.68% interest rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - Shell FCUShare CertificatesCD · 48 months · $500 min · 3.75%–3.90% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.75% $25,000 and up 3.75% $50,000 and up 3.90% $100,000 and up 3.90% Rate checked
More details - KC Unidos Federal Credit UnionShare Certificate of DepositCD · 48 months
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Low minimum deposit; terms from three months to five years; dividends paid quarterly; automatic renewals; may be used as collateral for loans.
3.75% interest rate
Rate checked
More details - Technology Credit UnionConsumer 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: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.70% interest rate · Effective Sep 1, 2026
Rate checked
More details - Farmers Insurance Federal Credit UnionShare Certificate AccountsCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.
Offer: Requires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account.
Qualified rate · Effective Oct 1, 2024
Rate checked
More details - BMI Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.74%APY$1,582 over 48 months on $10,000Requirements
Product: Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.
3.69% interest rate · Effective Sep 30, 2026
Rate checked
More details - Conservation Employees Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.74%APY$1,582 over 48 months on $10,000Requirements
Product: Quarterly compounding. Subject to a 90-day early withdrawal penalty.
3.69% interest rate · Effective Oct 20, 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