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 556–570 results
- G.P.O. Federal Credit UnionTerm 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 $10,000intro rateRequirements
Product: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: Fixed dividend rate; 210 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed.
Promotional rate · 3.69% interest rate · Effective Aug 3, 2026
Rate checked
More details - Drake BankCertificates 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: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Postal & Community 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 $10,0003.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - Cloverbelt Credit UnionCertificatesCD · 48 months · $1,000 min · 2.10%–3.75% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Certificates may have penalty imposed for early withdrawal. Rates subject to change without notice. Minimum balance requirements vary by term and tier.
2.08% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 2.10% $5,000 and upYour amount 3.75% Rate checked
More details - 3.75%APY$1,587 over 48 months on $10,000
Requirements
Product: Membership eligibility and a minimum $5 membership share deposit are required for credit union membership. Minimum balance to open is $500. Early withdrawal penalty will apply (2% of amount withdrawn).
3.68% interest rate · Effective Sep 29, 2026
Rate checked
More details - Isabella Community Credit UnionCertificates of DepositCD · 48 months · $500 min · 3.55%–3.75% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 3.55% $10,000 and upYour amount 3.75% Rate checked
More details - Route 31Certificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000with conditionsRequirements
Product: Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
Offer: 0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - Appalachian Community Federal Credit UnionCertificatesCD · 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: Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
Offer: Paid monthly.
3.69% interest rate · Effective Oct 5, 2026
Rate checked
More details - TTCU Federal Credit UnionCertificatesCD · 48 months · $1,000 min · 3.75%–4.15% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Higher dividend rates earned by locking in deposits for a specified period of time. Minimum deposits: $1,000 for standard certificates, $50,000 for jumbo rates, $200,000 for super jumbo rates. 45-day to 60-month terms available. Penalty may be imposed for early withdrawal depending on term and amount; fees could reduce earnings.
Offer: Early withdrawal penalty applies.
3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.75% $50,000 and upJumbo rate tier. 3.95% $200,000 and upSuper jumbo rate tier. 4.15% Rate checked
More details - Suncoast Credit UnionShare 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: Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.
Compounded daily · Effective Sep 1, 2026
Rate checked
More details - FiCare Federal Credit UnionShare CertificatesCD · 48 months · $500 min · 3.75%–3.95% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply. FiCare offers rate matching with local competitor financial institutions subject to matching terms and requirements.
3.69% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $49,999Your amount 3.75% $50,000 – $99,999 3.85% $100,000 and up 3.95% Rate checked
More details - Ashland Credit UnionRate Bump Share CertificateCD · 48 months · $500 min · 3.75%–4.00% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Terms available from 3 to 5 years. Dividends paid and compounded monthly. Allows a one-time bump to current rate during certificate term. Minimum deposit stated as $5,000 in product summary, rate schedule reflects Standard ($500 minimum) and Jumbo ($35,000 minimum) balance tiers. Early withdrawal penalty may apply.
Offer: Standard tier
3.69% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Rate Bump Share Certificate Balance APY $500 and upYour amount 3.75% $35,000 and upJumbo tier 4.00% Rate checked
More details - Family Trust Federal Credit UnionCertificatesCD · 48 months · $500 min · 3.75%–4.40% by balance
Credit union · Add a location to see nearby branches
3.75%APY$1,587 over 48 months on $10,000Requirements
Product: Range of terms available from 3 to 60 months. No opening or maintenance fees. Dividend period, compounding and crediting are quarterly. Rates are variable/determined weekly and dividend rate is fixed for the term after opening. A penalty may be imposed for early withdrawals, excluding earned dividends.
3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.75% $20,000 and up 4.20% $100,000 and up 4.40% Rate checked
More details - Carolina Foothills Federal Credit UnionTerm Share 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: Certificates will automatically renew for another term at maturity. You have 10 business days after the date the certificate matures to move make changes or withdraw the funds. A penalty may be imposed if you withdraw the funds before the maturity date.
3.70% interest rate
Rate checked
More details - Northern Hills Federal Credit UnionCertificatesCD · 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: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Compounded daily · Effective Oct 4, 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