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 901–915 results
- First Atlantic Federal Credit UnionCertificates of Deposit (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000intro rateRequirements
Product: Early withdrawal penalties may apply. Fees could reduce earnings. $500 minimum balance required to earn dividends. Terms range from 3 months to 5 years. Compounded and paid monthly. Rollover with grace period available at maturity.
Promotional rate · 3.45% interest rate · Effective Oct 15, 2026
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More details - Parke BankCertificates 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: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
3.44% interest rate · Effective Oct 12, 2026
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More details - Labor Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000intro rateRequirements
Product: Dividend payment postings for Share Certificates are paid on the last day of each quarter. Transaction grace period of 10 days from renewal date. Early withdrawal penalty may be imposed.
Promotional rate · 3.45% interest rate
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More details - Aurora Federal Credit UnionJumbo CertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Minimum opening deposit / balance of $10,000 required. Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.45% interest rate · Effective Sep 2, 2026
Rate checked
More details - NorState Federal Credit UnionShare Certificate AccountCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,0003.45% interest rate · Effective Oct 13, 2026
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More details - Meijer Credit UnionCertificate of DepositCD · 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: Earn higher dividends than regular share savings. Terms available from 6 to 60 months. Automatic renewal at maturity. Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Annual Percentage Yield for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Early withdraw penalties may apply, and may reduce earning.
3.45% interest rate · Effective Oct 7, 2026
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More details - Prestige Community CUCertificateCD · 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: Minimum amount to open is $1,000.00. Interest is accrued daily and posted monthly. Early withdrawal penalties apply.
Offer: Early withdrawal penalty on a 48 month certificate is $300.00 or 365 days of dividends earned or not, whichever is greater.
3.45% interest rate · Effective Oct 6, 2026
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More details - Rave FinancialShare 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: Dividends paid monthly. Account dividends are earned on the daily balance. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice.
Offer: Dividends paid monthly.
3.45% interest rate · Effective Oct 6, 2026
Rate checked
More details - United Heritage Credit UnionCertificate of Deposit (CD)CD · 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/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.
Offer: Dividends paid and compounded quarterly.
3.45% interest rate · Compounded quarterly · Effective Oct 6, 2026
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More details - Beacon Federal Credit UnionCertificateCD · 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: Compounding monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Early withdrawal penalty applies. Minimum balance for kids/Youth Certificates is $500.00. Jumbo Certificates: $90,000 minimum; rates vary.
3.45% interest rate · Effective Oct 6, 2026
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More details - Wellby FinancialWellby CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000with conditionsRequirements
Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
Offer: Standard rate. Fixed rate until maturity. Early withdrawal penalty of 365 days dividends.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
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More details - Media City Credit UnionCertificateCD · 48 months
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Membership eligibility required: Residents and/or those employed in the City of Burbank, spouses, family members, household members of an existing member, or members of ChangeWorks! Foundation ($25 donation).
Effective Oct 6, 2026
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More details - Ventura County Credit UnionFixed Rate 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: Personal and Business certificates. Minimum opening deposit is $1,000. Early withdrawal penalty applies. Dividends posted monthly on anniversary date and at maturity.
3.45% interest rate · Effective Oct 1, 2026
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More details - TruPartner Credit UnionShare 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: Minimum investment is $500. Rates available for Regular, TruBenefits, and TruAdvantage membership tiers. Early withdrawal penalty applies.
Offer: TruAdvantage APY membership tier
Effective Sep 1, 2026
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More details - Associated Healthcare Credit UnionCertificates of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 3.45% interest rate · Effective Oct 1, 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
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank