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 436–450 results
- CommunityWide Federal Credit UnionCW CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Offer: Dividends paid at end of each month.
3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - Southwest Montana Community Federal Credit UnionShare Certificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000intro rateRequirements
Product: Renews automatically upon maturity after 10-day grace period. 90-day penalty for early withdrawal on all Share Certificates. Dividends are calculated and paid quarterly.
Promotional rate · Effective Oct 1, 2026
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More details - Community Savings BankCertificates of DepositCD · 48 months · $5,000 min
Bank · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
Offer: Compounded daily.
3.78% interest rate · Compounded daily · Effective Feb 18, 2025
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More details - First Heritage Federal Credit UnionCertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: Membership eligibility required. Penalties may be imposed for early withdrawal. Dividends earned daily and credited monthly. Member forfeits dividends if account is closed before dividends accrue.
3.78% interest rate · Balance cap $99,999.99 · Effective Sep 23, 2026
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More details - Nusenda Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.
3.78% interest rate · Effective Sep 23, 2026
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More details - Community Focus Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: Fixed dividend rate for the entire term. Early withdrawal penalty usually applies. At maturity, Certificate funds automatically transfer to Savings account if not renewed. Serves individuals, families, and businesses throughout Wayne and Monroe counties.
Offer: $1000 minimum deposit.
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More details - Lakeview Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: The minimum balance required to open and maintain this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. There is a penalty for early withdrawal.
Offer: Dividends paid quarterly. Early withdrawal penalty is 365 days.
3.79% interest rate · Effective Jul 30, 2026
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More details - Glendive BN FCUShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$1,631 over 48 months on $10,000Requirements
Product: All rates are reviewed monthly and can be changed at the board's directive.
Offer: All rates are reviewed monthly and can be changed at the board's directive.
3.85% interest rate · Effective Jul 9, 2026
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More details - Tinker Federal Credit UnionRate BoosterCD · 48 months · $1,000 min · 3.69%–4.26% by balance
Credit union · Add a location to see nearby branches
3.84%APY$1,627 over 48 months on $10,000Requirements
Product: Deposits may not be made after opened until maturity. Early withdrawal penalty applies (number of days dividend lost for withdrawals made before maturity).
Offer: Early withdrawal penalty: 300 Days.
3.63% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Rate Booster Balance APY $1,000 and up 3.69% $10,000 and upYour amount 3.84% $25,000 and up 4.05% $50,000 and up 4.15% $99,000 and up 4.26% Rate checked
More details - Warren-Boynton State Bank48 Month CDCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.83%APY$1,622 over 48 months on $10,000Requirements
Product: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Offer: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
3.80% interest rate · Effective Oct 14, 2026
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More details - Home Bank of CaliforniaCertificates of DepositCD · 48–59 months · $2,500 min
Bank · Add a location to see nearby branches
3.83%APYRequirements
Product: No service charges. Interest compounded daily and paid monthly. Substantial penalty for early withdrawal. Express Personal Banking online account opening available for select CDs.
3.75% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 3.82%APY$1,618 over 48 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000. Daily balance method is used to calculate interest. For terms 12 months or less, interest is paid at maturity; for terms greater than 12 months, interest is compounded daily and paid annually.
Compounded daily · Effective Oct 21, 2026
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More details - Red River Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$1,618 over 48 months on $10,000Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded monthly.
3.75% interest rate · Compounded monthly · Effective Oct 7, 2026
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More details - Greater Metro Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.82%APY$1,618 over 48 months on $10,000Requirements
Product: Minimum amount required to purchase a share certificate is $500.00. Dividends are compounded daily and credited monthly. Early withdrawals are subject to penalty which may reduce principal.
Offer: Early withdrawal penalty is 120 days of dividends.
3.75% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Boulevard Federal Credit UnionShare CertificateCD · 48 months
Credit union · Add a location to see nearby branches
3.82%APY$1,618 over 48 months on $10,0003.75% interest rate · Effective Feb 15, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 4-year CDs pay nationwide
3,254 CDs at 2,920 banks and credit unions · checked Oct 22–24
- 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