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 646–660 results
- Eagle Federal 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 $10,000Requirements
Product: Rate Step Up provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the step (available on share certificates of 2 years or more). Certificates automatically renew at maturity unless new instructions are given.
Offer: Step-Up Option Available.
Rate checked
More details - Security Bank and Trust CompanyCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: A substantial penalty may be imposed for early withdrawal. A withdrawal of interest or fees will reduce earnings.
3.65% interest rate
Rate checked
More details - TopMark Federal Credit UnionShare CertificateCD · 48 months · $500 min · 2.93%–3.70% by balance
Credit union · Add a location to see nearby branches
3.70%APY$1,564 over 48 months on $10,000Requirements
Product: Membership with TFCU is required to open a certificate. Minimum opening deposit of $500.00. Early withdrawal penalties may apply. After maturity, automatically renews at current rate unless indicated otherwise. Withdrawal of dividends prior to maturity will reduce earnings.
2.89% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $5,000 2.93% $5,000 and upYour amount 3.70% Rate checked
More details - Illinois State Credit UnionShare 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Product: Early withdrawal penalty on all CDs is 1% of amount withdrawn per year of the original CD term.
3.64% interest rate · Effective Jul 31, 2026
Rate checked
More details - Intrepid 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: Dividends calculated daily and compounded/credited quarterly. Fixed rate over term. $1,000 minimum deposit to open. Early withdrawal penalties apply based on maturity term. Automatic renewal at maturity with a 10 calendar day grace period.
Offer: 48 Month - One Bump certificate. Includes an option during the first term to exchange the dividend rate for the bump-up rate then offered.
3.63% interest rate · Effective Aug 1, 2026
Rate checked
More details - Peoples BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.68%APY$1,555 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates as of 11/3/2025. Interest rates subject to change at any time without notice. Minimum balance required to obtain stated APY. Fees may reduce earnings.
Offer: Penalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings.
3.65% interest rate · Effective Nov 3, 2025
Rate checked
More details - FAIRWINDS Credit UnionCertificate of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.67%APY$1,551 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply. FAIRWINDS Visa Signature Credit Card members can receive a 0.25% rate bump on a CD upon request at account opening or renewal.
Effective Oct 22, 2026
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More details - Silver State Schools Credit UnionRegular CertificatesCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APYRequirements
Product: Compounded and credited monthly. If dividends are paid by check or transferred, compounding will not occur. Early withdrawal penalty: terms 12 months or less, 90 days of dividends; terms greater than 12 months, 180 days of dividends. Membership eligibility required.
Effective Apr 17, 2026
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More details - KEMBA Louisville Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$1,551 over 48 months on $10,0003.60% interest rate · Effective Apr 1, 2022
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More details - Ascension Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$1,551 over 48 months on $10,000Requirements
Product: Minimum deposit amount of $500.00. Early withdrawals are subject to penalty. Subject to membership eligibility.
3.61% interest rate
Rate checked
More details - Community Commerce BankCertificate of DepositCD · 48 months · $10,000 min · 3.66%–3.87% by balance
Bank · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,000Requirements
Product: Rate fixed for entire term. Substantial penalty for early withdrawal. APY accurate as of 10/23/2026.
Offer: Balance $10,000.00 to $99,999.99.
3.60% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $10,000 – $100,000Your amount 3.66% $100,000 and up 3.87% Rate checked
More details - CME Federal Credit UnionShare CertificatesCD · 48 months · $500 min · 3.66%–3.76% by balance
Credit union · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,000Requirements
Product: Open with $500 ($250 for youth accounts). Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal.
3.60% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $15,000Your amount 3.66% $15,000 – $50,000 3.66% $50,000 and up 3.76% Rate checked
More details - Eglin Federal Credit UnionPreferred Investment CertificatesCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,000Requirements
Product: Requires Eglin FCU Membership. Penalty for early withdrawal. Minimum deposit of $2,500 required to open.
Offer: Early withdrawal penalty applies. Requires Eglin FCU Membership.
3.60% interest rate · Effective Sep 18, 2026
Rate checked
More details - First Federal BankCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,000Requirements
Product: $500 Minimum Deposit to Open. Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Interest will be compounded and credited monthly.
Offer: Assumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly.
3.60% interest rate · Effective Oct 1, 2026
Rate checked
More details - Wyrope Williamsport FCUShare CertificatesCD · 48 months · $500 min · 3.56%–3.76% by balance
Credit union · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,000Requirements
Product: Share Certificates will renew at the current rate for the selected term. Minimum deposit of $500.00.
3.50% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $5,000 3.56% $5,000 – $25,000Your amount 3.66% $25,000 and up 3.76% 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
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- Synchrony BankBank