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 526–540 results
- Apple FCURegular CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
Effective Oct 22, 2026
Rate checked
More details - Metrum Community Credit UnionCertificate of DepositCD · 48 months · $500 min · 3.75%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Low minimum balance of $500 ($1,000 / $500 for under 18 cited on p29). Terms from 6 months to 5 years. Fixed term at a fixed rate. Interest is paid quarterly and calculated on average daily balance. Early withdrawal penalties apply: 3-11 month terms= 90 days interest penalty, 12 month terms or greater= 180 days interest penalty. Federally insured to at least $250,000 by NCUA.
Effective Oct 19, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 3.75% $100,000 and up 3.85% Rate checked
More details - Northwest Community BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: There is no monthly service charge. Guaranteed interest rate for the term of the CD. Interest credited monthly. Principal withdrawn before maturity subject to early withdrawal penalty, unless taking a distribution from an IRA. CDs automatically renew at maturity with a 10-day grace period.
3.69% interest rate
Rate checked
More details - Nutmeg State Financial Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.
3.69% interest rate · Effective Oct 19, 2026
Rate checked
More details - 3.75%APY$1,587 over 48 months on $10,000
Requirements
Product: FDIC-insured. Minimum opening balance $500. Automatically renews. Interest credited quarterly. Non-IRA certificates may be pledged as collateral for a share loan. Early withdrawal penalty may apply.
Offer: Quarterly compounding. Early withdrawal penalty may apply.
3.70% interest rate · Effective Oct 15, 2026
Rate checked
More details - Andrews Federal Credit UnionJumbo Fixed Rate Share CertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply.
3.70% interest rate
Rate checked
More details - Copper State Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Membership is required. Low minimum deposit of $500. A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal equal to 365 days' dividends. Minimum balance $500. Opening deposit minimum $500.
3.69% interest rate · Effective Oct 19, 2026
Rate checked
More details - Pioneer Federal Credit UnionTerm CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
Offer: Minimum balance of $500 to earn APY; early withdrawal penalty applies.
3.69% interest rate · Effective Oct 21, 2026
Rate checked
More details - DC Credit UnionRegular Share CertificatesCD · 48 months
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate checked
More details - Philadelphia Federal Credit UnionJumbo CertificateCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.68% interest rate
Rate checked
More details - Utilities Employees Credit UnionAdvantages Certificate of DepositCD · 48 months · $500 min · 3.65%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Opening balance and minimum balance of $500 for all certificates. APY assumes dividends remain in the account until maturity and minimum balance is maintained. After opening, additional deposits cannot be made during the term. Penalty imposed for early withdrawal.
3.59% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Advantages Certificate of Deposit Balance APY $500 – $10,000 3.65% $10,000 – $75,000Your amount 3.75% $75,000 and up 3.85% Rate checked
More details - Wescom FinancialShare CertificateCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APYRequirements
Product: Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.
Offer: Platinum Signature Member tier; 48 to 59 months.
3.68% interest rate
Rate checked
More details - Sun Community Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Fixed rate. Interest is compounded and credited monthly.
Offer: Early withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more.
3.69% interest rate · Effective Oct 7, 2026
Rate checked
More details - Firelands Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
3.68% interest rate · Effective May 1, 2026
Rate checked
More details - Greater Community CUTerm Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. APY based on interest paid monthly and interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
3.69% interest rate · Effective Oct 13, 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
3,254 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