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 1276–1290 of 3,254 results
- Gateway First BankCertificate of Deposit (CD)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: No monthly service fees. Deposit accounts not available in Alaska, California, Georgia, Hawaii, Illinois, Maine, Massachusetts, Montana, New Hampshire, New York, Rhode Island, Vermont. A penalty may be imposed for early withdrawal. Existing CDs automatically renewing for time periods other than those listed will earn the Interest Rate and Annual Percentage Yield for the next-lower CD Term time period.
3.20% interest rate · Effective Sep 30, 2026
Rate checked
More details - Essential 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 ($5 minimum share). Minimum opening deposit of $500 must be maintained throughout the term. Fixed rate for the term of the certificate. Dividends paid monthly or quarterly. Early withdrawal penalties apply.
Offer: Fixed rate for 48-month term. Early withdrawal penalty may apply.
3.20% interest rate · Effective Oct 5, 2026
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More details - SCU 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: Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates fixed for the term. Early withdrawal penalties apply. Insured by NCUA and MSIC.
Offer: Rates fixed for term; penalty may apply for early withdrawal.
3.20% interest rate · Effective Jul 9, 2026
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More details - Indiana Members 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: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
Offer: Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal.
3.20% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - Coastline Federal Credit UnionRegular Share CertificatesCD · 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: Penalty for early withdrawal. No setup or maintenance fees. $1,000 minimum opening deposit.
Offer: Penalty for early withdrawal.
3.20% interest rate · Effective May 29, 2026
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More details - Bank of Edmonson CountyCertificate of Deposit AccountCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Fixed or variable rate certificates available from 30 days to 5 years. Early withdrawal penalty may apply. FDIC insured.
Offer: Monthly interest payment
3.20% interest rate · Effective Oct 5, 2026
Rate checked
More details - AmFirstShare CertificatesCD · 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 to qualified members only. Federally insured up to $250,000 by NCUA. Minimum deposit of $500. Dividends paid monthly, quarterly, or at maturity. Substantial penalty for early withdrawal. Automatically renews at maturity.
Offer: FlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate.
Promotional rate · Effective Oct 4, 2026
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More details - Valley Credit UnionCertificates (CD)CD · 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 deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply.
3.21% interest rate · Effective Sep 24, 2026
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More details - Call Federal Credit UnionCertificate AccountsCD · 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: Membership required. Minimum deposit to open is $1,000.00. Minimum balance to earn stated APY is $1,000.00. Penalty may be imposed for early withdrawal. No monthly fees.
Offer: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Weld Community Credit UnionRegular Certificates 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: Maximum total CD Deposit: $500,000 per person. Penalty for early withdrawal may be imposed.
Offer: Maximum total CD Deposit: $500,000 per person.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Puget Sound Cooperative Credit UnionCertificateCD · 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: Interest is compounded and paid monthly using the daily balance method. Automatic renewal at maturity with a 10-day grace period. Early withdrawal penalties apply.
Offer: Wave Club rate. Requires an active PSCCU primary checking account (with direct deposit or regular deposits) and an active PSCCU Visa Credit Card (recent monthly activity).
Qualified rate · 3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Truliant Federal Credit UnionRegular CertificatesCD · 48 months · $250 min · 3.19%–3.35% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,0003.15% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $250 and up 3.19% $5,000 and upYour amount 3.25% $25,000 and up 3.30% $100,000 and up 3.35% Rate checked
More details - Forbright BankBranch Certificates of DepositCD · 48–59 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APYRequirements
Product: Available at branch locations. Interest calculated daily and credited quarterly. Early withdrawal penalties apply. Paper statements provided at no charge.
3.20% interest rate · Effective Oct 3, 2026
Rate checked
More details - Johns Hopkins 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: Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
3.21% interest rate · Effective Oct 1, 2026
Rate checked
More details - Maine State 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: Rates are fixed for the term of the account. Assumes dividends remain on deposit until maturity. Early withdrawal penalty may be imposed and will reduce earnings. Certificates renew at maturity with a 10-day grace period. Subject to membership eligibility. Must be opened with qualifying new money (funds not currently on deposit, or in combination with new money of $20,000+ to fund certificates in excess of $20,000).
3.20% interest rate · Effective Sep 24, 2026
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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