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 361–375 results
- Peoples Advantage FCUShare CertificateCD · 48 months · $1,000 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
3.90% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.95% $50,000 and up 4.05% Rate checked
More details - The Federal Savings BankSpecial CD PromotionCD · 48 months · $5,000 min
Bank · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000intro rateRequirements
Product: Valid for renewals and funds not currently on deposit with The Federal Savings Bank. $5,000.00 minimum deposit to open and earn stated CD APY, assumes interest remains on deposit until maturity. Interest is accrued daily and compounded monthly. Early withdrawal penalty applies (180 days interest for 12 and 18 Month CDs; 365 days interest for 2, 3, 4, 5 Year CDs). 10-day grace period at maturity and auto renews.
Offer: Early withdrawal penalty is 365 days' worth of interest.
Promotional rate · 3.89% interest rate · Compounded monthly · Effective Jul 20, 2026
Rate checked
More details - P&S Credit UnionShare Certificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$1,676 over 48 months on $10,000Requirements
Product: Dividends compounded quarterly, paid at maturity/end of term. Early withdrawal penalties apply. Automatically renewable. Low minimum deposit of $500.
Offer: Automatic renewal
Compounded quarterly
Rate checked
More details - Ergo BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.94%APY$1,672 over 48 months on $10,000intro rateRequirements
Product: Requires new money, which can consist of money from matured Ergo Bank CDs, savings, money market and checking accounts. Early withdrawal penalty applies. Withdraw or reinvest funds at full maturity. Fees may reduce earnings.
Offer: Early withdrawal penalty applies. Requires new money. Any withdrawal reducing balance below minimum may be treated as withdrawal of entire balance.
Promotional rate · 3.90% interest rate · Effective Oct 22, 2026
Rate checked
More details - Tinker Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.79%–4.36% by balance
Credit union · Add a location to see nearby branches
3.94%APY$1,672 over 48 months on $10,000Requirements
Product: Earns monthly dividends based on actual daily balance and term. 10-day grace period after renewal. Deposits may not be made after opened until maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 300 Days.
3.73% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.79% $10,000 and upYour amount 3.94% $25,000 and up 4.15% $50,000 and up 4.26% $99,000 and up 4.36% Rate checked
More details - Farmers & Merchants Union BankEveryday Certificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.94%APY$1,672 over 48 months on $10,000Requirements
Product: Upon maturity, 10 calendar days grace period to withdraw funds or CD automatically renews. Early withdrawal penalties and other fees may apply.
Offer: Daily balance method to obtain APY.
3.90% interest rate · Effective Sep 29, 2026
Rate checked
More details - Seaboard Federal Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.85% interest rate · Effective Oct 7, 2026
Rate checked
More details - Directions Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - Red River Federal Credit UnionCertificateCD · 48 months
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000 - Vantage Point Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).
3.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - NextStep Federal Credit UnionCertificate AccountsCD · 48 months
Credit union · Add a location to see nearby branches
3.92%APY$1,663 over 48 months on $10,000Requirements
Product: Step-up option available on 36-60 month certificates. Additional 10 basis points (0.10%) for deposits over $50,000.
Offer: With step-up option
3.85% interest rate
Rate checked
More details - Community National BankCertificate of Deposit (CD) AccountsCD · 48 months · $1,000 min · 3.74%–4.10% by balance
Bank · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates subject to change without notice. Other maturities upon request.
Offer: Interest paid or Compounded Quarterly
3.69% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Accounts Balance APY $1,000 – $5,000 3.74% $5,000 – $20,000Your amount 3.91% $20,000 and up 4.10% Rate checked
More details - Northrop Grumman Federal Credit UnionCertificatesCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.85% interest rate · Effective Oct 16, 2026
Rate checked
More details - Regional Missouri BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min · 3.91%–4.22% by balance
Bank · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: Fixed rate for initial term. Penalty for early withdrawal may apply; early withdrawal fees may reduce earnings and could reduce principal deposit. No setup or maintenance fees.
Offer: APY assumes quarterly compounding of interest. Early withdrawal penalty for 4-year maturity is 365 days interest.
3.85% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $1,000 and upYour amount 3.91% $50,000 and up48 Month Jumbo Bump Up CD. The interest rate may change at the owner's discretion during the initial term of the investment. 4.22% Rate checked
More details - First National BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.91%APY$1,658 over 48 months on $10,000Requirements
Product: Rates as of: October 9, 2026. Rates are subject change, for the most current rates please contact us at 434.369.3000. A penalty will be imposed for early withdrawal (except No Penalty). Interest rate and APY may change after opening. Daily balance calculation. Fees could reduce earnings.
Offer: 4 Year CD. Early withdrawal penalty applies.
3.85% interest rate · Effective Oct 9, 2026
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
3,255 CDs at 2,921 banks and credit unions · checked Oct 22–23
- Typical
- 3.00%
- Top 10% from
- 4.00%
- 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