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 1231–1245 of 3,254 results
- Bank ForwardCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Opening deposit minimum $500 (or $2,500 for specials). Terms range from 3 months to 5 years. FDIC insured.
3.22% interest rate · Effective Oct 15, 2026
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More details - Cascade Community Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Membership required ($1 par value membership share must remain on deposit). Accounts do not earn dividends while maintaining a foreign address, or where primary owner must file W-8BEN, is not a US Person, or lacks valid US TIN. Substantial penalty for early withdrawal. After account is opened, additional deposits may not be made. Automatically renewable with 10-day grace period.
3.20% interest rate · Effective Oct 1, 2026
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More details - Park City Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal. Membership eligibility required.
Promotional rate · 3.21% interest rate
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More details - RaizRegular Share CertificateCD · 48 months · $5,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: No maintenance fees. Add-on deposits permitted anytime throughout its lifetime, with minimum add-on deposits as low as $10. Early withdrawal penalty may apply.
Offer: Twelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity.
3.20% interest rate · Compounded monthly · Effective Sep 17, 2026
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More details - InTouch Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,0003.20% interest rate · Effective Oct 13, 2026
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More details - Crossroads BankCertificates of Deposit (CDs)CD · 48 months · $2,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Offer: Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
3.22% interest rate · Effective Oct 9, 2026
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More details - Longview BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Interest rates on CDs are variable, and may change immediately after opening the account. The bank may impose a penalty for early withdrawal of a CD. Longview Bank reserves the right to limit deposits.
Offer: Minimum Balance to Obtain APY is $500.
3.21% interest rate · Effective Oct 15, 2026
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More details - Thinkwise Credit UnionTerm Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Rates are locked for the term of the term share. $500 minimum balance required.
Offer: Dividends compounded daily, credited quarterly.
3.20% interest rate · Compounded daily · Effective Mar 1, 2026
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More details - Sharon BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: CDs automatically renew unless requested otherwise. Early withdrawals subject to penalty. No setup or maintenance fees. Promotional accounts may require a higher opening deposit.
3.15% interest rate
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More details - Lassen Credit UnionTerm Share CertificatesCD · 48 months · $1,000 min · 3.25%–3.35% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Minimum balance required to open a regular certificate is $1,000.00. Dividend rate and APR may change at any time. APY is based on the assumption that dividends remain in the account until maturity; early withdrawal penalties may apply.
3.20% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $49,999Your amount 3.25% $50,000 – $99,999 3.30% $100,000 and up 3.35% Rate checked
More details - First Tech Federal Credit UnionTraditional Share CertificatesCD · 48 months · $500 min · 3.25%–3.50% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: No account set-up fees or maintenance fees. Fixed APY for the term. 10-day rate guarantee period.
3.20% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificates Balance APY Up to $100,000Your amount 3.25% $100,000 and upJumbo tier. 3.50% Rate checked
More details - Montgomery BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000intro rateRequirements
Product: Rates are subject to change daily. Interest is compounded quarterly. Minimum opening deposit for all Certificates of Deposit is $1,000. Early withdrawal of CD principal is subject to an interest penalty ranging from 3 months' interest to 18 months' interest based on original issue term.
Offer: CD Rate bumps do not apply to current 4 year CD special.
Promotional rate · 3.21% interest rate · Compounded quarterly
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More details - Altra Federal Credit UnionCertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.21% interest rate · Effective Oct 1, 2026
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More details - FreeStar Financial Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000with conditionsRequirements
Product: Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.
Qualified rate · 3.20% interest rate · Effective Oct 15, 2026
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More details - Mutual Savings AssociationCAP Member and Special CDsCD · 48 months · $2,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Eligibility Requirements Apply: CAP Member (Client Appreciation Program Member in good standing) OR Non-CAP Member with New Dollars (foreign funds/dollars from outside Mutual Savings). For maturing CDs, client must add 50% of maturing balance or $2,000, whichever is less (foreign funds outside Mutual Savings). Early withdrawal penalty applies.
Offer: 4 Year Certificate with Rate Protection: CAP Member or New Dollars eligibility required. If rates increase, rate can be adjusted up to current rate offered for remaining term up to twice. Rate never goes lower than initial or adjusted rate. Interest rate and APY may change after opening. Early withdrawal penalty applies.
3.21% interest rate
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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
3,254 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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