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 1291–1305 of 3,254 results
- Aloha Pacific 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 $10,000intro rateRequirements
Product: Credit union membership is required. Fixed rate for the term. Dividends are compounded and credited monthly. Early withdrawal penalties may apply if funds are withdrawn before the maturity date. Fees may reduce earnings.
Offer: $1,000.00 minimum to open and earn APY.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Farm Bureau BankCertificate of Deposit [CD]CD · 48 months · $1,000 min · 3.25%–3.35% by balance
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.20% interest rate · Compounded daily
Rate by balance
Rate by balance for Certificate of Deposit [CD] Balance APY $1,000 – $49,999Your amount 3.25% $50,000 and upJumbo CD tier. 3.35% Rate checked
More details - Vermont Federal Credit UnionTerm Share CertificateCD · 48 months · $5 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000intro rateRequirements
Product: Must be a member of Vermont Federal Credit Union ($5 share deposit in Primary Share account required for membership). Early withdrawal penalty applies. Dividends compounded monthly using the daily balance method.
Promotional rate · 3.20% interest rate · Compounded monthly · Effective Sep 17, 2026
Rate checked
More details - Together Credit UnionCertificate of Deposit (CD)CD · 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: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
3.20% interest rate · Compounded monthly
Rate checked
More details - Michigan Schools & Government Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000intro rateRequirements
Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.
Promotional rate · 3.21% interest rate
Rate checked
More details - Oklahoma's Credit UnionCertificatesCD · 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: Federally insured by NCUA. Early withdrawal penalties apply (6-12 month: up to 90 days dividends; 13-60 month: up to 180 days dividends). Certificates renew automatically at maturity with a 7-day grace period.
Effective Sep 9, 2025
Rate checked
More details - Direct Federal Credit UnionCD Share CertificatesCD · 48 months · $250 min · 3.25%–3.30% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000with conditionsRequirements
Product: APY shown assumes account is paired with an active Direct Advantage Checking; without it, APY is 0.10% lower. New money only. Monthly fee is $0. Early withdrawal penalty applies.
Offer: Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only.
Qualified rate · 3.20% interest rate · Effective Dec 20, 2025
Rate by balance
Rate by balance for CD Share Certificates Balance APY $250 – $100,000Your amount 3.25% $100,000 and up 3.30% Rate checked
More details - Northern BankCertificates of Deposit (CDs)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: A penalty will be imposed for early withdrawal. Maximum opening deposit of $250,000.00 per certificate of deposit account.
3.20% interest rate · Balance cap $250,000 · Effective Sep 21, 2026
Rate checked
More details - TruGrocer Federal Credit UnionMoney Market Share CertificateCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $10,000 with terms up to 60 months.
3.20% interest rate · Compounded monthly
Rate checked
More details - Sabattus Regional Credit UnionShare 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: Substantial penalty may be imposed for early withdrawal of principal before maturity. Automatically renews with a 7-day grace period for penalty-free withdrawals. Fixed rates.
Offer: Minimum Opening Balance/Minimum Required Balance to earn APY.
3.20% interest rate · Effective Dec 1, 2025
Rate checked
More details - Lakehurst Naval Federal Credit UnionCertificateCD · 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 are earned daily and posted quarterly.
Offer: Minimum balance of $1,000.
Rate checked
More details - L&N 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 are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.
Rate checked
More details - TVA 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: Rates quoted are best available and subject to change without notice. Early withdrawal penalties apply.
Rate checked
More details - Avadian Credit UnionCertificates of DepositCD · 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: Consumer accounts only. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Rates are subject to change at any time.
Offer: 48-Month CD. Interest paid monthly. Penalty may be imposed for early withdrawal.
Promotional rate · Effective Sep 15, 2026
Rate checked
More details - Florence Federal Credit UnionCD 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: Grace Period: 10 days with option to renew at rate as of maturity date or rate on day renewed. Share Certificates require a minimum deposit of $500.00. A penalty may be imposed for early withdrawal. Rates are subject to change at any time.
3.25% 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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