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 1066–1080 of 3,253 results
- NSPIRE FCUCertificates of DepositCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000with conditionsRequirements
Product: Early Withdrawal Penalties Apply for all Certificate of Deposits. Dividends are paid monthly using the simple interest method (does not compound).
Qualified rate · 3.40% interest rate · Effective Jul 16, 2026
Rate checked
More details - BP Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000intro rateRequirements
Product: Dividend rates are fixed for the initial term; early withdrawal penalties apply.
Offer: Minimum opening deposit $1,000.
3.35% interest rate · Effective Apr 17, 2026
Rate checked
More details - BP Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000intro rateRequirements
Product: Dividend rates are fixed for the initial term; early withdrawal penalties apply.
Offer: Minimum opening deposit $1,000. Rates effective as of 06/18/2025.
3.35% interest rate · Effective Jun 18, 2025
Rate checked
More details - First Southwest BankCertificate of Deposit (CD)CD · 48 months · $1,000 min · 3.40%–3.50% by balance
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Fixed interest rates. Early withdrawal penalties may apply. Interest is compounded monthly and paid monthly.
Offer: Standard tier
3.35% interest rate · Compounded monthly · Effective Feb 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $250,000Your amount 3.40% $250,000 and upJumbo tier 3.50% Rate checked
More details - Glendale Area Schools Credit UnionCertificate AccountsCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000intro rateRequirements
Product: Must be a member of Glendale Area Schools Credit Union and maintain an active Share Savings Account or UTMA Account. A minimum deposit of $1,000 is required to open. Early withdrawal penalties apply.
Offer: Early withdrawal penalty of 180 days interest.
Promotional rate · 3.35% interest rate
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More details - Southland Credit UnionTerm Share 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: Yields based on certificates held to maturity. Dividends paid monthly. Penalty for early withdrawal on all Term Share Certificates. Can be used to secure a Certificate Secured Loan.
3.35% interest rate · Effective Apr 27, 2026
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More details - Holyoke Community Federal Credit UnionCDsCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.39%APY$1,427 over 48 months on $10,000Requirements
Product: Rates are effective October 1, 2026.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - TBA Credit UnionCertificate of Deposit (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.39%APY$1,427 over 48 months on $10,000Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
3.35% interest rate · Effective Apr 22, 2026
Rate checked
More details - CommonWealth OneShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.39%APY$1,427 over 48 months on $10,000Requirements
Product: Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Automatically renews at maturity with a 7-day grace period. Additional deposits not permitted except for the 15-month term.
3.35% interest rate
Rate checked
More details - Advanz Credit UnionTerm CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.39%APY$1,427 over 48 months on $10,000intro rateRequirements
Product: $500 minimum. Terms range from 6 to 60 months. Contact Main Office for information regarding special rates or investment terms for single investments of $100,000 and greater (including aggregate or recent aggregate deposit of $100,000). Dividends on 6 month Certificates are paid and compounded semiannual at maturity; all other Certificates are paid and compounded quarterly. Automatic renewals.
Offer: Dividends paid and compounded quarterly.
Promotional rate · 3.35% interest rate · Compounded quarterly · Effective Jul 1, 2025
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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
3.39%APY$1,427 over 48 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Quarterly compounding/payment available on deposits over $5,000.00.
3.35% interest rate · Effective Sep 16, 2026
Rate checked
More details - Reliance State BankCertificates of DepositCD · 48 months · $2,500 min · 3.28%–3.53% by balance
Bank · Add a location to see nearby branches
3.38%APY$1,422 over 48 months on $10,0003.25% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $2,500 and up 3.28% $10,000 and upYour amount 3.38% $25,000 and up 3.53% Rate checked
More details - Bradford National BankCompounding Certificate / Certificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.37%APY$1,418 over 48 months on $10,000Requirements
Product: Fixed rate certificate of deposit. Substantial penalty for early withdrawal.
Offer: Semiannual compounding/payment.
3.35% interest rate · Effective Sep 16, 2026
Rate checked
More details - The Police Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.36%APY$1,411 over 48 months on $10,000intro rateRequirements
Product: Membership required. Dividends must remain on deposit until maturity to earn stated APY. Additional deposits or withdrawals are not permitted until maturity.
Promotional rate · 3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - First PREMIER BankCertificates of DepositCD · 36–48 months · $500 min
Bank · Add a location to see nearby branches
3.35%APYRequirements
Offer: Must have a Reward Checking Account to be eligible for these rates. A penalty may be imposed for early withdrawal.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
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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
3,253 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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