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 661–675 results
- Union BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,000intro rateRequirements
Product: CDs are term deposits providing FDIC insurance up to applicable limits. Early withdrawal penalty may apply. Interest can be automatically deposited into another account or CD used as loan collateral. Preferred rate may be available for Advantage Checking accountholders.
Promotional rate · 3.60% interest rate · Effective Oct 14, 2026
Rate checked
More details - Strategic FCUShare CertificatesCD · 48 months · $1,500 min
Credit union · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,0003.60% interest rate
Rate checked
More details - Beaumont Community CUShare CertificateCD · 48 months · $1,000 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: Dividends compounded daily and paid monthly. Minimum deposit to purchase a CD is $1,000.00.
Offer: Under $50,000; dividends compounded daily and paid monthly
3.60% interest rate · Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY Up to $50,000Your amount 3.66% $50,000 and upOver $50,000; 3.76% Rate checked
More details - First State BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.66%APY$1,546 over 48 months on $10,000Requirements
Offer: Penalties apply for early withdrawals.
3.60% interest rate · Effective Sep 10, 2026
Rate checked
More details - Vibrant Credit UnionCertificate of DepositCD · 48 months · $5 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000intro rateRequirements
Product: Requires a $5 minimum opening balance and a $5 Membership Share account. Federally insured by NCUA. Penalty may be imposed for early withdrawal. Must be at least 18 years old to open an account online (or open jointly with parent/guardian if under 18).
Offer: $5 Membership Share account required. Penalty may be imposed for early withdrawal. Auto-renews at maturity.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of Tuesday, October 20, 2026. Early-withdrawal penalties apply.
Offer: Annual/Maturity Crediting. Average daily balance requirement of $1,000.
3.65% interest rate · Effective Oct 20, 2026
Rate checked
More details - Mirastar Federal Credit UnionTerm Share CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Certificate accounts are subject to membership eligibility, terms, and fees. Early withdrawal penalty applies. Minimum opening balance to receive APY is $500. Automatically renews at maturity to existing term and certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Earnings paid quarterly.
Offer: Fixed rate. Early withdrawal penalty applies. Automatic renewal at maturity.
3.60% interest rate · Effective Oct 13, 2026
Rate checked
More details - CSE Federal Credit UnionTerm Share CertificateCD · 48 months · $500 min · 3.55%–3.75% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Certificate rates are locked in for the term selected. Early withdrawal penalty may apply.
Offer: Certificates Less Than $10,000. Early withdrawal penalty is 365 days of dividends.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 and up 3.55% $10,000 and upYour amountCertificates More Than $10,000. 3.65% $100,000 and upCertificates More Than $100,000. 3.75% Rate checked
More details - Sharefax Credit UnionBump Share CertificatesCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000with conditionsRequirements
Product: Business account holders do not qualify for Jump or Relationship Rates. IRA and HSA share certificates are not eligible for bumps. Rates are subject to change. Please check with a Member Service Representative.
Qualified rate · 3.59% interest rate · Effective Oct 5, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Qualified rate · 3.59% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Miami Firefighters Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,0003.59% interest rate · Effective Oct 22, 2026
Rate checked
More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 19, 2026.
Offer: Minimum average daily balance to earn APY is $500.
3.60% interest rate · Effective Oct 19, 2026
Rate checked
More details - Gulf Winds Credit UnionTerm Share Certificate AccountsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Compounded monthly. Membership eligibility required. Account opening subject to approval. Early withdrawal penalties may apply. Automatic renewal at maturity. 18 and 48-month Term Certificate applications not currently available online.
Offer: Compounded monthly. 48-month applications not currently available online.
3.59% interest rate · Compounded monthly
Rate checked
More details - New Jersey Law & Public Safety Credit UnionCertificate of DepositCD · 48 months · $1,000 min · 3.60%–3.70% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: $1,000 minimum balance required. Penalty for early withdrawal. Dividends compounded and credited quarterly. Membership requires purchasing and maintaining at least 1 share ($50.00 par value).
3.55% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.60% $10,000 – $25,000Your amount 3.65% $25,000 and up 3.70% Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Compounding option. Dividend rate is 3.60%. Rate change option available after 90 days and every 365 days thereafter.
3.60% interest rate · Balance cap $999,999 · Effective Sep 16, 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