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 1006–1020 results
- United Poles Federal Credit UnionCertificateCD · 48 months
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,0003.40% interest rate · Effective Sep 18, 2025
Rate checked
More details - Educational Federal Credit UnionJumbo CertificateCD · 48 months
Credit union · Add a location to see nearby branches
3.45%APY$1,453 over 48 months on $10,000Requirements
Product: For members wishing to earn even higher dividends. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
Offer: Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
3.39% interest rate · Compounded daily · Effective Jul 1, 2026
Rate checked
More details - Western Sun Federal Credit UnionRegular CertificateCD · 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: Dividends are earned daily and compounded monthly. Early withdrawal penalty may result in up to 90 days loss of dividends. No account fees or application fees.
Offer: All early withdrawals may result in up to a 90 days loss of dividends.
3.40% interest rate · Compounded monthly · Effective Sep 1, 2026
Rate checked
More details - Bank of Franklin CountyCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.44%APY$1,449 over 48 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. Compounded and credited monthly for terms of 6 months or greater. Compounded and credited at maturity for terms of less than 6 months. Early withdrawal penalty may apply. APY requires $500 minimum balance to open and obtain APY ($100 for Fair CD). Rates effective as of October 22, 2026. FDIC insured up to $250,000.
Offer: 48 Month Certificate
Qualified rate · 3.39% interest rate · Effective Oct 22, 2026
Rate checked
More details - The Bank of Elk RiverCertificate of DepositCD · 48 months · $200 min
Bank · Add a location to see nearby branches
3.44%APY$1,449 over 48 months on $10,000intro rateRequirements
Product: FDIC-insured. Minimum deposit of $200 for regular CDs and $2,500 for Added Advantage CDs. Early withdrawal penalties apply. 7-day grace period after maturity date to cash CD.
Offer: Early withdrawal penalty of 365 days interest (minimum $25.00).
Promotional rate · 3.40% interest rate · Effective Oct 14, 2026
Rate checked
More details - Commerce Bank TexasCertificates of DepositCD · 48 months · $0 min
Bank · Add a location to see nearby branches
3.44%APY$1,449 over 48 months on $10,000Requirements
Product: Compounding quarterly; a penalty may be imposed for early withdrawal
3.40% interest rate · Effective Mar 12, 2026
Rate checked
More details - Citizens Community BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.44%APY$1,449 over 48 months on $10,000intro rateRequirements
Product: Initial Interest Rate Is In Effect Until First Maturity.
Offer: Quarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 3 Month Interest.
Promotional rate · 3.40% interest rate · Effective Oct 16, 2026
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More details - Freedom BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.44%APY$1,449 over 48 months on $10,000Requirements
Product: Available with terms from seven days to five years. Fixed and variable rate CDs are available. Penalty may or will be imposed for early withdrawal. Fees or other conditions could reduce earnings.
Offer: Early withdrawal penalty may apply.
3.40% interest rate · Effective Oct 5, 2026
Rate checked
More details - The Dolores State BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.44%APY$1,449 over 48 months on $10,000Requirements
Product: Quarterly compounding. Early withdrawal penalty may apply.
Offer: Quarterly compounding. No minimum balance required to earn APY. Early withdrawal penalty.
3.40% interest rate · Effective Sep 1, 2026
Rate checked
More details - APG Federal Credit UnionMember Rewards Silver CertificateCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.43%APY$1,444 over 48 months on $10,000Requirements
Product: Requires Member Rewards Silver level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Silver level
3.38% interest rate · Effective Oct 3, 2026
Rate checked
More details - Diamond Valley FCUShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.42%APY$1,440 over 48 months on $10,000Requirements
Offer: Certificate is non-renewable.
3.38% interest rate · Effective Sep 30, 2026
Rate checked
More details - Friendship State BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.41%APY$1,435 over 48 months on $10,000Requirements
Product: Fixed rate interest bearing account with 3 month to 5 year terms available. Interest may be paid or compounded. Substantial penalty for early withdrawal prior to maturity. Additional deposits before maturity are not permitted.
Offer: Interest paid monthly.
3.35% interest rate
Rate checked
More details - FRB Federal Credit UnionTerm CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.41%APY$1,435 over 48 months on $10,000Requirements
Product: Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).
Offer: Early withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Missouri Central Credit UnionShare CertificatesCD · 48 months · $500 min · 3.30%–3.41% by balance
Credit union · Add a location to see nearby branches
3.41%APY$1,433 over 48 months on $10,000Requirements
Product: Interest is paid quarterly on the average daily balance. Penalty for early withdrawal. Rates subject to change weekly. May be used as collateral for a loan.
Offer: Interest is paid quarterly. Rates are subject to change weekly. Penalty for early withdrawal will decrease the yield.
Effective Jul 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.30% $10,000 and upYour amount 3.41% Rate checked
More details - Central Wisconsin Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.40%–3.61% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,432 over 48 months on $10,000Requirements
Product: Interest/dividends are compounded and paid monthly. Early withdrawal penalty of 90 days interest applies if principal is withdrawn prior to maturity (waived for certifiable hardship or death). Can be used as collateral for a share secured loan.
3.35% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.40% $40,000 and up 3.61% 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