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 871–885 results
- SkyOne Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Membership required. Dividends compounded and credited quarterly. Automatically renews at maturity for the same or closest available term and dividend rate/APY in effect at renewal, unless changed during 7-day grace period. Early withdrawal penalty: terms 6 months through 1 year subject to 90 days' dividends; terms greater than 1 year subject to 180 days' dividends. Original terms 24 months or longer are eligible for a one-time rate increase during the original term if certificate rates increase.
Offer: Minimum balance to open and earn advertised APY is $1,000. Eligible for a one-time rate bump if rates increase.
3.46% interest rate · Effective Oct 23, 2026
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More details - Clay County State BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Fees may reduce earnings. APY if interest paid at maturity
Offer: Minimum to Avoid Fees is $500.
3.50% interest rate · Effective Oct 20, 2026
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More details - Peru Federal Savings BankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000intro rateRequirements
Product: Requires $1,000.00 to open & interest is paid monthly. No minimum balance to earn APY*. Rates are subject to change at any time. Substantial penalty for early withdrawal.
Offer: Interest paid/credited monthly.
Promotional rate · 3.45% interest rate · Effective Sep 1, 2026
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More details - AmeriCU Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Rates are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
Offer: The minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date.
3.44% interest rate · Effective Oct 23, 2026
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More details - B&V CUShare CertificateCD · 48 months · $2,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: $2,000 minimum for terms from 6 months to 48 months. $10,000 minimum for 60-month certificate. Early withdrawal penalties apply. Federally insured up to $250,000 by NCUA.
Offer: $2,000 minimum for terms from 6 months to 48 months.
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More details - United Southeast Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly unless stated otherwise. Membership is established by maintaining $5 in a share/savings account with USFCU. Early withdrawal from certificate subject to penalty. Dividends can be added back to your account, transferred to your credit union account, or check mailed to you each month.
Offer: 48 Month Maturity. All deposit amounts earn the same percentage yield based on the term selected.
3.46% interest rate · Effective Oct 20, 2026
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More details - City National BankCertificate of DepositCD · 48–59 months · $500 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE: Non-Compounding. Term 48 - 59 months.
3.50% interest rate
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More details - Oklahoma Central Credit UnionCertificate AccountsCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: $1,000 minimum balance to maintain. Deposits are only allowed at time of opening and maturity. Penalty for early withdrawal. Membership conditions may apply.
Offer: Dividends compounded and paid monthly. Early withdrawal penalty applies. Automatic renewal at maturity for the same term with new available rate if no instructions given.
Effective Oct 16, 2026
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More details - Meritrust Credit Union – ColoradoShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: $500 minimum opening balance and minimum balance to earn APY. A penalty may be imposed for early withdrawal. Fees can reduce earnings. Fixed rate. Dividends compounded and credited monthly. Automatically renewable with a 10-day grace period.
3.45% interest rate · Effective Oct 1, 2026
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More details - Options Credit UnionCertificates (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
Offer: Premier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest.
Effective Oct 20, 2026
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More details - Torrington Savings BankCertificates of Deposit (CD)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: $1,000 minimum deposit to open. Terms from 3 to 60 months. Interest is compounded daily and credited monthly and may be withdrawn before maturity. Early withdrawal penalty: for terms from 3 months to 1 year, penalty is 3 months simple interest; for terms of more than one year, penalty is 6 months simple interest.
Offer: Early withdrawal penalty is 6 months simple interest.
3.44% interest rate · Compounded daily
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More details - Merchants State BankCertificates of DepositCD · 48 months · $100 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Terms from 3 months to 5 years. Interest can be compounded back into the CD or directly deposited to your Merchants State Bank checking or savings account. A penalty may be imposed for early withdrawal. Interest will be credited annually or more frequently. $100 minimum deposit required for CD terms, unless special noted.
3.44% interest rate
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More details - 3.50%APY$1,475 over 48 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
3.45% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
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More details - The Summit Federal Credit UnionShare CertificateCD · 48–120 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Product: Must be a member of The Summit FCU. Share certificate accounts automatically renew at maturity. 7-calendar-day grace period after maturity. Early withdrawal penalty applies (terms of 1 year or less: 90 days dividends; terms of more than 1 year: 180 days dividends).
Offer: Long-Term 4-10 Year. Penalty applies for early withdrawal. Additional deposits not allowed.
3.44% interest rate · Effective Oct 15, 2026
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More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Qualified rate · 3.44% interest rate · Effective Oct 16, 2026
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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
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- Synchrony BankBank