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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.

Term
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Top CD rates

Showing 61–75 results

  1. TLC Community Credit UnionRegular CertificatesCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.42%APY$1,889 over 48 months on $10,000with conditions
  2. Top Carrot, Carrot Score 98
    Synchrony BankCertificate of Deposit (CD)CD · 48 months · $0 min

    Bank · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  3. Top Carrot, Carrot Score 99
    Deseret First Credit UnionRegular Share CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000intro rate
  4. Top Carrot, Carrot Score 88
    Alpine Credit UnionValue CertificateCD · 48–59 months · $500 min

    Credit union · Add a location to see nearby branches

    4.40%APY
  5. Top Carrot, Carrot Score 90
    Blackhawk Community Credit UnionShare CertificateCD · 48 months · $1,000 min · 3.90%–4.40% by balance

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  6. La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000with conditions
  7. Top Carrot, Carrot Score 98
    SJP Federal Credit UnionCertificate of DepositCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  8. Top Carrot, Carrot Score 96
    Marcus by Goldman SachsHigh-Yield CDCD · 48 months · $500 min

    Bank · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  9. Top Carrot, Carrot Score 88
    Blaze Credit UnionRegular CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  10. Top Carrot, Carrot Score 91
    Bank of WashingtonCertificate of DepositCD · 48 months · $500 min

    Bank · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  11. Top Carrot, Carrot Score 98
    Dow Credit UnionSimple CDsCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  12. Landmark Credit UnionCertificate AccountCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000
  13. Top Carrot, Carrot Score 88
    Congressional Federal Credit UnionShare CertificateCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.40%APY$1,880 over 48 months on $10,000intro rate
  14. Top Carrot, Carrot Score 88
    Members Trust Federal Credit UnionCertificate AccountsCD · 48 months · $1,000 min · 4.39%–4.59% by balance

    Credit union · Add a location to see nearby branches

    4.39%APY$1,875 over 48 months on $10,000
  15. Top Carrot, Carrot Score 92
    First Choice Financial Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.39%APY$1,875 over 48 months on $10,000

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

3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
3.98%
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

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions
Best 4-Year CD Rates of October 2026 | Carrot Rate