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 1141–1155 of 3,254 results
- Hoosier Hills Credit UnionCertificatesCD · 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: A minimum deposit of $500 is required to open all Certificates, excluding Save to Win. Terms range from 91 days to 60 months. Dividends calculated and paid monthly. Penalties for early withdrawal may apply.
Offer: Dividends are calculated monthly and paid monthly. Penalties for early withdrawals may apply.
3.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - Transcend Credit UnionShare Certificate AccountCD · 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: Minimum opening deposit $500. Early withdrawal penalty applies. At maturity, certificate closes and funds transfer to member's Regular Savings Account. Fixed APY from account opening until maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies; fixed rate until maturity. At maturity funds transfer to Regular Savings.
Effective Oct 1, 2026
Rate checked
More details - XCEL Federal Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000intro rateRequirements
Product: Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Choose from a wide range of terms, from 3 months to 5 years. Membership eligibility required. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates.
Offer: Dividends compounded monthly, credited monthly. Early withdrawal penalties apply.
Promotional rate · 3.25% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - First Flight Credit UnionShare CertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Minimum deposit to open account is $500 for rate tier 1 and $10,000 for rate tier 2. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in Primary Savings. Early withdrawal penalties apply.
Offer: Term: 48 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply.
3.25% interest rate
Rate checked
More details - Seattle Credit UnionCertificatesCD · 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: Minimum opening deposit of $1,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
Offer: Bump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length.
3.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - Sebasticook Valley Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000intro rateRequirements
Product: Available terms range from 3 months to 4 years (48 months). Must be eligible for credit union membership (serving Franklin, Kennebec, Penobscot, Piscataquis, Somerset, and Waldo Counties in Maine).
Promotional rate · 3.25% interest rate · Effective May 23, 2025
Rate checked
More details - American Southwest Credit UnionTerm Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000with conditionsRequirements
Product: Term Share Certificates offer terms from 6 months to 5 years (plus promotional specials). No monthly service charges. Dividends are calculated by the daily balance method, compounded and credited monthly. Penalty may apply for early withdrawal.
Offer: Non-relationship pricing.
Qualified rate · 3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 48 months · $500 min · 3.30%–3.40% by balance
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 3.30% $25,000 – $99,999 3.35% $100,000 and up 3.40% Rate checked
More details - Constitution BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Interest compounded daily. Early withdrawal penalties apply.
Offer: Interest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs.
3.25% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - PremierOne Credit UnionRegular Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Membership requires maintaining at least 1 share ($5.00 par value). 10-day grace period after maturity. Dividends calculated by average daily balance method, credited and compounded monthly. Early withdrawal penalties apply. Partial withdrawals are not allowed.
3.25% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - 3.30%APY$1,387 over 48 months on $10,000
Requirements
Product: Penalty for early withdrawal on Time Certificates. Fees may reduce earnings. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
Offer: Compounding & Crediting Frequency: semi-annually.
3.25% interest rate · Effective Oct 13, 2026
Rate checked
More details - UW Credit UnionRegular CertificateCD · 48 months · $500 min · 3.25%–3.35% by balance
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 quarterly. Substantial penalties apply for premature withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 2, 2026
Rate by balance
Rate by balance for Regular Certificate Balance APY $500 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - Co-op Credit UnionShare CertificatesCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends calculated and paid quarterly. Minimum opening deposit $100.
3.26% interest rate · Effective Oct 9, 2026
Rate checked
More details - Polish-American FCUCertificatesCD · 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: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.
Offer: Standard APY. Rates may increase .2% (APY as high as 3.50%) when a member qualifies for loyalty benefits.
Effective Oct 15, 2026
Rate checked
More details - HARVESTER FINANCIALShare CertificatesCD · 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: Minimum deposit is $500. Terms and Conditions subject to change without notice. Penalty may be imposed for early withdrawal.
3.25% 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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