Best 4-year CD rates

Requirements

Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.

Requirements

Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.

Offer: Option 3 (5-rung ladder: 12, 24, 36, 48, 60 months). All certificates established with equal amounts.

Requirements

Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.

Offer: Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.

Requirements

Product: FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.

Requirements

Product: Membership eligibility required. Special rates are only available for new funds to American Spirit FCU.

Offer: Available for new funds to American Spirit FCU only. Membership eligibility required.

Requirements

Offer: Flex Term Promotion (6-60 Months)

Requirements

Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.

Offer: Term: 3 to 4 Years (1,095 to 1,460 days). Early withdrawal penalty: 180 Days' Dividends.

Requirements

Product: Minimum opening deposit: $500. Terms available from 3 months to 5 years. Automatic renewal available at maturity. Early withdrawal penalty applies (90 days interest for terms up to 6 months, 180 days interest for terms 1 year and longer).

Offer: Early withdrawal penalty: 180 days interest. Dividend period: Quarterly.

Requirements

Product: A penalty may be imposed for early withdrawal

Offer: A penalty may be imposed for early withdrawal

Requirements

Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.

Requirements

Product: $2,000 minimum. Rates advertised as high as. Effective October 7, 2026.

Offer: $2,000 minimum. Effective October 7, 2026.

Requirements

Product: Penalty for early withdrawal. Interest is compounded quarterly. The Annual Percentage Yield assumes interest remains on deposit for one year. Periodic interest checks and transfers available.

Offer: Quarterly compound.

Requirements

Product: Dividends paid monthly based on daily average balance. Automatically reinvested dividends.

Offer: Early withdrawal penalty may apply.

Requirements

Product: Must be or become a member to establish any of the above accounts. Minimum of $500 required for all Certificates. Penalty for early maturity of CD is 3 months interest.

Requirements

Product: $500 Minimum Balance. Minimum deposit of $500 to open a CD account. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location. Interest is compounded daily and posted quarterly.

Offer: $500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY.