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 1096–1110 of 3,254 results
- Baptist Health South Florida FCUShare CertificatesCD · 48 months · $500 min · 3.35%–3.55% by balance
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Dividends are paid monthly. APY assumes interest remains until maturity. Early withdrawal penalty applies and may reduce earnings. Rates are subject to change anytime without notice. Membership required.
3.30% interest rate · Effective Feb 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $24,999Your amount 3.35% $25,000 – $49,999 3.45% $50,000 and up 3.55% Rate checked
More details - EFCUShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Membership eligibility required. Dividends are compounded daily and credited monthly. APY and Dividend Rates are fixed until maturity after issuance. Early withdrawal penalties apply (90 days interest for terms 12 months or less, 180 days interest for terms greater than 12 months).
3.30% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Affidian Credit UnionShare CertificatesCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Rates effective as of March 1st, 2026. Fees may reduce earnings. May have a penalty for early withdrawal. Terms ranging from 6 months to 5 years.
Offer: Minimum balance $100 to pay dividends.
3.30% interest rate · Effective Mar 1, 2026
Rate checked
More details - Treasury Department FCUCertificate AccountsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: A Share Savings Account is required to be a member of TDFCU. Compounded daily and credited monthly. Penalty imposed for early withdrawal before maturity.
Offer: Compounded daily, credited monthly. Early withdrawal penalty applies.
3.30% interest rate · Compounded daily · Effective Oct 1, 2025
Rate checked
More details - Valley Oak Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Fixed Rate. Penalty imposed for withdrawal prior to maturity.
3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - TruPartner Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Minimum investment is $500. Rates available for Regular, TruBenefits, and TruAdvantage membership tiers. Early withdrawal penalty applies.
Offer: TruBenefits APY membership tier
Effective Sep 1, 2026
Rate checked
More details - Silex Banking CompanyCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: $1,000.00 minimum deposit required. No early withdrawal is allowed. All interest rates are subject to change without notice. Interest may be paid by reinvestment, check, or automatic transfer to a deposit account at the bank. Interest can be paid monthly, quarterly, semi-annually, or annually.
3.30% interest rate
Rate checked
More details - Simplicity Credit UnionShare CertificatesCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000intro rateRequirements
Product: Member eligibility required. Substantial early withdrawal penalties apply (equal to 180 days' interest on the amount withdrawn). Automatic renewal at the current rate with a ten-day grace period at maturity.
Offer: Dividend paid quarterly.
Promotional rate · 3.31% interest rate
Rate checked
More details - Campus FederalCertificate AccountsCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Certificate accounts are subject to substantial penalty for early withdrawal. Early withdrawal may affect APY. If minimum balance is not kept, service charges may affect APY. Fees could reduce earnings.
Offer: Dividends credited quarterly.
3.31% interest rate · Effective Oct 2, 2026
Rate checked
More details - Chadron Federal Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account.
Offer: $500 Adult / $100 Youth opening balance requirement
3.30% interest rate · Effective Oct 4, 2026
Rate checked
More details - Elkhorn Valley BankCertificate of Deposit (CD)CD · 48 months · $0 min
Bank · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: No minimum balance is required to open an account unless noted with an asterisk (*). A penalty may be imposed for early withdrawal.
3.31% interest rate
Rate checked
More details - Baylands Family Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Offer: Dividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty.
3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - SunWest Educational Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Dividends credited monthly. Based on the assumption that dividends/interest will remain on deposit until maturity. Certificate accounts do not allow for additional deposits or withdrawals. Early withdrawal penalties apply and may reduce earnings and principal.
Offer: Dividends credited monthly.
3.30% interest rate · Effective Apr 1, 2026
Rate checked
More details - RTP Federal Credit UnionCertificate AccountsCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Interest is compounded daily and posted monthly. Automatically renewed at prevailing rate at maturity unless instructed otherwise. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties may apply for early withdrawal.
3.30% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Georgetown Kraft Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Dividends are compounded and paid monthly. Early withdrawal penalties may apply. Minimum balance of $500 required for dividend earnings. Can be used as collateral for a loan.
3.30% interest rate · Effective Sep 21, 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 2,919 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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