Best 4-year CD rates

Requirements

Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.

Requirements

Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.

Offer: Interest paid quarterly.

Requirements

Product: Early withdrawal may be subject to penalty. Fees may reduce earnings.

Offer: Minimum balance to open/obtain the APY.

Requirements

Product: Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.

Requirements

Product: Personal accounts only. Penalty for early withdrawal of 6 months interest which can reduce the principal. At maturity, certificate reinvests for the same term at the fixed-rate in effect at the time unless indicated otherwise. Insured up to $250,000 per account. IRA Certificates are excluded.

Offer: 48 Months

Requirements

Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.

Offer: APY 4.00% with $500 minimum opening.

Requirements

Product: Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.

Offer: Penalty for early withdrawal.

Requirements

Product: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.

Offer: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.

Requirements

Product: Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.

Offer: Disclosed dividend rate 3.92%. 4 Year term.

Requirements

Product: Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.

Offer: Early withdrawal penalty: 270 days’ dividends.

Requirements

Product: Lock funds for terms ranging from 6 months to 5 years. Minimum to open is $2,500 ($500 for members under 18 years of age). Dividends paid monthly and at maturity. Early withdrawal penalties may apply.

Offer: Assumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply.

Requirements

Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.

Offer: APY assumes dividends remain in account.

Requirements

Product: Early withdrawal subject to penalty on all Certificates and could reduce the earnings on the account.

Offer: Early withdrawal subject to penalty.

Requirements

Product: Dividends for 3-month term are paid at maturity and do not compound; dividends for 6-60 month terms compound and are paid quarterly. Minimum opening deposit is $1,000 for 3-month CD and $500 for 6-60 month CDs. Early withdrawal penalties apply. Automatic renewal with 7-day grace period. Membership open to anyone who lives, works, worships, or attends school in Lucas, Wood, Fulton, or Ottawa Counties, OH.

Offer: Dividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller.