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 976–990 results
- NorthRidge Community Credit UnionCertificate of Deposit (CD)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.49%APY$1,471 over 48 months on $10,000Requirements
Product: Membership requires living, working, worshipping, or attending school in St. Louis, Lake, or Itasca counties, MN (or being an eligible relative). Features a 10-day grace period after maturity to renew or cash out. Early withdrawal fee is 90 days dividends for terms less than 12 months, and 180 days dividends for terms greater than 12 months.
Offer: Early withdrawal fee: 180 days dividends. 10-day grace period after maturity.
3.45% interest rate
Rate checked
More details - First State Bank of BigforkCertificates of Deposit (CDs)CD · 48 months · $500 min · 3.39%–3.60% by balance
Bank · Add a location to see nearby branches
3.49%APY$1,471 over 48 months on $10,000Requirements
Product: Fixed rates. Early withdrawals subject to penalty. Grace period of 10 calendar days after maturity. No setup or maintenance fees.
Offer: Early withdrawal penalty of 180 days interest. Grace period of 10 calendar days after maturity.
3.35% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $5,000 3.39% $5,000 – $45,000Your amount 3.49% $45,000 and up 3.60% Rate checked
More details - Texas People Federal Credit UnionStandard Share Certificate of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.49%APY$1,471 over 48 months on $10,0003.45% interest rate · Effective Apr 8, 2026
Rate checked
More details - Artesia Credit UnionShare CertificatesCD · 48 months · $5,000 min
Credit union · Add a location to see nearby branches
3.49%APY$1,471 over 48 months on $10,000Requirements
Product: Dividends are compounded daily and applied quarterly. $5,000.00 minimum deposit. Early withdrawal penalty: 90 days. Certificates which are automatically renewed will receive the rate in effect on the renewal date. Fees could reduce earnings.
Offer: Early withdrawal penalty: 90 days.
3.45% interest rate · Compounded daily · Effective Apr 1, 2025
Rate checked
More details - Virginia Credit UnionSavings CertificatesCD · 48 months · $500 min · 3.45%–3.65% by balance
Credit union · Add a location to see nearby branches
3.46%APY$1,458 over 48 months on $10,000Requirements
Product: Limited to a single, one-time deposit with a term limit of 5 years (except 6 or 12 month certificates which allow ongoing contributions/add-on deposits). Early withdrawal penalty may apply. Minimum opening deposit $500.
Offer: Compounding frequency: Quarterly. Early withdrawal penalty may apply.
3.41% interest rate
Rate by balance
Rate by balance for Savings Certificates Balance APY $500 – $5,000 3.45% $5,000 – $50,000Your amountCompounding frequency: Monthly. 3.46% $50,000 – $100,000Compounding frequency: Monthly. 3.55% $100,000 and upCompounding frequency: Monthly. 3.65% Rate checked
More details - First Service Credit UnionCertificate of DepositCD · 48 months · $1,000 min · 3.45%–3.55% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: Fixed rate. Federally insured up to $250,000. Early withdrawal penalty may apply. Fees may reduce earnings.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty may apply.
3.40% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.45% $50,000 and upJumbo tier. 3.55% Rate checked
More details - Water and Power Community Credit UnionSavings CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: WPCCU membership required. Minimum opening balance of $1,000. Compounded daily and paid quarterly. Can be used as collateral for consumer loans. Early withdrawal penalties apply. Fees could reduce earnings.
3.41% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Bristol Morgan BankCertificate of Deposits (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Payment of interest: added to principal or transferred to checking/savings.
3.39% interest rate · Effective Oct 19, 2026
Rate checked
More details - Muskogee Federal Credit UnionCertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Jun 17, 2026
Rate checked
More details - Securityplus Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: Minimum initial opening deposit of $1,000. Early withdrawal penalties may apply.
Offer: Minimum Funding Requirement: $1,000.
3.40% interest rate
Rate checked
More details - Atlantic Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.
3.40% interest rate · Effective Oct 19, 2026
Rate checked
More details - SIU Credit UnionTerm Share CertificateCD · 48–59 months · $500 min · 3.45%–3.55% by balance
Credit union · Add a location to see nearby branches
3.45%APYRequirements
Product: Membership Share dividends are declared monthly by the Board of Directors. Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Subject to maturity. Rates discounts not reflected above.
3.40% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $50,000Your amount 3.45% $50,000 and up 3.55% Rate checked
More details - Hidden River Credit UnionShare Certificates of DepositCD · 48 months · $500 min · 3.45%–3.51% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: Minimum deposit of $500 is required to open a Certificate of Deposit ($75,000 for Jumbo). Additional deposits not allowed after account is open. APY assumes principal and dividends remain on deposit until maturity. Early withdrawal penalties apply. Certificate automatically renews (7-day grace period at maturity). Dividends compounded and paid monthly.
Offer: Regular CD tier. Early withdrawal penalties apply. Automatically renews.
3.40% interest rate
Rate by balance
Rate by balance for Share Certificates of Deposit Balance APY $500 – $75,000Your amount 3.45% $75,000 and up 3.51% Rate checked
More details - The Cornerstone BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,0003.40% interest rate · Effective Oct 15, 2026
Rate checked
More details - Aurora Federal Credit UnionTerm CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: Minimum opening deposit of $500 required. Penalty may be imposed for early withdrawal.
Offer: Penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Sep 2, 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank