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 616–630 results
- Capitol Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000intro rateRequirements
Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest, 12 months to less than 36 months lose 180 days' interest, 36 months or longer lose 270 days' interest.
Offer: Terms of 36 months or longer lose 270 days interest; penalty deducted from earnings and may reduce principal balance.
Promotional rate
Rate checked
More details - 3.70%APY$1,564 over 48 months on $10,000
Requirements
Product: Minimum opening deposit is $1,000. Membership with TDECU required. Insured up to $250,000 by NCUA. Penalty for early withdrawal.
Offer: Base Rate for opening deposit $1,000.00 – $49,999.99. Bonus rates available for opening deposits $50,000+ (Base Rate + 0.15%) and $100,000+ (Base Rate + 0.25%).
3.64% interest rate · Balance cap $49,999.99
Rate checked
More details - Cy-Fair FCUShare CertificateCD · 48 months · $1,000 min · 3.70%–3.90% by balance
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Minimum deposit of $1,000.00 required to open. Dividends post quarterly. Early withdrawal penalties may apply. Relationship pricing bonus rates available up to +0.40% APY for qualifying active checking (+0.10%), direct deposit (+0.10%), open/current installment loan or credit card (+0.10%), and credit union membership of 3+ years (+0.10%).
3.64% interest rate · Effective Aug 7, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $25,000Your amount 3.70% $25,000 – $50,000 3.75% $50,000 – $100,000 3.80% $100,000 – $500,000 3.85% Over $500,000 3.90% Rate checked
More details - Priority Trust Credit UnionCertificates of Deposit AccountsCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Interest is compounded and credited monthly. Minimum amount to open a Certificate is $1,000. APY assumes dividends remain in the account until maturity. Withdrawals or fees reduce earnings. All accounts must remain open through the end of the dividend period or maturity date to be paid accrued dividends. Early withdrawal penalty may apply. Non-promotional balances $50,000+ increase dividend rate by 15 basis points (0.15%).
3.64% interest rate
Rate checked
More details - Affinity One Federal Credit UnionTerm Share CertificatesCD · 48–59 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APYRequirements
Product: Minimum deposit of $1,000 for standard CD. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
Rate checked
More details - Falls Catholic Credit UnionTerm Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Minimum deposit $500. Automatic renewal at maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if closed before credited.
Offer: Early withdrawal penalties may apply. Fees may reduce earnings. Dividends forfeited if account is closed before accrued dividends have been credited.
Effective Oct 1, 2026
Rate checked
More details - Redstone Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Non-compounding option. Dividend rate is 3.70%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
3.70% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
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More details - Arlington Community Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - Andrews Federal Credit UnionFixed Rate Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Must open and maintain a minimum $1,000 balance to earn advertised 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 $1,000 balance to earn advertised APY. Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - Andrews Federal Credit UnionRaise Your Rate Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Offers up to a maximum of 3 opportunities to request a rate raise to the current Fixed Rate Share Certificate rate of the same term. Account must be opened for at least 6 months before first rate raise, and at least 6 months between raises. Minimum $1,000 deposit and balance. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - DC Credit UnionRegular Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 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 - UFCUFixed-Rate CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
3.64% interest rate · Compounded daily · Effective Sep 3, 2026
Rate checked
More details - Wescom FinancialShare CertificateCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
3.70%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: Signature Member tier; 48 to 59 months.
3.63% interest rate
Rate checked
More details - First National Bank BemidjiCertificates of DepositCD · 48 months · $1,000 min · 3.70%–3.90% by balance
Bank · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply to fixed term investments. Early withdrawal penalties or fees may reduce earnings.
Offer: Compounding frequency quarterly. Term: 4 Year.
3.65% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $25,000Your amount 3.70% $25,000 and up 3.90% Rate checked
More details - ESB Banking & InsuranceCertificates of DepositCD · 48 months · $1,000 min · 3.60%–3.70% by balance
Bank · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Requires a $1,000 minimum opening deposit. Higher rates/APYs on balances of $10,000 or more. Options include Compounding Plan, Auto Deposit Plan, and Check Plan. Terms of 2 years or greater can be converted to cash or another investment at half-term without penalty (10-day grace period; optional conversion date notification is $10.00). Substantial penalty for early withdrawal. Automatically renewable unless stated otherwise.
Offer: Check Plan (Interest via check); balance less than $10,000. Convertible at half term without penalty.
3.60% interest rate · Effective Aug 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and up 3.60% $10,000 and upYour amount 3.70% Rate checked
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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