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 811–825 results
- Wildfire Credit UnionCertificateCD · 48–59 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APYintro rateRequirements
Product: One-time rate bump on 60 month term. Dividends are compounded and credited monthly. Penalty for early withdrawal.
Promotional rate · 3.49% interest rate
Rate checked
More details - Achieva Credit UnionCertificate of Deposit (CD)CD · 48 months · $500 min · 3.55%–3.65% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
3.49% interest rate
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $500 and upYour amount 3.55% $25,000 and up 3.60% $100,000 and up 3.65% Rate checked
More details - Community Credit Union of FloridaCertificate 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 $10,0003.49% interest rate · Effective Oct 19, 2026
Rate checked
More details - Siouxland Federal 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: Dividends compounded quarterly. Early withdrawal penalty applies (equal to 365 days dividends on the amount withdrawn). Funds transferred to Regular Savings Account at maturity. Allowed a one-time add-on deposit.
Offer: Allowed a one-time add-on deposit.
3.50% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Aroostook Savings & LoanCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Interest is compounded continuously. A penalty may be imposed for early withdrawal. Rates subject to change prior to issuance; fixed after issuance. Automatic renewal at maturity.
Offer: Interest compounded continuously; early withdrawal penalty may apply. Rate fixed after issuance.
3.44% interest rate · Effective Oct 21, 2026
Rate checked
More details - Matadors Community Credit UnionRegular 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: Become a Platinum Member and you can earn an additional .15% on any Regular Certificate 12 months or longer. Low Minimum Opening Deposit of $1,000. Early withdrawal penalty may be imposed.
Offer: Choice of 48-month term. Certificate Accounts with terms 12 months or longer are eligible for a .15% rate bonus if you are a Platinum Member. APY calculations based on balances of $10,000 and assumes dividends and principal remain on deposit for the entire term. Dividends compounded and paid monthly. Early withdrawal penalty may apply.
3.49% interest rate · Effective Oct 1, 2026
Rate checked
More details - The Peoples Savings & Loan CompanyCertificate Of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Institution generally does not accept nor retain deposits owned by persons residing outside their normal geographical service area.
Offer: A penalty will be imposed for early withdrawal. Balance required is daily balance.
3.50% interest rate · Effective Oct 13, 2026
Rate checked
More details - First Community Credit UnionCertificates of Deposit (CDs)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: Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
Offer: Compounding and crediting annually. Early withdrawal penalties apply.
Effective Oct 9, 2026
Rate checked
More details - Michigan Coastal Credit UnionGolden CDCD · 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: Penalties may apply for early withdrawal.
Effective Oct 15, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 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.
Effective Oct 13, 2026
Rate checked
More details - 3.55%APY$1,497 over 48 months on $10,000intro rate
Requirements
Product: Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
Offer: Interest compounded daily and credited monthly. Penalty for early withdrawal.
Promotional rate · Compounded daily · Effective Oct 15, 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
3.55%APY$1,497 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: Standard rate.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Five Star Federal Credit UnionRegular Share CertificatesCD · 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: Earnings are paid using Average Daily Balance method and credited and compounded quarterly. Minimum deposit is $500. Automatic renewal at maturity with 10-day grace period. Early withdrawal penalties apply.
3.50% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Citizens Bank & Trust Co.CertificatesCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - Bank MidwestCertificates of DepositCD · 48 months · $500 min · 3.55%–3.65% by balance
Bank · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,000Requirements
Product: Penalty will be imposed for early withdrawal: maturity 182 days or less is equal to 90 days of simple interest; 12 to 24 months is equivalent to 180 days of simple interest; 30 to 60 months is equivalent to 360 days of simple interest. Penalty does not apply upon death or judicially declared incompetence of the owner.
Offer: 48-month Certificate of Deposit
3.50% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.55% $250,000 and up 3.65% 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