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 136–150 results
- FreeStar Financial 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 $10,000with conditionsRequirements
Product: Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.
Offer: Qualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account.
Qualified rate · 4.17% interest rate · Effective Oct 15, 2026
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More details - Greater Nevada Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Fixed rate for the term. Dividends credited and compounded monthly unless otherwise paid. Non-compounding Certificates available at reduced rates and APYs. Penalty for early withdrawal.
4.17% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - WestStar Credit UnionTerm CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000intro rateRequirements
Product: Share Savings with a minimum balance and membership eligibility is required. Early withdrawals are subject to penalty. No setup or monthly maintenance fees.
Offer: Penalty may be imposed for withdrawals prior to maturity.
Promotional rate · Effective Oct 1, 2026
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More details - Dirigo Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - San Diego Firefighters Federal Credit UnionShare CertificateCD · 48 months · $2,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department located within San Diego County, immediate family, and employees/members of Firefighter Related Organizations. Automatic renewal at maturity with a 7-day grace period.
4.18% interest rate
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More details - Community Resource Credit UnionCertificates of DepositCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: CRCU membership required. Penalty for early withdrawal. Fees may reduce earnings. Jumbo rates are no longer offered. You may add on to your certificate at any time during the term not to exceed $10,000.00 (does not apply to IRA and HSA Certificates). Non-transferable and non-negotiable.
4.16% interest rate · Effective Sep 30, 2026
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More details - Corazo Credit UnionRegular CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000intro rateRequirements
Product: Short-term (< 1 year) or long-term (> 1 year). Dividends can be compounded, mailed, or deposited to savings or checking. Flexibility to make deposits anytime during certificate term. NCUA insured up to $250,000.
Offer: Fixed rate type. Minimum balance to earn dividend is $500.
Promotional rate · 4.17% interest rate · Effective Oct 1, 2026
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More details - OceanAir Federal Credit UnionTerm Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply.
4.17% interest rate
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More details - Ontario Shores FCUShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,0004.17% interest rate
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More details - VisionBankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Minimum deposit amount of $1,000.00. A penalty may be imposed for early withdrawal. Daily balance method: the amount of the principal in the account each day. No monthly fees.
Offer: Early withdrawal penalty may apply. Daily balance.
4.18% interest rate · Effective Sep 24, 2026
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More details - Bank Five NineCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000intro rateRequirements
Product: Consumer accounts only. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of September 18, 2026.
Promotional rate · 4.18% interest rate
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More details - Barksdale Federal Credit UnionPlus Point CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: To open Plus Point Certificate accounts, you must open one certificate of each term with equal balances in each certificate. Not automatically renewable.
Offer: Fixed rate. Must open one certificate in each term (1, 2, 3, 4, and 5 Year) with equal balances in each certificate ($1,000 minimum per each term). Additional deposits not allowed. Early withdrawal penalty applies (terms of more than 12 months: 180 days' dividends). Not automatic renewal.
4.17% interest rate · Effective Sep 29, 2026
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More details - Barksdale Federal Credit UnionCertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Account automatically renews.
Offer: Fixed rate. Additional deposits not allowed. Early withdrawal penalty applies (terms of longer than 12 months: 180 days' dividends). Automatic renewal with 10-day grace period.
4.17% interest rate · Effective Sep 29, 2026
Rate checked
More details - Hanscom Federal Credit UnionTerm CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
4.17% interest rate · Effective Oct 5, 2026
Rate checked
More details - Freedom Credit UnionTerm Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$1,811 over 48 months on $10,000Requirements
Product: Early withdrawal penalty applies: 90 days of dividends for terms less than 2 years; 180 days of dividends for terms 2 years or more. Dividends credited quarterly. Fees may reduce earnings.
4.18% interest rate · Effective Sep 24, 2026
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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
3,257 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
- Synchrony BankBank