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 1306–1320 of 3,254 results
- On The Grid FinancialFixed Rate Share Certificate AccountCD · 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 compounded and credited quarterly. Stated terms range from six months to five years with no monthly fees. Federally insured by NCUA.
Offer: Dividends compounded and credited quarterly. Minimum opening deposit and minimum balance to earn APY is $1,000.00.
3.20% interest rate · Effective Sep 16, 2026
Rate checked
More details - Georgia United 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 $10,000Requirements
Product: Earn more than traditional savings with no monthly maintenance fees. Membership and eligibility requirements apply, requiring a $5 one-time nonrefundable membership fee and a minimum initial deposit of $5.
3.20% interest rate
Rate checked
More details - Insight Credit UnionRegular 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: Early withdrawal penalty applies. Dividends paid at the end of each month. Fees may reduce earnings. Rates may change without notice.
Effective Mar 2, 2026
Rate checked
More details - VyStar Credit UnionPersonal CDCD · 48 months · $500 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: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.20% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 3.25% $50,000 and up 3.35% Rate checked
More details - Ouachita Valley FCUCertificate of Deposits (CDs)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: Interest paid monthly on all certificates except in the event of a special certificate promotion. Early withdrawals from a CD may be subject to a penalty. Fees may reduce earnings.
3.20% interest rate · Effective Jan 6, 2026
Rate checked
More details - White Eagle Credit UnionTerm Share AccountsCD · 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 ($25 deposit to purchase membership share; open to residents of Butler County, Harvey County, and adjacent counties). Early withdrawal penalties apply.
3.20% interest rate · Effective Mar 2, 2026
Rate checked
More details - HarborLight 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: Fixed rates, higher than regular savings. Dividends are compounded and paid monthly. No setup or maintenance charges. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
3.20% interest rate
Rate checked
More details - Public Service 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 $10,000intro rateRequirements
Product: Membership eligibility required, which requires a minimum balance of $25 in a Public Service Credit Union Shares Account. Early withdrawal penalties apply.
Promotional rate · 3.20% interest rate · Effective Jun 8, 2026
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More details - Winnebago Community Credit UnionShare 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: Membership eligibility required. NCUA insured. Constant dollar amount invested; no deposits or withdrawals allowed. Early withdrawal penalty applies. Certificate dividends compound monthly. APY assumes dividends remain until maturity.
Offer: Constant dollar amount invested; no deposits or withdrawals allowed. Penalty for early withdrawal. Dividends compound monthly.
3.20% interest rate · Effective Apr 25, 2025
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More details - Tomah Area Credit UnionShare CertificatesCD · 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: Certificate penalty for early withdrawals applies; during the first three months all dividends are forfeited.
3.21% interest rate
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More details - Members Community Credit UnionCertificate of Deposit / Share 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: Minimum deposit is $1,000; for minor primary owners it's $250. Automatic renewal. Early withdrawal fee applies.
Offer: Automatic renewal; minimum deposit is $250 for minor primary owners.
3.21% interest rate
Rate checked
More details - Peoples 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 $10,0003.21% interest rate · Effective Jul 13, 2026
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More details - Champion Credit UnionTerm Share Certificate AccountsCD · 48 months
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Transaction limitations apply. Rates are fixed at the time the certificate is purchased. Dividends are added monthly, or members may request dividends added to regular share account or sent by check. Certificates automatically renew at current rate for same term.
3.20% interest rate · Effective Feb 5, 2024
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More details - People First Federal 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: Minimum opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.
Offer: Penalty for early withdrawal.
3.20% interest rate · Effective Aug 5, 2026
Rate checked
More details - West Branch Valley Federal 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: Minimum deposit $500. Add 10BP over $25,000.00. Rates may change without prior notice.
Offer: Add 10BP over $25,000.00.
3.20% interest rate · Effective Apr 28, 2025
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
3,254 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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