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 751–765 results
- Health Advantage Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal. Automatically renewable with a 10-day grace period.
Offer: Early withdrawal penalty: 180-day dividend penalty for terms > 365 days.
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - TRUE Community Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
3.54% interest rate · Balance cap $500,000 · Effective Sep 9, 2026
Rate checked
More details - Willis Knighton Federal Credit UnionShare CertificatesCD · 48 months
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Advertised rates are subject to change without notice. Early Withdrawal Penalties May Apply.
Offer: Early Withdrawal Penalties May Apply. Advertised Rates are subject to change without notice.
3.55% interest rate · Effective Sep 30, 2026
Rate checked
More details - Bar-Cons Federal Credit UnionShare CertificatesCD · 48 months · $200 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Increase rate by 0.10% when placing $50,000 or more in a term between 18 months and 60 months.
Offer: 6 Month early withdrawal penalty
3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Spectra Credit UnionTraditional Share CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Minimum balance required to open and earn stated dividends is $500. A penalty may be imposed for early withdrawal.
3.54% interest rate
Rate checked
More details - First National Bank in PhilipCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: A substantial penalty may be charged on early withdrawal of any Certificate of Deposit. Fees may reduce stated earnings. CD terms range from 3 months to 4 years. Minimum opening deposit of $1,000.00 for all Certificates of Deposit.
Offer: A substantial penalty may be charged on early withdrawal. Fees may reduce stated earnings.
3.60% interest rate · Effective Oct 1, 2026
Rate checked
More details - Wyoming Community BankCertificateCD · 48 months · $1,000 min · 3.60%–3.80% by balance
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Account terms must be met, if not APY of 0.1% see account for details. Rates subject to change on a daily basis. Penalties may apply for early withdrawal.
Offer: 4 Year; Balance $1,000-$25,000
3.60% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $25,000Your amount 3.60% $25,000 – $100,000 3.70% $100,000 and up 3.80% Rate checked
More details - The Clay City Banking Co.Certificates of DepositCD · 48 months
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Returns may be higher than regular savings for the length of the term. Terms range from 3 months to 5 years. Early withdrawal penalties apply. FDIC insured up to $250,000.
Offer: Penalty for early withdrawal. APYs on certificates are based on actual days per month/per year and quarterly compounding.
3.55% interest rate · Effective Sep 17, 2026
Rate checked
More details - State Bank of ChiltonCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Start with a balance of $1,000 to open and maintain the account. Make withdrawals without penalty 10 calendar days after the maturity date. A penalty may be imposed for early withdrawal of time deposit accounts. Fees may reduce earnings on this account.
Offer: 4-year term.
3.57% interest rate · Effective Sep 24, 2026
Rate checked
More details - Expree Credit UnionSavings CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,0003.55% interest rate · Effective Sep 23, 2026
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More details - Transportation Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Dividends are paid and compounded quarterly, calculated using the daily balance method. Minimum balances required to earn APY. Early withdrawal penalties apply. Must maintain membership share ($5 par value).
3.54% interest rate · Compounded quarterly · Effective Aug 17, 2026
Rate checked
More details - Cross RiverCertificate of Deposit - BranchCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. Rates are subject to change at any time.
3.54% interest rate · Effective Dec 17, 2025
Rate checked
More details - Northeast Alabama Postal FCUCDCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000intro rateRequirements
Product: Available to members. Offer and rates subject to change. Minimum balance to open is $500. Maximum CD balance $250,000.
Offer: 4 Years APY. Early withdrawal penalties apply.
Promotional rate · Balance cap $250,000
Rate checked
More details - PowerNet Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: May invest from 6 months to 60 months. Earnings compound within the CD or posted monthly to share or share draft account. Fixed rate until maturity. Early withdrawal penalties may apply.
Offer: Early withdrawal penalties may apply. Rates subject to change.
Effective Sep 23, 2025
Rate checked
More details - All America BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Product: Minimum $500 deposit required. Rates as of 9-10-2026.
Offer: 4-Year CD
Effective Sep 10, 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