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 1351–1365 of 3,254 results
- WeStreet Credit UnionBoost CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty may be imposed. Fees could reduce earnings. Allows rate change request once during a 24-month term and twice during a 48-month term after the first 7 days. No maintenance fees.
Offer: Quarterly compounding. Allowed a dividend rate change twice during each term or renewal term. Early withdrawal penalty may be imposed.
3.16% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Bristol County Savings BankPRIME TIME™ Certificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000with conditionsRequirements
Product: Must maintain a Prime Time Checking account to be eligible for product. An early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Must maintain a Prime Time Checking account.
Qualified rate · 3.15% interest rate · Effective Oct 13, 2026
Rate checked
More details - Credit Union of ColoradoTraditional Certificate of Deposit (CD)CD · 48 months · $500 min · 3.10%–3.40% by balance
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Open with $500. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalty applies. Dividends credited and compounded quarterly.
Offer: Fixed term 4 Year.
3.06% interest rate · Compounded quarterly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Traditional Certificate of Deposit (CD) Balance APY $500 and up 3.10% $10,000 and upYour amount 3.20% $25,000 and up 3.30% $100,000 and up 3.40% Rate checked
More details - One Source Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: All share certificate rates and APYs are stated as annual rates and are paid monthly or compounded monthly and paid at maturity. Penalty for early withdrawal.
Offer: Paid monthly or compounded monthly and paid at maturity.
3.15% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - MCT Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Early withdrawals subject to a penalty. No setup or maintenance fees.
3.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - First City Credit UnionTerm Certificate AccountCD · 48 months · $1,000 min · 3.10%–3.30% by balance
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Membership required. Tiered rates based on minimum balance. Penalties will be imposed for early withdrawals.
3.06% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Term Certificate Account Balance APY $1,000 – $9,999 3.10% $10,000 – $49,999Your amount 3.20% $50,000 and up 3.30% Rate checked
More details - 1st Community Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Minimum opening deposit for Regular Share Certificate is $1,000 ($500 for minors). Balances below $1,000 ($500 for minor) may be subject to penalty and will reduce the stated APY. Early withdrawal penalty may apply. Membership eligibility required.
Offer: Minimum opening deposit $1,000 ($500 for minors).
3.15% interest rate · Effective Oct 5, 2026
Rate checked
More details - Mazuma Credit UnionSignature CDCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalty applies.
3.15% interest rate
Rate checked
More details - RCB BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Interest compounded and credited monthly. Interest payment options available. Convenience of automatic renewal. Terms range from 30 days to 5 years with fixed, variable, or pop-up options. A penalty may be imposed for early withdrawal. Assumes interest will remain on deposit until maturity. Fees could reduce earnings.
Offer: 48 Month Fixed term. Fixed rates remain the same as at the time of account opening. Penalty for early withdrawal.
3.15% interest rate · Effective Oct 2, 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
3.20%APY$1,343 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.
3.20% interest rate · Effective Oct 5, 2026
Rate checked
More details - New Jersey Community FCUCD (Certificate of Deposit) – Share CertificatesCD · 48 months · $1,000 min · 3.20%–3.46% by balance
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Minimum opening deposit is $1,000.00. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Early withdrawal penalty of 90 days dividends applies. 10 business day grace period at maturity. Automatic renewal.
Offer: Rollover / New Balances $1,000 – $19,999.99
3.15% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for CD (Certificate of Deposit) – Share Certificates Balance APY $1,000 – $20,000Your amount 3.20% $50,000 and up 3.46% Rate checked
More details - Kitsap Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Early withdrawal penalty may apply.
Effective Oct 4, 2026
Rate checked
More details - First PREMIER BankCertificates of DepositCD · 48–60 months · $500 min
Bank · Add a location to see nearby branches
3.20%APYRequirements
Offer: A penalty may be imposed for early withdrawal.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Grand Valley BankTime Certificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000with conditionsRequirements
Product: Grand Valley Bank Star or Senior Account customers are eligible to receive an additional .25% interest on CDs. Minimum opening deposit for Time Deposit accounts is $500.00 unless otherwise stated.
Offer: .25% bonus for Star and Senior Accounts
Qualified rate
Rate checked
More details - SELCO Community Credit UnionStandard CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.
Offer: Standard rate without Certificate Reward.
Qualified rate · 3.16% interest rate · Effective Oct 3, 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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