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 481–495 results
- Middlesex Savings BankCertificate of DepositCD · 48 months · $250 min
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Minimum deposit to open is $250. $10 minimum balance is required to earn APY. Rate is guaranteed for the length of the term. Early withdrawal penalties apply.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - ANB BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Minimum opening deposit is $1,000. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
Offer: 48 Month term. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
3.75% interest rate · Effective Oct 13, 2026
Rate checked
More details - Freedom Federal Credit UnionRegular Share CertificateCD · 48 months · $300 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $300 for regular share accounts; $5 minimum deposit for youth club members under 18 years of age. Early withdrawal penalty may apply.
Offer: $300 minimum opening deposit ($5 for youth club members under 18)
Promotional rate · 3.75% interest rate · Effective Sep 25, 2026
Rate checked
More details - Cedar Point Federal Credit UnionLong Term Certificate AccountCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Rates fixed for the entire term. Penalty charged for early withdrawal. Funds cannot be deposited into existing accounts until maturity.
3.75% interest rate · Effective Oct 9, 2026
Rate checked
More details - Star of Texas Credit UnionCertificate of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.
Offer: Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity.
Promotional rate · Effective Oct 1, 2026
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More details - Openland Credit UnionTerm Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
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More details - U of I Community Credit UnionSilver Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Dividends calculated daily and compounded quarterly and at maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty of 180 day dividend.
3.75% interest rate · Compounded quarterly
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More details - Dort Financial Credit UnionTerm Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. Rates subject to change.
3.75% interest rate
Rate checked
More details - Arbor Financial Credit UnionCertificate of Deposit (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100). Rate remains the same throughout the term. Automatically renews unless different option selected.
Offer: Explorer's Club members have a minimum of $100.
Compounded monthly · Effective Oct 1, 2026
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More details - CASE Credit UnionTerm Deposit AccountCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Credit Union Membership is required for all accounts.
3.74% interest rate
Rate checked
More details - Transport Credit UnionShare CertificateCD · 48 months
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Membership eligibility required. Fixed dividend rate locked for full term. Early withdrawal penalty may apply. Federally insured to at least $250,000 by NCUA.
Offer: No service or transaction fees. Early withdrawal penalty may apply.
3.75% interest rate · Effective Oct 5, 2026
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More details - Hometown Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
Offer: Early withdrawal penalty: 365 days dividends.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - State Bank of Southern UtahCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: Not available to other financial institutions or deposit brokers. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on accounts.
3.75% interest rate · Effective Oct 2, 2026
Rate checked
More details - Levo Credit Union®Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,000Requirements
Product: NCUA insured. Rates and APYs subject to change monthly as determined by the Credit Union Board of Directors. Early withdrawal penalties apply.
3.75% interest rate
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More details - North Platte Union Pacific Employees Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$1,609 over 48 months on $10,0003.75% interest rate
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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
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