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 796–810 results
- Community 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: Minimum balance to open the account and earn the APY is $500. Early withdrawal penalties may apply (penalty can be waived for qualifying life events such as disability, death, or nursing home care). Automatically renewable unless otherwise specified. No setup or maintenance fees.
3.50% interest rate · Effective Sep 23, 2024
Rate checked
More details - KV FCUShare 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: No fee to establish. Minimum balance of $500.00. Borrow against certificate available.
3.50% interest rate
Rate checked
More details - Finanta 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 $10,0003.50% interest rate
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More details - Chemcel FCUShare 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: Dividends paid monthly by check, to certificate, or by automatic deposit to Regular Savings or Money Market. Automatically renews at maturity unless notice given within 3 weeks prior. Early withdrawal penalty is 180 days of dividends. No partial withdrawals allowed. Federally insured up to $250,000.
Offer: Early withdrawal penalty applies.
3.50% interest rate · Effective Nov 3, 2025
Rate checked
More details - Equitable Savings & Loan AssociationCertificate of DepositCD · 48–59 months · $500 min
Bank · Add a location to see nearby branches
3.56%APYRequirements
Offer: Penalty: 3 MO+ early withdrawal penalty
3.50% interest rate
Rate checked
More details - City Credit UnionCertificate of DepositCD · 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: Rates reflect Annual Percentage Rate (APR). Early withdrawal penalties generally apply. Insured by NCUA up to $250,000.
Offer: Minimum balance $500.
3.50% interest rate · Effective Jan 1, 2026
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More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 37–48 months · $100 min
Credit union · Add a location to see nearby branches
3.55%APYRequirements
Offer: Term: 37 months to 48 months.
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More details - Bank of Franklin CountyCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. Compounded and credited monthly for terms of 6 months or greater. Compounded and credited at maturity for terms of less than 6 months. Early withdrawal penalty may apply. APY requires $500 minimum balance to open and obtain APY ($100 for Fair CD). Rates effective as of October 22, 2026. FDIC insured up to $250,000.
Offer: 48 Month Certificate; Preferred Rate with any checking account
Qualified rate · 3.49% interest rate · Effective Oct 22, 2026
Rate checked
More details - RBFCUCertificateCD · 48–59 months · $1,000 min · 3.51%–3.65% by balance
Credit union · Add a location to see nearby branches
3.55%APYRequirements
Product: Membership eligibility required. $1,000 minimum balance required to open a Share Certificate account and earn stated APY. Early withdrawal penalties apply. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate.
3.45% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $5,000 3.51% $5,000 – $20,000Your amount 3.55% $20,000 – $75,000 3.60% $75,000 and up 3.65% Rate checked
More details - Auburn Community Federal Credit UnionCertificates of Deposit (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: $500.00 minimum balance. Substantial penalties for early withdrawal may apply.
Offer: Substantial penalties for early withdrawal may apply.
3.49% interest rate
Rate checked
More details - Turbotville National BankCertificate of DepositsCD · 48 months · $500 min · 3.29%–3.55% by balance
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Offer: APY is based on quarterly compounding of interest. If interest is withdrawn before maturity, APY will be lower. Penalties may apply for early withdrawal.
3.25% interest rate
Rate by balance
Rate by balance for Certificate of Deposits Balance APY $500 – $5,000 3.29% $5,000 and upYour amount 3.55% Rate checked
More details - Partners Federal Credit UnionStandard CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Minimum to open and earn dividends is $1,000. Members ages 55+ may receive a 0.10% APY dividend increase on new or renewal certificates 24 months or greater.
3.49% interest rate
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More details - Assemblies of God Credit UnionCertificate of Deposit (CD)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Certificate dividends are paid monthly. Penalty may apply for early withdrawal. Rates subject to change.
Offer: Certificate dividends paid monthly. Penalty may apply for early withdrawal.
3.50% interest rate · Effective Aug 1, 2026
Rate checked
More details - Firefighters Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Rates subject to change without notice. Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal. Membership open to eligible persons living/working in specified WI/MN counties or eligible employee/family groups.
3.49% interest rate · Effective Oct 22, 2026
Rate checked
More details - Garden Plain State BankCertificates of Deposit AccountCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Rates are subject to change without notice. Rates may change after the account is opened. Fees may reduce earnings.
3.50% interest rate · Effective Dec 9, 2025
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
* 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%
Is your bank paying you enough?
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank