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 841–855 results
- Miami University Community Federal Credit UnionCertificates of Deposit (CDs)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: No fees to open or maintain a CD. Silver Hawk Members: Add 0.05% to the rate on CDs with a term of 24 months or less; add 0.10% to the rate on CDs with a term greater than 24 months (not applicable to specials or promotions). Early withdrawal penalty may apply.
3.49% interest rate
Rate checked
More details - Community Resource Federal Credit UnionShare CertificateCD · 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: Minimum to open and obtain APY is $500. Early withdrawal penalty applies. Dividends compounded and posted monthly. Share certificates automatically renew at maturity.
Offer: Dividends compounded and posted monthly. Early withdrawal penalty applies.
3.49% interest rate
Rate checked
More details - SNIFCUShare 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: Guaranteed fixed quarterly dividends. Substantial penalty for early withdrawal. Fees may reduce earnings on account. Membership required (enrolled member or employee of Seneca Nation of Indians or affiliates, or immediate family/household).
3.50% interest rate
Rate checked
More details - Holy Rosary Credit UnionTraditional CDsCD · 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 opening deposit of $1,000. Certificate dividends are earned at the applicable term's fixed rate until maturity. Subject to penalty for early withdrawal. Membership eligibility required.
Offer: Assumes dividends are reinvested and the rate continues for a year. Early withdrawal penalty may apply.
3.49% interest rate · Effective Feb 1, 2025
Rate checked
More details - Cabrillo Credit UnionShare CertificatesCD · 48 months · $2,000 min · 3.50%–3.60% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,497 over 48 months on $10,0003.45% interest rate · Effective Jun 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $2,000 – $9,999 3.50% $10,000 – $49,999Your amount 3.55% $50,000 and up 3.60% Rate checked
More details - Los Angeles Police Federal Credit UnionTerm Share CertificatesCD · 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 $10,000intro rateRequirements
Product: Deposits are federally insured up to $250,000 by NCUA. Available to sworn and civilian law enforcement personnel and family members in Southern California.
Offer: Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply.
Promotional rate · Effective Mar 2, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $49,999Your amount 3.55% $50,000 – $99,999Jumbo tier. 3.60% $100,000 and upSuper Jumbo tier. 3.65% Rate checked
More details - Consumers Professional Credit UnionCertificates of DepositCD · 48 months · $1,000 min · 3.55%–3.65% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,496 over 48 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts.
Offer: Dividends compounded quarterly and paid quarterly. Early withdrawal penalty may apply.
3.50% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.55% $50,000 and up 3.65% Rate checked
More details - Latah Credit UnionCertificates of Deposit (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,496 over 48 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
Offer: Compounded/paid quarterly
3.50% interest rate · Effective Sep 24, 2026
Rate checked
More details - Alliance Credit UnionCertificates of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.54%APY$1,493 over 48 months on $10,000Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
Offer: Rate Bump
3.50% interest rate · Compounded quarterly
Rate checked
More details - Dubois-Pike Federal Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.54%APY$1,493 over 48 months on $10,000Requirements
Product: Available to members of Dubois-Pike Federal Credit Union. Membership savings account required. Not eligible for online opening. Penalty for early withdrawal. Non-renewable.
Offer: Penalty for early withdrawal. Non-renewable. Membership savings account required. Not eligible for online opening.
3.50% interest rate · Effective Jul 18, 2025
Rate checked
More details - Star Tech FCUSavings Certificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.54%APY$1,493 over 48 months on $10,000Requirements
Product: Early withdrawal penalties apply: CD terms ≤ 1 year – Early withdrawal penalty is equal to 30 days' worth of dividends; CD terms > 1 year – Early withdrawal penalty is equal to 90 days' worth of dividends. Dividends added quarterly. No fee if account falls below minimum balance.
3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - American Bank (Baxter Springs, KS)Certificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.54%APY$1,493 over 48 months on $10,0003.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Commercial State BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.54%APY$1,493 over 48 months on $10,000Requirements
Product: Early withdrawal penalties are imposed. Monthly interest available upon request.
Offer: 48-Month Quarterly interest. Early withdrawal penalties are imposed.
3.50% interest rate · Effective Jan 2, 2025
Rate checked
More details - Citizens National Bank of AlbionCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.53%APY$1,489 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Minimum deposit required to open all accounts is $1,000.00 unless otherwise stated.
Offer: 48 Months Certificates. A penalty may be imposed for early withdrawal.
3.50% interest rate · Effective Sep 22, 2026
Rate checked
More details - Odin State BankFour Year CertificateCD · 48 months · $500 min · 3.02%–3.53% by balance
Bank · Add a location to see nearby branches
3.53%APY$1,489 over 48 months on $10,000Requirements
Offer: Tier 1
3.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Four Year Certificate Balance APY $500 and up 3.02% $10,000 and upYour amountTier 2 3.53% 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