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Best 4-year CD rates

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

Term
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Top CD rates

Showing 256–270 results

  1. Top Carrot, Carrot Score 89
    Central Bank UtahCertificates of DepositCD · 48–59 months · $500 min

    Bank · Add a location to see nearby branches

    4.06%APY
  2. Top Carrot, Carrot Score 91
    WEPCO Federal Credit UnionShare CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.06%APY$1,726 over 48 months on $10,000
  3. Moonlight FCUCertificates of DepositCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.06%APY$1,726 over 48 months on $10,000
  4. Compass Community Credit UnionTerm Share CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.06%APY$1,726 over 48 months on $10,000
  5. Top Carrot, Carrot Score 97
    Aspire Credit UnionShare CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000intro rate
  6. Top Carrot, Carrot Score 93
    Ironworkers USA Credit UnionLong-Term CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000
  7. Top Carrot, Carrot Score 89
    Treadwell Credit UnionShare CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000
  8. Nebraska State Bank & Trust CompanyCertificates of Deposit (CDs)CD · 48 months · $500 min

    Bank · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000
  9. Top Carrot, Carrot Score 88
    Cochise Credit UnionCertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000
  10. Top Carrot, Carrot Score 90
    Bridge Credit UnionSecond Chance CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000
  11. LGE Community Credit UnionCertificates / CDCD · 48 months · $1,000 min · 4.05%–4.16% by balance

    Credit union · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000
  12. Top Carrot, Carrot Score 87
    P&S Credit UnionShare One-Time Bump Certificates of DepositCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.05%APY$1,721 over 48 months on $10,000
  13. Top Carrot, Carrot Score 87
    First State BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.04%APY$1,717 over 48 months on $10,000
  14. Ohio Valley Community Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.03%APY$1,712 over 48 months on $10,000
  15. Lowell Firefighters FCUCertificates of DepositsCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.02%APY$1,708 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

3,258 CDs at 2,924 banks and credit unions · checked Oct 16–23

Typical
3.00%
Top 10% from
3.99%
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