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 826–840 results
- Lenco Credit UnionCertificates of DepositCD · 48 months · $3,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Penalty for early withdrawals. Dividends are computed daily and paid quarterly using the average daily balance for the dividend period.
Offer: Penalty for early withdrawals. Dividends paid quarterly using the average daily balance.
Effective Oct 5, 2026
Rate checked
More details - LOC Credit UnionHeroes CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000with conditionsRequirements
Product: Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty.
Qualified rate · 3.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - Muskegon Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Rates are subject to change at any time, by direction of Board of Directors.
3.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - Bank of Lake MillsCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Minimum balance to open and obtain the APY. Early withdrawal may be subject to penalty. APY assumes interest remains on deposit. Fees could reduce earnings. Withdrawal of interest will reduce earnings.
Offer: 4 Year CD. Minimum balance to open and obtain APY is $500.
3.49% interest rate · Effective Sep 9, 2026
Rate checked
More details - Employees Federal Credit UnionShare Certificate AccountCD · 48 months · $1,000 min · 3.55%–3.80% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. A penalty may be imposed for early withdrawals. Rates reflected are recent rates but are subject to change. Platinum Members add .25%/ Member Rewards add .10% to certificates - cannot combine
3.50% interest rate
Rate by balance
Rate by balance for Share Certificate Account Balance APY $1,000 – $50,000Your amount 3.55% $50,000 and upJumbo Rate ($50,000+) 3.80% Rate checked
More details - 3.55%APY$1,497 over 48 months on $10,000
Requirements
Product: Dividends are compounded quarterly. Available to members of DOCCU or employees/retirees of DOC or its subsidiaries and immediate family members.
Offer: Early withdrawal penalty: For 2-5 year Certificates is 90 days dividends or all dividends earned, whichever is least.
3.50% interest rate · Compounded quarterly
Rate checked
More details - Velocity Community Credit UnionMemberPLUS CertificateCD · 48 months · $5,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000with conditionsRequirements
Product: Requires qualifying for Member PLUS: member in good standing and either direct deposits of $750/month, $10,000 in combined deposits, active loan with Credit Union (including active VISA credit card within last 30 days), or 20+ debit transactions/month. Members age 24 and under do not automatically qualify for bonus CD rate unless meeting criteria. Certificate rates remain fixed for term. Penalty may be imposed for early withdrawal.
Offer: Requires MemberPLUS qualification.
Qualified rate · 3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1st Street Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.55%–3.65% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.55% $75,000 and up 3.60% $150,000 and up 3.65% Rate checked
More details - Mid-Atlantic Federal Credit UnionRegular CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Rate tier balance requirements apply.
Offer: 4 Year Regular Certificate.
3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - APG Federal Credit UnionMember Rewards Gold CertificateCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Requires Member Rewards Gold level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Gold level
3.50% interest rate · Effective Oct 3, 2026
Rate checked
More details - Farmers and Drovers BankJump Rate CDCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Offer: Interest compounding frequency: Quarterly. Interest availability: Quarterly.
3.50% interest rate · Effective Sep 19, 2024
Rate checked
More details - Farm Bureau Family Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Gold Members receive an additional 0.25% dividends earned on certificates.
Offer: Gold Members receive an additional 0.25% dividends earned.
Rate checked
More details - First National Bank of BangorCertificates of Deposit (CDs)CD · 48 months
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: All CD's earn interest at a fixed rate determined on date of purchase. Substantial penalty for early withdrawal. Automatically renewable at the rate in effect on renewal date. Minimum balance requirements may exist.
3.50% interest rate · Effective Aug 31, 2026
Rate checked
More details - Avestar CUShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Dividends are paid quarterly. Early withdrawal penalty is 90 days interest. Avestar matches rates on certificates with comparable terms from other local financials.
3.50% interest rate
Rate checked
More details - Leighton State BankCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000intro rateRequirements
Product: Maturity terms vary from 3 months to 5 years. $500 minimum balance requirement. Early withdrawal penalties may apply. Fees, if any, may reduce earnings. All deposits are FDIC insured.
Offer: Step CD. Interest paid quarterly. Eligible to step up rate once during the CD term, any time after initial 12 months.
Promotional rate · 3.50% interest rate · Effective Aug 24, 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