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 766–780 results
- Clinchfield 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: Minimum deposit of $1,000.00. Dividends credited monthly. Automatically renewed unless specified otherwise. Early withdrawal penalty applies: 30 days dividends for 3 months, 90 days dividends for 6-24 months, 180 days dividends for 36-60 months.
3.54% interest rate
Rate checked
More details - Team One Credit UnionCertificates of DepositCD · 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 additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.54% interest rate
Rate checked
More details - Currie State 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 deposit to open is $500.00 for all CDs except the 36-month Rate Changer which is $10,000.00. Early withdrawal penalties apply (3 months interest for maturities <= 1 year; 6 months interest for maturities > 1 year).
3.55% interest rate · Effective May 28, 2026
Rate checked
More details - Neches Federal Credit UnionCertificatesCD · 48 months · $1,000 min · 3.60%–3.80% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,520 over 48 months on $10,000Requirements
Offer: $1,000 minimum balance
3.54% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.60% $100,000 and up100,000 minimum balance 3.80% Rate checked
More details - United Consumers Credit UnionCertificates of Deposit (CD)CD · 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: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
Rate checked
More details - Community First Credit UnionShare CertificatesCD · 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: Certificate rates remain fixed for term. Dividends credited and compounded monthly. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
3.54% interest rate · Compounded monthly
Rate checked
More details - Farmers Bank of WillardsCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.59%APY$1,515 over 48 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates under $100,000. Minimum of $1,000 to open account.
3.54% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 21, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.58%APY$1,511 over 48 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Plus Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.58%APY$1,511 over 48 months on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to PrimaryPlus relationship customers.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Rolette State BankCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.58%APY$1,511 over 48 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal.
Offer: 48 Month CD. Penalty may be imposed for early withdrawal.
3.55% interest rate · Effective Jan 8, 2026
Rate checked
More details - Schools Federal Credit UnionTerm Share CertificateCD · 48 months · $500 min · 3.57%–3.66% by balance
Credit union · Add a location to see nearby branches
3.57%APY$1,506 over 48 months on $10,000Requirements
Product: Term Share Certificates (certificates of deposit). Early withdrawal penalty. Certificate rates are contracted at opening and upon renewal; compounded and paid monthly. Options to increase the dividend based on balance and relationship. Rates and terms subject to change without notice.
Offer: Dividend/interest shown in certificate APR columns. Rates contracted when opened and upon renewal; compounded and paid monthly. Subject to early withdrawal penalty.
3.51% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $89,999Your amount 3.57% $90,000 and up 3.66% Rate checked
More details - 3.56%APY$1,502 over 48 months on $10,000
3.50% interest rate · Effective Oct 22, 2026
Rate checked
More details - Alternatives Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.
3.50% interest rate · Effective Oct 23, 2026
Rate checked
More details - City National BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: An additional 0.10% may be added to stated Certificate of Deposit (CD) interest rate for primary or joint owners of a City Preferred checking account at the time the CD is issued or automatically renews (does not apply to IRAs). Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: FIXED RATE - Compounding Monthly. Term 48 months.
3.50% interest rate
Rate checked
More details - Hoosier Hills Credit UnionCertificatesCD · 48 months
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: A minimum deposit of $500 is required to open all Certificates, excluding Save to Win. Terms range from 91 days to 60 months. Dividends calculated and paid monthly. Penalties for early withdrawal may apply.
Offer: Dividends are calculated monthly and paid monthly. Penalties for early withdrawals may apply.
3.50% interest rate · Effective Oct 22, 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
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