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 916–930 results
- Co-op 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 $10,000Requirements
Product: Interest is paid monthly. Penalty for early withdrawal. Withdrawal of interest will reduce earnings.
3.45% interest rate · Effective Sep 29, 2026
Rate checked
More details - Mid Minnesota Federal Credit UnionTraditional Term Share CertificatesCD · 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: Minimum deposit of $500. Terms vary from 3 to 48 months.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - PrimebankCertificates of DepositCD · 48 months · $1,000 min · 3.00%–3.50% by balance
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Offer: 1 Step Up
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.00% $10,000 and upYour amount 3.50% Rate checked
More details - Green Belt Bank & TrustCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. 6-month CDs: semi-annual compounding. 12–60 month CDs: annual compounding.
Offer: Annual compounding. Penalty for early withdrawal.
Rate checked
More details - Best Financial 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 $10,000Requirements
Product: No setup or service fees. Early withdrawal subject to penalty.
Offer: Early withdrawal penalty: 180 days interest.
3.45% interest rate
Rate checked
More details - Route 31Certificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000with conditionsRequirements
Product: Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
Offer: Standard rate.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - Heartland Credit UnionCertificateCD · 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: Certificates rates are fixed for the term when the account is opened. Early withdrawal penalties may apply. Fees may reduce earnings.
Promotional rate · 3.46% interest rate · Effective Oct 4, 2026
Rate checked
More details - Union State BankCertificates of Deposit (CDs)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. Penalty for early withdrawal. Fees may reduce earnings.
3.46% interest rate · Effective Sep 25, 2026
Rate checked
More details - Home Bank & Trust CompanyCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Interest compounding and payment frequency of interest varies depending on the product type.
Rate checked
More details - Orion FinancialShare Certificates (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Primary owner must be in the field of membership of Orion Financial and maintain one share in Primary Share Account. Minimum $500 required to open and earn advertised APY. Early withdrawal fees/penalties apply.
3.45% interest rate · Effective Sep 28, 2026
Rate checked
More details - Oklahoma Capital BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,0003.45% interest rate · Effective Sep 25, 2026
Rate checked
More details - The Village 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: Deposits are FDIC insured and balances over FDIC limits are covered by DIF. A penalty may be assessed for early withdrawals.
Offer: Quoted yield assumes account will be rolled over and funds remain on deposit for one year.
3.45% interest rate · Effective Sep 30, 2026
Rate checked
More details - Firefighters 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: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal.
3.50% interest rate · Effective Apr 1, 2026
Rate checked
More details - First Trust Credit UnionShare Certificates (CDs)CD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Effective Oct 5, 2026
Rate checked
More details - Velocity Community Credit UnionMember CertificateCD · 48 months · $5,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Certificate rates remain fixed for the term of the certificate. Fees or other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
3.44% interest rate · Effective Oct 1, 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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank