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 1246–1260 of 3,254 results
- Family First Credit UnionSave to Win CDCD · 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: Save to Win program; $25 deposit into Save to Win account for prize drawings. Rates are APY.
Effective Oct 15, 2026
Rate checked
More details - Citizens Savings BankCertificates of DepositCD · 48 months · $2,500 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Early withdrawal penalty applies. Daily balance required for rate qualification.
Offer: One rate bump opportunity; rate may change after opening. Early withdrawal penalty applies. Minimum opening deposit $2500.
3.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - US Employees Federal 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 $10,000Requirements
Product: Dividends compounded and paid monthly directly into certificate balance. Low minimum openings. Early withdrawal penalty applies based on term. NCUA insured.
Offer: Dividends compounded monthly. Early withdrawal penalty: 360 days of dividends.
Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - First Bank RichmondFixed Rate Certificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,0003.20% interest rate
Rate checked
More details - KEMBA Indianapolis Credit UnionInvestment 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: Certificates require a $500 minimum deposit. Early withdrawal penalty calculation for Investment Certificates is substantially higher than regular certificate penalty calculation.
3.20% interest rate · Effective Aug 17, 2026
Rate checked
More details - Newburyport 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: Substantial penalty for early withdrawal. Fees may reduce earnings.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - Pentucket 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: Substantial penalty for early withdrawal. Fees could reduce earnings.
Offer: Substantial penalty for early withdrawal. Fees could reduce earnings.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - St. Mary's Credit UnionRelationship CertificatesCD · 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: Must maintain all requirements of the Relationship Checking account to obtain preferred Relationship Certificate rates. St. Mary's Credit Union membership eligibility required. Subject to early withdrawal penalties. Renews automatically upon maturity. Deposits cannot be made during the term of the account.
Offer: Requires maintaining all requirements of Relationship Checking account. Includes 0.25% premium to APY.
Qualified rate · 3.15% interest rate
Rate checked
More details - Liberty Savings Federal Credit UnionCertificate of DepositsCD · 48 months · $500 min · 3.15%–3.25% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Bonus dividend of an additional 0.10% on any single certificate of 2 years or more with a balance of $50,000 or more.
Offer: Minimum deposit $500. Bonus dividend of an additional 0.10% for balance of $50,000 or more. Penalty for early withdrawal.
3.11% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificate of Deposits Balance APY $500 and up 3.15% $5,000 and upYour amountMinimum deposit $5,000 combined. 3.25% Rate checked
More details - HAPO Community Credit UnionCertificate AccountCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: CDs opened online have 30 days to fund the certificate in order to earn the posted CD rate. Dividends are compounded and credited quarterly and at maturity. Minimum opening balance is $100.
Offer: Early withdrawal penalty is 270 days dividends.
3.21% interest rate
Rate checked
More details - Metropolitan District Employees 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 $10,000Requirements
Product: The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. There will be a 10 day period to add or withdrawal from the certificate without penalty. Early withdrawal penalty is half the term of interest.
3.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - Rivermark Community 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 $10,000Requirements
Product: Minimum balance to open is $500. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. Additional funds cannot be added on promotional certificates.
Offer: 48-Month Certificate term.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - Purdue Federal Credit UnionFixed-Rate Share 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 eligibility required. Subject to approval. $5 deposit in Member Ownership Share required.
Offer: Diamond Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
3.20% interest rate · Compounded daily
Rate checked
More details - Abound Credit UnionCertificate AccountCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000intro rateRequirements
Product: Available for both consumer and business accounts. Subject to a non-refundable $10 membership fee if not already a member. Minimum opening deposit $500.00. Dividends calculated using the Average Daily Balance Method, paid and compounded monthly. Early withdrawal penalties apply (90 days dividends for 3-24 months, 180 days dividends for 25-48 months, 365 days dividends for 59 months).
Offer: Automatically renews with a 48-month term. Early withdrawal penalty is 180 days dividends.
Promotional rate · 3.20% interest rate · Compounded monthly · Effective Oct 8, 2026
Rate checked
More details - Texasgulf Federal 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: Dividends are paid monthly. Automatically renews at maturity. Penalty for early withdrawal.
3.20% interest rate
Rate checked
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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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