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 1126–1140 of 3,254 results
- Erie Community FCUShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.34%APY$1,404 over 48 months on $10,0003.30% interest rate · Effective Oct 5, 2026
Rate checked
More details - Citizens Bank MinnesotaCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.34%APY$1,404 over 48 months on $10,000Requirements
Product: $500 minimum deposit/balance required. After certificate is issued, no additional deposits are allowed. Compounded quarterly. Early withdrawal penalty is 12 months loss of interest. Basis 365 days.
Offer: Compounded quarterly.
3.30% interest rate · Compounded quarterly · Effective Sep 30, 2026
Rate checked
More details - First Citizens BankCD (Certificate of Deposit)CD · 48 months · $1,000 min · 3.24%–3.55% by balance
Bank · Add a location to see nearby branches
3.34%APY$1,404 over 48 months on $10,000Requirements
Product: Minimum of $1,000 to open. Terms ranging from 6 to 60 months. Tiered interest rates. Interest begins to accrue on the business day of non-cash deposits. Daily balance method applies a daily periodic rate to principal each day. Early withdrawal penalties apply (90 days interest for 6 & 12 months, 180 days for 18 & 24 months, 365 days for 36, 48 & 60 months).
Offer: Interest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest.
3.20% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD (Certificate of Deposit) Balance APY $1,000 – $5,000 3.24% $5,000 – $25,000Your amount 3.34% $25,000 – $50,000 3.44% $50,000 and up 3.55% Rate checked
More details - Four Seasons Federal Credit UnionStandard CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.34%APY$1,404 over 48 months on $10,000Requirements
Product: Member eligibility required to join. Share Certificate accounts subject to early withdrawal penalties. Fees could reduce earnings on the account.
Offer: Minimum balance to open and earn dividends is $500.
3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - Old Exchange National BankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.33%APY$1,400 over 48 months on $10,000intro rateRequirements
Product: Interest rate is fixed for the selected term. Interest may be credited to the CD, another deposit account, or paid by check. Substantial penalty for early withdrawal; penalty applies only to the portion of principal withdrawn. 10 calendar-day grace period after maturity to withdraw without penalty; otherwise the CD automatically renews. Redeeming during the grace period pays no interest from maturity to redemption.
Offer: 48 Month term. Minimum balance $1,000 to obtain APY. Substantial penalty for early withdrawal. Rates effective October 20, 2026 to October 26, 2026.
Promotional rate · 3.30% interest rate · Effective Oct 20, 2026
Rate checked
More details - Greater Iowa Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.33%APY$1,400 over 48 months on $10,000Requirements
Product: Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
3.28% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - NAE FCUShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.33%APY$1,400 over 48 months on $10,000with conditionsRequirements
Offer: Preferred Relationship
Qualified rate · 3.28% interest rate · Effective Aug 25, 2026
Rate checked
More details - Bank of DeerfieldCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.32%APY$1,396 over 48 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates as of September 18, 2026.
3.29% interest rate · Effective Sep 18, 2026
Rate checked
More details - Beacon Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.31%APY$1,391 over 48 months on $10,000Requirements
Product: $5 membership share required. Fixed rate for the term. Open with as little as $500; terms from 12 months to five years. Dividends compounded monthly.
Offer: No monthly maintenance fees. No up-front fees.
3.26% interest rate · Compounded monthly
Rate checked
More details - Infuze Credit UnionShare CertificatesCD · 48 months · $500 min · 3.26%–3.36% by balance
Credit union · Add a location to see nearby branches
3.31%APY$1,391 over 48 months on $10,000Requirements
Product: Personal accounts only. Minimum opening balance to earn APY is $500 for standard share certificates. Early withdrawal penalties apply. Rates not available on IRA certificates. Automatically renews at maturity with a 10-day grace period. Membership required.
3.21% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $9,999 3.26% $10,000 – $24,999Your amount 3.31% $25,000 and up 3.36% Rate checked
More details - First Federal Savings BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.31%APY$1,391 over 48 months on $10,000intro rateRequirements
Product: Rates subject to change without notice. A penalty will be imposed for early withdrawal.
Offer: 4 Year special. Minimum balance to open and earn APY is $500. Penalty for early withdrawal.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Jeep Country Federal Credit UnionShare Certificate AccountsCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Share certificates have fixed rates for fixed terms and incur a penalty for early withdrawal. Dividends cannot be paid in excess of earnings.
Offer: Share certificates have fixed rates for fixed terms and incur a penalty for early withdrawal.
3.26% interest rate · Effective Oct 23, 2026
Rate checked
More details - DoverPhila Federal Credit UnionCertificate AccountsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club accounts). Automatic renewal at maturity. Early withdrawal penalty / dividend forfeiture applies for principal monies withdrawn prior to maturity. No setup or maintenance fees.
Offer: Fixed rate for 48 months. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club members). Dividend forfeiture for principal withdrawn prior to maturity.
3.25% interest rate · Compounded daily · Effective Oct 21, 2026
Rate checked
More details - DoverPhila Federal Credit UnionCertificate ESACD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: $500 minimum balance. Lock in a rate for a specific term. Same terms/conditions apply as with certificate accounts. Dividends are compounded daily and paid monthly. No custodial fees. Dividend forfeiture for principal monies withdrawn prior to maturity.
Offer: Fixed rate for 48 months. $500 minimum balance. Dividend forfeiture for principal monies withdrawn prior to maturity. No custodial fees.
3.25% interest rate · Compounded daily · Effective Oct 21, 2026
Rate checked
More details - My Pensacola Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000intro rateRequirements
Product: Membership eligibility required. Early withdrawal penalty applies. Minimum deposit balance to open a share certificate is $1,000. No service fees.
Offer: Matures at current rate for the same term. Early withdrawal penalty applies.
Promotional rate · 3.26% interest rate · Effective Oct 1, 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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