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Best 4-year CD rates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

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Top CD rates

Showing 121–135 results

  1. Top Carrot, Carrot Score 89
    FedFinancial Credit UnionShare CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.27%APY$1,821 over 48 months on $10,000
  2. TLC Community Credit UnionRegular CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.27%APY$1,821 over 48 months on $10,000with conditions
  3. Top Carrot, Carrot Score 88
    San Juan Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.27%APY$1,819 over 48 months on $10,000
  4. Top Carrot, Carrot Score 88
    San Juan Credit UnionGrowth CertificateCD · 48 months · $10 min

    Credit union · Add a location to see nearby branches

    4.27%APY$1,819 over 48 months on $10,000
  5. Arbuckle Federal Credit UnionShare Certificates ($1,000 – $99,999)CD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.26%APY$1,816 over 48 months on $10,000
  6. Advancial Federal Credit UnionSavings CertificatesCD · 48 months · $1,000 min · 4.26%–4.47% by balance

    Credit union · Add a location to see nearby branches

    4.26%APY$1,816 over 48 months on $10,000
  7. MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.25%APYintro rate
  8. Top Carrot, Carrot Score 89
    Horizon Credit UnionCertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.25%APY$1,811 over 48 months on $10,000
  9. Top Carrot, Carrot Score 89
    Canyon View Credit UnionRegular Bump Share CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.25%APY$1,811 over 48 months on $10,000
  10. Top Carrot, Carrot Score 88
    Alpine Credit UnionBump CertificateCD · 48–59 months · $500 min

    Credit union · Add a location to see nearby branches

    4.25%APYintro rate
  11. Top Carrot, Carrot Score 95
    EECUStandard CDsCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.25%APY$1,811 over 48 months on $10,000
  12. Top Carrot, Carrot Score 92
    Hatboro Federal SavingsCertificate of DepositCD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.25%APY$1,811 over 48 months on $10,000
  13. S&T BankGrowth/Income CD Time DepositsCD · 48 months · $500 min

    Bank · Add a location to see nearby branches

    4.25%APY$1,811 over 48 months on $10,000
  14. Top Carrot, Carrot Score 93
    Commstar Credit UnionCertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.25%APY$1,811 over 48 months on $10,000
  15. Top Carrot, Carrot Score 91
    CSD Credit UnionCertificates of DepositCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.25%APY$1,811 over 48 months on $10,000

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

3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
3.98%
Banks, typical
2.50%
Credit unions, typical
3.20%

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Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions