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 706–720 results
- Long Reach FCUCertificatesCD · 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 deposit $500. Dividends paid monthly. Substantial penalty for early withdrawal. Rates subject to change without notice.
Offer: Paid monthly.
3.60% interest rate · Effective Feb 12, 2026
Rate checked
More details - Azalea City Credit UnionCertificates of DepositCD · 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: $1,000.00 Minimum on all CD’s. CD’s pay interest Quarterly, Unless the account pays Monthly interest checks.
Offer: Term: 48 Months
Rate checked
More details - Nebraska State Employees 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 $10,000Requirements
Product: Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Rates are subject to change.
3.59% interest rate · Effective Sep 1, 2026
Rate checked
More details - Great Lakes First 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 $10,000Requirements
Product: Penalties apply for early withdrawal. Fees could reduce earnings.
Effective Feb 13, 2026
Rate checked
More details - Public Service Credit UnionCD - Tier CDCD · 48 months · $500 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: Requirements: Savings Account, Minimum Deposit of $500. No Monthly Fee. 1x bump feature allows members with long-term CDs to benefit in a rising rate market. Product features a Step Up feature where you can adjust your interest rate if it goes up.
Offer: Tier I. Dividends Paid annually.
3.65% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for CD - Tier CD Balance APY $500 and up 3.65% $10,000 and upYour amountTier II. 3.65% $50,000 and upTier III. 3.65% $100,000 and upTier IV. 3.65% $250,000 and upTier V. 3.70% Rate checked
More details - Otero Federal 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 requirements apply. Early withdrawal penalties apply. Fees could reduce earnings. APY is earned if dividends remain in the account for one year.
3.59% interest rate · Effective Aug 21, 2026
Rate checked
More details - The Bank of Clovis5-year CD LadderCD · 48 months · $5,000 min
Bank · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,000intro rateRequirements
Product: Total minimum to open CD Ladder is $25,000 evenly distributed across 5 CDs. Each CD automatically renews as a 5-year CD at 0.25% above current Bank of Clovis 5-year CD rate at maturity. Blended first year APY of 3.48%. Early withdrawal penalty of 6 months interest on balance withdrawn with 10-day grace period upon maturity. Daily balance method applies daily periodic rate to principal.
Offer: Initial term 48 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn.
Promotional rate · 3.55% interest rate
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More details - Heartland Credit UnionCertificates of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,000Requirements
Product: Terms range from 3 months to 60 months. $1,000 minimum amount to open. Dividends compound and pay monthly. Early withdrawal penalties apply.
Offer: Minimum balance of $1,000 is required. 180 day early withdrawal penalty. Rates for approved members.
3.55% interest rate · Effective Oct 14, 2026
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More details - White Sands Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,000with conditionsRequirements
Product: Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
Offer: Requires a Platinum or Silver Debit Account
Qualified rate · 3.55% interest rate
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More details - Kirtland Credit UnionShare CertificateCD · 48 months · $500 min · 3.51%–3.76% by balance
Credit union · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,000Requirements
Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.
3.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $4,999 3.51% $5,000 – $9,999 3.56% $10,000 – $49,999Your amount 3.61% $50,000 – $99,999 3.66% $100,000 – $199,999 3.71% $200,000 and up 3.76% Rate checked
More details - Guthrie Community Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,000Requirements
Product: Membership required with a $10 deposit. Penalty may be imposed for early withdrawal.
Offer: Daily Balance dividend method; daily compounding; dividends paid quarterly.
3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - River Valley Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,000Requirements
Product: Fixed rates in effect for the term of the account. Dividends compounded and credited monthly. Dividends calculated using Average Daily Balance method. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less; 180 days' dividends for terms of more than 12 months. Automatically renews upon maturity with a 10-day grace period. After account is started, additional deposits may not be made.
3.55% interest rate · Effective Apr 22, 2026
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More details - 600 Atlantic FCUCertificate of DepositCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,0003.55% interest rate · Effective Sep 28, 2026
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More details - Air Academy Credit UnionCertificatesCD · 48–53 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APYRequirements
Product: A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.
Offer: Early withdrawal penalties may apply.
3.55% interest rate · Effective Oct 4, 2026
Rate checked
More details - Lafayette Federal Credit UnionFixed-Rate CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,524 over 48 months on $10,000Requirements
Product: Must establish membership with Lafayette Federal Credit Union, or be an existing member. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Early withdrawal penalties may apply. Account dividends compounded and credited monthly. 7-month term is not available as an IRA.
3.55% interest rate · Effective Sep 23, 2026
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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