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 1366–1380 of 3,254 results
- STAR Financial Credit UnionInvestment Certificate AccountCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Offer: Dividends compounded and credited monthly; additional deposits not allowed; withdrawals permitted for dividends only.
3.15% interest rate · Effective Sep 23, 2026
Rate checked
More details - Power Credit UnionShare CertificatesCD · 48 months · $500 min · 3.20%–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: Minimum Balance is $500 for adult depositors. All rates are subject to change. Share certificates can be set up to auto renew. Early withdrawal penalties apply. Local competitor certificate rates matched up to .25% based on published equivalent terms and balances. Promotional certificates are not eligible for auto renewal.
Offer: Adult depositors
3.16% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $50,000Your amount 3.20% $50,000 and up 3.30% Rate checked
More details - TruGrocer Federal Credit UnionSmall Saver Share 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: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $500 with terms up to 60 months.
3.15% interest rate · Compounded monthly
Rate checked
More details - 3.20%APY$1,343 over 48 months on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.15% interest rate · Effective Mar 13, 2026
Rate checked
More details - Community 1st Credit UnionCertificate AccountsCD · 48 months · $500 min · 3.15%–3.45% by balance
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for early withdrawal.
3.11% interest rate · Effective Jul 22, 2024
Rate by balance
Rate by balance for Certificate Accounts Balance APY $500 and up 3.15% $7,501 and upYour amount 3.20% $15,001 and up 3.30% $50,001 and up 3.35% $250,001 and up 3.45% Rate checked
More details - Vantage Credit UnionRegular Certificate (CD)CD · 48 months · $2,000 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. Fixed interest compounds monthly. Subject to early withdrawal penalty. Fees could reduce earnings.
Effective Sep 1, 2026
Rate checked
More details - Trona Valley Federal Credit UnionShare CertificatesCD · 48 months · $200 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Minimum balance $200. Automatically renews at maturity with a 10-day grace period. Dividends post quarterly. Early withdrawal penalties apply.
Offer: 48 Month Certificate (1460 days). Dividends post quarterly. Early withdrawal penalties apply.
3.16% interest rate · Effective Aug 20, 2026
Rate checked
More details - UniBankCertificate 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: Minimum opening deposit: $1,000. Term: 3 months to 60 months. Penalty for early withdrawal of principal. Fixed interest rate calculated daily and paid/credited monthly. 10 day grace period after maturity to withdraw funds without penalty. Renewal will be the same as original term at rate determined at renewal.
3.15% interest rate · Effective Feb 2, 2026
Rate checked
More details - The Peoples Bank Co.Certificate of DepositCD · 48 months · $500 min · 2.93%–3.19% by balance
Bank · Add a location to see nearby branches
3.19%APY$1,338 over 48 months on $10,0002.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $5,000 2.93% $5,000 and upYour amount 3.19% Rate checked
More details - Columbia Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.19%APY$1,338 over 48 months on $10,000Requirements
Product: Dividends are fixed for the term, paid quarterly, and determined monthly. Minimum deposit is $500.00. Early withdrawal penalties apply.
Effective Oct 5, 2026
Rate checked
More details - Minnequa Works Credit UnionCertificates of DepositCD · 48 months · $2,500 min · 3.19%–3.24% by balance
Credit union · Add a location to see nearby branches
3.19%APY$1,337 over 48 months on $10,000Requirements
Product: Interest is compounded and credited quarterly. Dividends can be added to principal or paid to a share account. Rates subject to change without notice. Early withdrawal penalties apply.
Offer: Compounded/Credited quarterly
3.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $2,500 and upYour amount 3.19% $50,000 and upJumbo tier; 3.24% Rate checked
More details - Eaton Family Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.18%APY$1,334 over 48 months on $10,000Requirements
Product: Minimum deposit to open is $500. Dividends are compounded quarterly using the daily balance method. Monthly dividend payments are available for balances of $10,000 or more. Early withdrawal from a Certificate of Deposit will incur a penalty.
3.15% interest rate · Compounded quarterly · Effective Apr 1, 2026
Rate checked
More details - Carver Federal Savings BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.17%APY$1,330 over 48 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Automatically renews at term end with a 7-day grace period. No monthly maintenance fees.
3.13% interest rate
Rate checked
More details - Southland Federal Credit UnionShare CertificateCD · 48 months · $5,000 min · 2.71%–3.16% by balance
Credit union · Add a location to see nearby branches
3.16%APY$1,327 over 48 months on $10,000Requirements
Product: All certificates are compounded and paid monthly. Early withdrawal penalty may be imposed. Membership with a regular share (savings) account required.
Offer: Long Term. Starting at $5,000.
2.70% interest rate · Effective Mar 1, 2023
Rate by balance
Rate by balance for Share Certificate Balance APY $5,000 and up 2.71% $10,000 and upYour amountStarting at $10,000+. 3.16% Rate checked
More details - First PREMIER BankCertificates of DepositCD · 36–48 months · $500 min
Bank · Add a location to see nearby branches
3.15%APYRequirements
Offer: A penalty may be imposed for early withdrawal.
3.15% interest rate · Effective Oct 1, 2026
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank