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 301–315 results
- Education First Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Minimum Deposit: $500.00 Dividend Period: Calendar Month Dividends Compounded and Credited: Monthly
Offer: Dividend Rate: 3.928%. Dividends Compounded and Credited: Monthly.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - River Valley Credit UnionCertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Dividends are compounded monthly on Certificates. Early withdrawal penalties apply. Membership eligibility required (live, work, attend school, or worship in Butler, Clark, Greene, Miami, Montgomery, Preble or Warren Counties).
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Abbey Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Early withdrawal penalty of 90 days of interest. Minimum $500 required to earn dividends.
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - Parks Heritage Federal Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Membership eligibility required: open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in New York state, as well as immediate family members of. A $5 deposit into a Share Savings Account is required for membership. No monthly maintenance fees. Early withdrawal penalties may apply. Dividends compounded and paid monthly on the last day of each month.
Offer: Fixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month.
Rate checked
More details - TopLine Financial Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - Affinity PlusBasic CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
3.93% interest rate
Rate checked
More details - Marine Credit UnionCertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Membership required. Penalty may be imposed for early withdrawal and subject to account closure. APY assumes principal and interest remain on deposit for full term.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - Campus Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Federally insured deposits. $500 minimum deposit on all terms. Early withdrawals may be subject to penalties.
3.94% interest rate · Effective Sep 18, 2026
Rate checked
More details - Endurance Federal Credit UnionCertificatesCD · 48 months · $500 min · 3.90%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Dividend options include monthly dividend check, transfer to another credit union account, or redeposit into the share certificate. Penalties may apply for early withdrawal.
Offer: Early withdrawal penalty: 180 days.
3.83% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and up 3.90% $10,000 and upYour amount 4.00% $25,000 and up 4.05% $99,000 and up 4.10% Rate checked
More details - Neighbors Federal Credit UnionShare CertificatesCD · 48 months · $1,500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, funds may be automatically renewed or paid to a designated account.
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - LaPorte Community Federal Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Minimum balance of $500.00 required. Dividends compounded monthly and paid monthly. Early withdrawal penalty applies.
Compounded monthly · Effective Sep 24, 2026
Rate checked
More details - First Internet BankPersonal Certificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Terms from 3 to 60 months. Minimum opening balance $1,000. Rates fixed for term. Auto-renews at maturity with 10-day grace period for penalty-free withdrawal. Early withdrawal penalty based on term length: 90 days interest for 1–3 months; 180 days interest for 4–18 months; 360 days interest for 19+ months.
Offer: Interest compounded and credited monthly. Early withdrawal penalty: 360 days interest.
3.93% interest rate · Effective Oct 2, 2026
Rate checked
More details - Ashland Credit UnionStandard Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Terms available from 6 months to 5 years. Dividends paid and compounded monthly. Minimum balance required to open account and earn stated APY is $500. Early withdrawal penalty may apply.
3.93% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate checked
More details - Congressional Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000intro rateRequirements
Product: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
Promotional rate · 3.92% interest rate · Effective Oct 4, 2026
Rate checked
More details - Colorado Credit UnionCertificates of DepositCD · 48 months · $500 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APY$1,699 over 48 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.
Offer: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $100,000Your amount 4.00% $100,000 and up 4.10% 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
3,258 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
- Synchrony BankBank