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 781–795 results
- The County Federal Credit UnionShare CertificateCD · 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: Dividends are compounded daily and paid monthly.
3.50% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - ACCESS Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: With initial $5.00 deposit into savings account and a one-time Membership Fee of $1.00, eligible for all Access Credit Union products and services. Dividends paid quarterly. Penalties apply for early withdrawals.
Effective Oct 16, 2026
Rate checked
More details - Bay Federal Credit UnionCertificatesCD · 48 months · $1,000 min · 3.56%–3.67% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: Dividends are paid for the length of the term listed. A substantial penalty may be imposed for early withdrawal.
3.50% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $99,999Your amount 3.56% $100,000 and up 3.67% Rate checked
More details - First National Bank BemidjiCertificates of DepositCD · 48 months · $1,000 min · 3.56%–3.75% by balance
Bank · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply to fixed term investments. Early withdrawal penalties or fees may reduce earnings.
Offer: Compounding frequency quarterly. Term: One-Up (4 Yr). Allows you to change your rate one time during the life of the CD, should interest rates increase.
3.51% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $25,000Your amount 3.56% $25,000 and up 3.75% Rate checked
More details - Bank PlusCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: Fixed rates so your rate can't go down. Minimum opening balance as low as $1000.00. Early withdrawal penalties may apply.
Offer: 12 month and longer interest is paid by automatic transfer to your Bank Plus checking or savings account, or it can be added to the certificate of deposit. Early withdrawal penalties may apply.
3.50% interest rate · Effective Oct 7, 2026
Rate checked
More details - Picatinny Federal Credit UnionShare CertificateCD · 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: The minimum balance required to open a Certificate is $500.00. Must open a savings account with a minimum deposit of $5.00 to qualify for membership. Early withdrawal penalties apply.
Offer: Early withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly.
3.50% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - Chessie 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: $500 minimum deposit to open. Terms available from 6 months to 5 years. Early withdrawal penalty may apply. Fixed rates. No setup or maintenance fees. Dividends may be added back into the account, transferred to another credit union account, or mailed each month.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Estacado Federal Credit UnionShare CertificatesCD · 48–59 months · $1,000 min · 3.56%–3.66% by balance
Credit union · Add a location to see nearby branches
3.56%APYRequirements
Product: Early withdrawal penalty may apply.
3.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $100,000Your amount 3.56% $100,000 and upJumbo Certificates over $100,000 3.66% Rate checked
More details - Raritan State BankCertificates of DepositCD · 48 months · $5,000 min
Bank · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: Automatically renewable CDs are available. Interest on 91 and 182 day CDs is paid at maturity only. On all other terms, interest may be paid monthly, quarterly, semi-annually, or annually. Penalty assessed for early withdrawal of funds.
Offer: 48 Month CD.
3.50% interest rate
Rate checked
More details - evolve Federal Credit UnionBoost Term Share CertificateCD · 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: Early withdrawal penalties apply (1 year or less: 90 days' interest, 2 year: 180 days' interest, 3 year: 270 days' interest, 4 year: 360 days' interest, 5 year: 450 days' interest). Platinum and Diamond Elite accounts qualify for a rate boost.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - SESLOC Credit UnionTraditional Share CertificateCD · 48 months · $1,000 min · 3.56%–3.71% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: Dividends compound monthly. Early withdrawal penalties apply. Partial early withdrawal reducing principal below tier minimum results in account closure. Minimum opening deposit $1,000.
3.50% interest rate
Rate by balance
Rate by balance for Traditional Share Certificate Balance APY $1,000 – $50,000Your amount 3.56% $50,000 – $100,000 3.61% $100,000 – $200,000 3.66% $200,000 and up 3.71% Rate checked
More details - Lufthansa Employee Federal Credit UnionCertificate AccountCD · 48 months · $5,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000intro ratePromotional rate · 3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Farm Credit Employees Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,0003.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - Lake Huron Credit UnionCertificates of DepositCD · 48 months
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,0003.50% interest rate
Rate checked
More details - Empower Blue Credit UnionShare CertificatesCD · 48 months · $500 min · 3.56%–3.82% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,502 over 48 months on $10,000Requirements
Product: Open a certificate with as little as a $500 minimum deposit. Early withdrawal penalties may apply.
Offer: Average daily balance required to earn dividends: $500.
3.50% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.56% $50,000 and up$50,000+ Jumbo rate. 3.82% 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