Skip to content

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.

Term
Type a ZIP code, city, county, metro area or state, then choose a suggestion with the arrow keys and Enter.

Top CD rates

Showing 76–90 results

  1. Top Carrot, Carrot Score 92
    Tendto Credit UnionShare CertificatesCD · 48–59 months · $1,000 min · 4.38%–4.79% by balance

    Credit union · Add a location to see nearby branches

    4.38%APY
  2. Massena Savings & Loan AssociationFixed Rate CertificatesCD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.38%APY$1,871 over 48 months on $10,000
  3. Top Carrot, Carrot Score 90
    Farmers & Merchants BankCertificates of Deposit (CDs)CD · 48 months

    Bank · Add a location to see nearby branches

    4.37%APY$1,866 over 48 months on $10,000
  4. Top Carrot, Carrot Score 89
    Horizon Credit UnionCertificateCD · 48 months

    Credit union · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  5. Top Carrot, Carrot Score 89
    Canyon View Credit UnionAdd-On CertificateCD · 48 months · $10 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  6. Top Carrot, Carrot Score 89
    Canyon View Credit UnionRegular Share CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  7. Top Carrot, Carrot Score 90
    Goldenwest Credit UnionStandard CertificateCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  8. Top Carrot, Carrot Score 92
    Luana Savings BankCertificate of Deposit (CD)CD · 48 months · $2,000 min · 4.35%–4.50% by balance

    Bank · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  9. Top Carrot, Carrot Score 93
    Meadowland Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  10. Top Carrot, Carrot Score 87
    Leader BankCertificates of DepositCD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  11. BrightStar Credit UnionCertificatesCD · 48–59 months

    Credit union · Add a location to see nearby branches

    4.35%APYwith conditions
  12. Top Carrot, Carrot Score 90
    Central BankCertificate of DepositCD · 48 months · $500 min

    Bank · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  13. Top Carrot, Carrot Score 88
    Class Act Federal Credit UnionShare CertificateCD · 48 months · $1,000 min

    Credit union · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000intro rate
  14. Fairmont Federal Credit UnionShare CertificatesCD · 48 months · $1,500 min · 4.35%–4.55% by balance

    Credit union · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000
  15. The Commercial BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min

    Bank · Add a location to see nearby branches

    4.35%APY$1,857 over 48 months on $10,000

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

3,257 CDs at 2,925 banks and credit unions · checked Oct 15–22

Typical
3.00%
Top 10% from
3.98%
Banks, typical
2.50%
Credit unions, typical
3.20%

Is your bank paying you enough?

Find your bank or credit union to see all its rates and how they compare near you.

Suggestions appear after two characters. Use arrow keys and Enter to choose an institution, or submit to see all matches.

Nationwide

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions