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 1051–1065 of 3,253 results
- First PREMIER BankCertificates of DepositCD · 48–60 months · $500 min
Bank · Add a location to see nearby branches
3.40%APYRequirements
Offer: Must have a Reward Checking Account to be eligible for these rates. A penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Peake Federal Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,0003.35% interest rate
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More details - Iron Workers BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Early withdrawal penalty applies. Rates subject to change without notice.
Effective Sep 16, 2026
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More details - First County FCUCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Minimum balance of $500. Rates subject to change without notice.
3.35% interest rate
Rate checked
More details - Beginnings Credit UnionCertificatesCD · 48 months · $500 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.
Offer: Compounded monthly. Penalty for early withdrawal.
Compounded monthly · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.40% $25,000 and up 3.50% $100,000 and up 3.60% Rate checked
More details - Yampa Valley BankTime CertificatesCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,0003.34% interest rate
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More details - Casco Federal Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Dividends compound and credit monthly. Fixed rate. Automatic renewal. Additional deposits not allowed after opening. Penalty for early withdrawal is 365 days of dividends. Average daily balance method used.
3.35% interest rate · Effective Apr 8, 2026
Rate checked
More details - Marine Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.40%–3.45% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Dividends compound and credit monthly using the Average Daily Balance method. Penalties may apply for early withdrawals. Accrued dividends will not be paid if account is closed before the end of the dividend period.
Offer: Automatic renewal.
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.40% $100,000 and upJumbo certificate tier. 3.45% Rate checked
More details - Old Dominion National BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Interest accrues daily and credited in accordance with product statement cycle. Early withdrawal penalties apply. Fees may reduce earnings.
3.36% interest rate · Effective Sep 17, 2026
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More details - Louisville Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Minimum deposit: $1,000. Interest compounded & paid quarterly. Transfer any amount $1,000 or over from your Shares to a CD. Rates subject to change without notice.
Effective Jul 1, 2026
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More details - Educational Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Withdrawals from certificates may be subject to an early withdrawal penalty. Minimum deposit of $1,000 to open. No monthly or annual service fees.
Offer: Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
3.34% interest rate · Compounded daily · Effective Jul 1, 2026
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More details - Farmers State BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000intro rateRequirements
Product: A $500.00 minimum balance is required to open. CD interest is calculated on the daily balance method. APY is based on semi-annual compounding except terms of 91 days or less. Early withdrawal penalty may be imposed. Single maturity certificates draw no interest after maturity. New customer CDs require visiting the bank in person.
Promotional rate · 3.37% interest rate · Effective Aug 11, 2026
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More details - COPFCUSavings CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: $1,000 minimum to open. Terms range from 3 months to 5 years. Fixed rate guaranteed for the selected term. Penalties apply for early closure or withdrawal.
3.35% interest rate · Effective Sep 1, 2026
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More details - Scott Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 2026
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More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Monthly compounding/payment available on deposits over $10,000.00.
3.35% interest rate · Effective Sep 16, 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
3,253 CDs at 2,918 banks and credit unions · checked Oct 22–25
- 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
- Popular DirectBank
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