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 601–615 results
- Farmers Bank of WillardsCertificates of DepositCD · 48 months · $1,000 min · 3.69%–3.74% by balance
Bank · Add a location to see nearby branches
3.74%APY$1,582 over 48 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates over $250,000. Minimum of $1,000 to open account.
3.69% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Any balanceYour amount 3.74% $100,000 – $249,999Rates between $100,000-$249,999. 3.69% Rate checked
More details - Latino Community Credit UnionShare Term Certificates RegularCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.73%APY$1,578 over 48 months on $10,000Requirements
Product: Must be a Latino Community Credit Union member. Interest accrues daily, but is not compounded. Dividends paid out to a separate LCCU account.
3.73% interest rate · Effective Oct 1, 2026
Rate checked
More details - Community First Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.72%APY$1,573 over 48 months on $10,000intro rateRequirements
Product: Rates effective October 23, 2026. $500 minimum deposit. 0.10% bonus paid on certificates of $50,000 or more for terms of 2 to 5 years.
Promotional rate · 3.65% interest rate · Effective Oct 23, 2026
Rate checked
More details - Midcoast Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.72%APY$1,573 over 48 months on $10,000Requirements
Product: Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Automatically renews at maturity at the next highest regular term with a 10-day grace period. Early withdrawal penalty applies.
3.66% interest rate · Effective Oct 1, 2026
Rate checked
More details - Radiant Credit UnionFixed Rate CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.72%APY$1,573 over 48 months on $10,000Requirements
Product: Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
Offer: APY is based on $10,000; your APY may vary slightly. Compounded daily.
3.65% interest rate · Compounded daily
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of Tuesday, October 20, 2026. Early-withdrawal penalties apply.
Offer: Monthly Crediting. Average daily balance requirement of $1,000.
3.65% interest rate · Effective Oct 20, 2026
Rate checked
More details - State Highway Patrol Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000Requirements
Product: Membership required to open Share Certificates with SHPFCU. A penalty may be imposed for early withdrawal. Minimum balance to open a share certificate is $500.00. Dividends may be paid monthly, quarterly, or annually; APY listed assumes monthly dividends.
Offer: Assumes monthly dividends. Dividends may be paid monthly, quarterly, or annually. Penalty for early withdrawal. Membership required.
3.65% interest rate
Rate checked
More details - Addition Financial Credit UnionTerm Share CertificateCD · 48–59 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APYRequirements
Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.
3.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - Highmark Federal Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
Offer: Applies to Honors Rewards Members (* indicates Dividend Rate).
Qualified rate · 3.64% interest rate · Effective Oct 1, 2026
Rate checked
More details - Castroville State BankCertificate of DepositCD · 48 months · $1,000 min · 3.71%–4.07% by balance
Bank · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply.
3.65% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.71% $25,000 – $100,000 3.92% $100,000 and upJUMBO'S 4.07% Rate checked
More details - Resource One Credit UnionRegular CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000Requirements
Product: Automatically renews at the term selected and the rate at the time of renewal. Additional deposits cannot be made during the term. Penalty for early withdrawal prior to maturity date. Membership eligibility applies (lives or works in Mesquite, Garland, Irving, Cedar Hill, or Dallas County, TX).
Offer: Dividends paid monthly. Penalty will or may be imposed for early withdrawal prior to maturity date.
3.65% interest rate · Effective Oct 6, 2026
Rate checked
More details - Quest Federal Credit UnionShare CertificateCD · 48 months · $1,000 min · 3.45%–3.97% by balance
Credit union · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000Requirements
Product: The minimum balance to open a Share Certificate is $1000.00 ($500.00 for minors age 18 and under). A higher rate is paid on share certificates $10,000.00 and over. Dividends on share certificates are paid monthly and can be posted to the share certificates balance, deposited into a Share or Share Draft Account or mailed to the member in a check. No additional funds may be added to the share certificates until the maturity date. Withdraws before the maturity date will incur an early withdraw penalty. share certificates will automatically renew for the same term at maturity, at the current rate. There is a 10 day grace period after maturity in which you the member may make changes or redeem the share certificates.
Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.45% $10,000 and upYour amount 3.71% $75,000 and up 3.97% Rate checked
More details - Universal 1 Credit UnionCertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawals of principal are subject to substantial interest/dividend penalties. Minimum opening deposit requires maintaining $5.00 par value share in a Savings account.
Offer: Early withdrawal penalty is 182 days' dividends for terms of 13 months or greater.
3.65% interest rate · Compounded daily · Effective Nov 10, 2025
Rate checked
More details - Grow FinancialCertificate AccountCD · 48–59 months · $500 min · 3.71%–3.82% by balance
Credit union · Add a location to see nearby branches
3.71%APYRequirements
Product: Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Membership required.
Offer: Must maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY.
3.65% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 3.71% $100,000 and up 3.82% Rate checked
More details - Romney Federal Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.71%APY$1,569 over 48 months on $10,000Requirements
Product: Share Certificates of Deposit are compounded and posted quarterly. Early withdrawal penalties may be assessed. APY assumes interest will remain on deposit.
3.65% interest rate · Effective Sep 14, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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