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 736–750 results
- Juniata Valley BankCertificates of DepositCD · 48–59 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY3.55% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.60%APY$1,520 over 48 months on $10,000
Requirements
Product: Annual Percentage Yield is based on principal plus interest reinvested at the same interest rate with interest compounded quarterly unless otherwise stated at account opening. Substantial penalty for early withdrawal. Interest rates and annual percentage yield posted here are subject to change without notice at our discretion. Interest rate may also change at time of CD renewal.
3.60% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - Security Credit UnionShare Certificates of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - TBA Credit UnionCertificate of Deposit (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
Offer: With Direct Deposit (0.20% rate increase)
3.55% interest rate · Effective Apr 22, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Premier Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to Premier5 relationship customers.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Archer Cooperative Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,0003.55% interest rate · Effective Oct 15, 2026
Rate checked
More details - SalemVA Credit UnionShare CertificateCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
3.54% interest rate · Effective Oct 15, 2026
Rate checked
More details - SalemVA Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
3.54% interest rate · Effective Oct 15, 2026
Rate checked
More details - Fidelis Catholic Credit UnionShare CertificatesCD · 48–59 months
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Membership eligibility applies. Fees or withdrawals may reduce earnings. APY and interest rates may change after account opening.
Offer: Compounded monthly.
3.54% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - Columbine FCUJumbo Share CertificatesCD · 48 months · 3.60%–3.65% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Exclusively for balances of $100,000.00 and greater. Early withdrawal penalties apply. Federally insured by NCUA.
Effective Feb 2, 2026
Rate by balance
Rate by balance for Jumbo Share Certificates Balance APY Any balanceYour amount 3.60% $100,000 and upEarly withdrawal penalty: 180 days dividends. 3.65% Rate checked
More details - Highmark Federal Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 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.
Qualified rate · 3.54% interest rate · Effective Oct 1, 2026
Rate checked
More details - Credit Union of OhioRegular CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Dividends compound quarterly. Early withdrawal penalty applies. $500 min. to open regular certificates.
3.54% interest rate · Effective Oct 1, 2026
Rate checked
More details - KEMBA Financial Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000with conditionsRequirements
Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
Offer: Everyday APY.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - Great Meadow Federal Credit UnionShared CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Membership eligibility required. Dividends compounded at maturity. Early withdrawal forfeits earned dividends while principal balance remains intact.
Offer: Dividends compounded at maturity. Early withdrawal forfeits earned dividend.
Effective Sep 1, 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