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 106–120 results
- UniWyo Credit UnionShare CertificateCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
4.23% interest rate · Effective Oct 15, 2026
Rate checked
More details - USC Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
Offer: Minimum opening deposit $1,000. Early withdrawal penalties apply.
4.22% interest rate · Effective Oct 17, 2026
Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 48 months · $500 min · 4.30%–4.35% by balance
Credit union · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate by balance
Rate by balance for Regular Certificate of Deposit Balance APY Up to $100,000Your amount 4.30% $100,000 and upFor balances > $100K. 4.35% Rate checked
More details - Stanford Federal Credit UnionCertificatesCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Premium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus).
Qualified rate · 4.22% interest rate · Effective Sep 18, 2026
Rate checked
More details - Mid-America BankCertificate of Deposit (CD)CD · 48 months · $500 min · 4.30%–4.55% by balance
Bank · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: Tiered rates; special/jumbo rate available for certificate balances $250,000 & above when additional qualifications are met.
Offer: Standard rate; 48 Month CD
4.25% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY Any balanceYour amount 4.30% $250,000 and up 4.55% Rate checked
More details - Superior National BankCertificate of Deposit (CD)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: $500 minimum deposit. Annual Percentage Yield (APY) is compounded quarterly (except 182-day CD). A penalty may be imposed for early withdrawal. Accounts closed within the first 90 days are subject to a $25 service charge.
Offer: APY is compounded quarterly. A penalty may be imposed for early withdrawal.
Compounded quarterly · Effective Oct 13, 2026
Rate checked
More details - CorTrust BankCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.
Offer: Compounded and paid quarterly. Early withdrawal penalty: 180 days interest penalty. Rates variable and subject to change.
4.23% interest rate
Rate checked
More details - CU Hawaii Federal Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: Fixed rates for predictable returns. Early withdrawals subject to penalty. No setup or maintenance fees. Maximum deposit $1,000,000 in aggregate per Taxpayer Identification Number.
4.30% interest rate · Effective Oct 3, 2026
Rate checked
More details - Citizens Bank & Trust CompanyCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: Accounts cannot be opened online or over the phone; must visit a branch location to open an account. Early withdrawal penalties and fees may reduce earnings.
4.30% interest rate · Effective Sep 17, 2026
Rate checked
More details - Chiphone Federal Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$1,834 over 48 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.21% interest rate · Compounded daily · Effective Sep 24, 2024
Rate checked
More details - ARC Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.28%APY$1,826 over 48 months on $10,000Requirements
Product: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
Offer: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
4.20% interest rate
Rate checked
More details - Gratiot Community Credit UnionTimed CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.28%APY$1,825 over 48 months on $10,0004.20% interest rate · Effective Oct 7, 2026
Rate checked
More details - Capstone Federal Credit UnionCertificatesCD · 48 months · $1,000 min · 4.28%–4.49% by balance
Credit union · Add a location to see nearby branches
4.28%APY$1,825 over 48 months on $10,000Requirements
Product: Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
Offer: Standard tier for balances up to $75,000.
4.20% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $75,000Your amount 4.28% Over $75,000 4.49% Rate checked
More details - MY CREDIT UNIONShare CertificatesCD · 48 months · $500 min · 4.23%–4.33% by balance
Credit union · Add a location to see nearby branches
4.28%APY$1,825 over 48 months on $10,000Requirements
Product: Must maintain $5 in Membership Share Account for credit union membership eligibility. Dividends paid quarterly. Early withdrawal penalty may apply.
4.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 4.23% $10,000 and upYour amount 4.28% $25,000 and up 4.33% Rate checked
More details - Greenfield Savings BankTraditional Certificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.28%APY$1,825 over 48 months on $10,000Requirements
Product: Available with a Passbook or Statement Account. Open at any branch. Early withdrawal penalties may be imposed.
Offer: 48 Month CD. Minimum balance to obtain APY is based on daily balance.
4.20% interest rate
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
3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 3.98%
- 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
- Synchrony BankBank