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 676–690 results
- State Department Federal Credit UnionCertificateCD · 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: Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.
Offer: Dividends are compounded and credited quarterly and at maturity.
Effective Oct 1, 2026
Rate checked
More details - MTC Federal Credit UnionShare CertificatesCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
3.60% interest rate
Rate checked
More details - Gate City BankRelationship CDCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000with conditionsRequirements
Product: Requires a Gate City Bank checking account.
Offer: Requires a Gate City Bank checking account
Qualified rate · 3.65% interest rate · Effective Oct 22, 2026
Rate checked
More details - Alliant Credit UnionCertificateCD · 48 months · $1,000 min · 3.65%–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: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
3.59% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $75,000Your amount 3.65% $75,000 and upJumbo Share Certificate tier. 3.70% Rate checked
More details - State BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: Minimum of $1,000 to open and obtain APY. A penalty may be imposed for withdrawals before maturity.
3.60% interest rate
Rate checked
More details - Philadelphia Federal Credit UnionSavings CertificatesCD · 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: 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.
3.59% interest rate
Rate checked
More details - Wescom FinancialShare CertificateCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
3.65%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: Member tier; 48 to 59 months.
3.59% interest rate
Rate checked
More details - Logix Federal Credit UnionRegular CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Platinum Tier APY. 48-Month term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - County Schools 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 16, 2026
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More details - Shoreline Hometown Credit UnionShare 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 eligibility required. Dividends compounded and credited quarterly. Penalty for early withdrawal is half of the interest earned over the term of the certificate. $1,000 minimum deposit ($500 for custodial accounts). Automatic renewal at maturity.
Offer: $500 minimum opening balance for custodial accounts.
3.60% interest rate · Effective Oct 16, 2026
Rate checked
More details - Range BankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000intro rateRequirements
Product: Certificates may be issued for terms other than listed above. Interest for certificates issued for terms other than listed will be paid at the rate for the nearest lower term. The Annual Percentage Yield on all Time Certificates is figured on a compounding quarterly basis for a 12-month period of time. This yield will fluctuate when compounding at a different interval or for any lesser time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.60% interest rate · Effective Oct 15, 2026
Rate checked
More details - Northpointe BankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: CD terms available between 7 days - 60 months. Early withdrawal penalties may be imposed. Fees could reduce earnings. Subject to Northpointe Bank approval.
3.59% interest rate · Effective Oct 15, 2026
Rate checked
More details - Columbus Bank & TrustCertificate of Deposit (CD)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000Requirements
Product: Minimum deposit may be required. Terms range from 6-60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest rates may change after account is opened.
3.60% interest rate · Effective Oct 7, 2026
Rate checked
More details - EastRise Credit UnionFixed-Rate CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,542 over 48 months on $10,000intro rateRequirements
Product: Early withdrawal penalties may apply to certificates. Fees may reduce earnings. Minimum to open is $500. Add-on deposit option is not available.
Promotional rate · Effective Oct 14, 2026
Rate checked
More details - Velocity Credit UnionShare 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: Substantial penalty for early withdrawal of principal. Elite Rewards members may be eligible for certificate rate bonuses of 0.10% to 0.20%.
Offer: Term is 4 years (48 months). Dividends pay and compound quarterly. Elite Rewards rate bonus of 0.10% to 0.20% may apply.
Effective Oct 1, 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