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 1321–1335 of 3,254 results
- Illiana FinancialTerm 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: Dividends are paid monthly and at maturity. Early withdrawal penalty applies.
Offer: Ask how you can get .20 additional basis point on your next certificate.
3.20% interest rate · Effective Dec 18, 2025
Rate checked
More details - Oak Cliff Christian Federal Credit UnionCertificate 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: Share/Savings account required for membership ($25 minimum balance).
3.25% interest rate · Effective Oct 8, 2025
Rate checked
More details - Climb Credit UnionShare CertificateCD · 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: Membership eligibility required. Fixed rate. Automatic renewal with 10 day grace period. Early withdrawal penalty applies (90 days dividends). Additional deposits not allowed.
3.20% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $50,000Your amount 3.25% $50,000 and up 3.35% Rate checked
More details - Tulare County Federal 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: Must maintain a balance equal to the minimum balance required to open to obtain disclosed APY and keep account open. Early withdrawal penalties apply (90 days' dividends for terms <= 12 months, 180 days' dividends for terms > 12 months). Once established, no further deposits prior to maturity date. No monthly maintenance fees.
Offer: Fixed rate. Compounded and credited monthly. Minimum to earn dividend is $1,000.
3.20% interest rate · Effective Apr 1, 2026
Rate checked
More details - 3.25%APY$1,365 over 48 months on $10,000
Requirements
Product: Available in-branch. Penalty for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance required during each monthly cycle period to earn interest/APY.
3.20% interest rate · Effective Aug 31, 2026
Rate checked
More details - Shoreham BankOnline CD AccountsCD · 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: Available only online. Penalty for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance required during each monthly cycle period to earn interest/APY.
3.20% interest rate · Effective Aug 31, 2026
Rate checked
More details - Milestones Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,363 over 48 months on $10,000Requirements
Product: $500.00 minimum balance to open. Automatically renewable. Dividends paid monthly based on average daily balance. Dividends may be added to certificate or deposited to account.
3.20% interest rate · Effective Oct 6, 2026
Rate checked
More details - Bank of Edmonson CountyCertificate of Deposit AccountCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.24%APY$1,360 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: Quarterly interest payment
3.20% interest rate · Effective Oct 5, 2026
Rate checked
More details - Federal Employees NewarkShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.24%APY$1,360 over 48 months on $10,000Requirements
Product: One thousand dollar minimum. FENFCU penalty for early withdrawal will be 25 basis points (1/4 %) per quarter or portion of a quarter on the balance in the certificate.
3.20% interest rate
Rate checked
More details - Morehead Community Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.24%APY$1,360 over 48 months on $10,000Requirements
Product: Minimum investment of $1,000.00. Monthly interest checks available. Can be used as collateral on a Shared Secure Loan.
3.20% interest rate · Effective Aug 1, 2026
Rate checked
More details - The Kansas State BankCertificates of Deposit (CD's)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.24%APY$1,360 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal may apply. Fees may reduce earnings on the account.
Offer: Penalty for early withdrawal may apply. Fees may reduce earnings on the account.
3.20% interest rate · Effective Feb 3, 2026
Rate checked
More details - Ukrainian National Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.24%APY$1,360 over 48 months on $10,000Requirements
Product: Dividends on 3-month and 6-month share certificates are accrued daily and credited at maturity. Dividends on share certificates termed 12 months or longer are accrued daily and credited quarterly. Additions not permitted until maturity. Early withdrawal penalty applies (50% of dividend that would be earned over term on amount withdrawn). Membership eligibility required.
Offer: Dividends accrued daily and credited quarterly.
3.20% interest rate · Effective Aug 11, 2026
Rate checked
More details - Bank of Edmonson CountyCertificate of Deposit AccountCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.23%APY$1,356 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: Semi-annually interest payment
3.20% interest rate · Effective Oct 5, 2026
Rate checked
More details - Wayne BankCertificate of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.23%APY$1,356 over 48 months on $10,000with conditionsRequirements
Product: Options range from 182 days to 5 years. Opening minimum is $1,000.00.
Offer: A penalty may be imposed for early withdrawal. Interest compounds semiannually.
Qualified rate · 3.20% interest rate · Effective Jun 26, 2026
Rate checked
More details - Panhandle Federal Credit UnionShare CertificatesCD · 48 months · $250 min · 3.23%–3.39% by balance
Credit union · Add a location to see nearby branches
3.23%APY$1,356 over 48 months on $10,000Effective Oct 27, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $250 – $25,000Your amount 3.23% $25,000 – $75,000 3.33% $75,000 and up 3.39% 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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