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 931–945 results
- Pinellas Federal Credit UnionCertificate AccountsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Membership is open to anyone who lives, works, worships, attends school, or regularly does business in Pinellas County; state, county, or municipal employees; SEGs; or family of current members. Early withdrawal penalties may apply and may reduce earnings.
Offer: Minimum balance to earn dividends is $500.
3.46% interest rate · Effective Oct 5, 2026
Rate checked
More details - Southeastern Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Dividends may be paid quarterly or at maturity; compounded quarterly.
3.45% interest rate · Compounded quarterly · Effective Jun 26, 2025
Rate checked
More details - Metro Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.
Offer: 48 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 365 days' dividends.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - Autotruck Financial CUShare Certificate AccountsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Dividend period for all accounts is quarterly. A penalty will be imposed for early withdrawal.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - Legacy Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Membership eligible to those who live, work, worship, or attend school in the 7-county Greater Birmingham area. Fixed rate guaranteed for term. Early withdrawal penalty applies. Additional deposits not permitted during term. Minimum opening deposit $500.
Effective Oct 4, 2026
Rate checked
More details - Bayer Heritage Federal Credit UnionShare CertificatesCD · 48 months · $100 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - BankNorthCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs.
Offer: Interest rate and APY may change after account opening, once per term.
3.50% interest rate · Effective Sep 30, 2026
Rate checked
More details - Oregonians Credit UnionCertificate AccountsCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal of principal. Account fees may reduce earnings.
Offer: Term days: 1461 – 1825.
3.44% interest rate · Effective Sep 30, 2026
Rate checked
More details - Avenir FinancialTraditional CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends are compounded and credited monthly.
Offer: Minimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$1,475 over 48 months on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit required for 12 Month Special using funds not currently on deposit at GreenWay Bank. CD specials renew at a 12 Month term; all others renew at original term. Interest credited quarterly (3 Month compounded at maturity). Penalty may be imposed for early withdrawal.
Offer: Compounding quarterly.
Promotional rate · 3.46% interest rate · Effective Sep 22, 2026
Rate checked
More details - Southwest Airlines Federal Credit UnionTerm Share Certificates (Regular)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Penalties may apply for early withdrawal. Minimum of $1,000 to open. Dividends compounded/paid quarterly.
3.45% interest rate · Effective Aug 24, 2026
Rate checked
More details - WCLA Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: Share Certificates are automatically renewed at maturity without a grace period. Early withdrawal penalty applies.
Offer: Early withdrawal penalty: 365 days’ dividends.
3.44% interest rate · Effective Sep 17, 2026
Rate checked
More details - Newtown Savings BankCertificates of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY.
3.44% interest rate · Effective May 19, 2026
Rate checked
More details - Greater Kinston Credit UnionShare Term Certificate (STC)CD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,0003.50% interest rate · Effective Feb 11, 2026
Rate checked
More details - American Partners Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,475 over 48 months on $10,000Requirements
Product: A penalty will be imposed for withdrawals before maturity on Certificates. Share Certificate rates remain fixed for the term of the certificate. Rates may change as determined by the Board of Directors.
3.45% interest rate · Effective Sep 1, 2026
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank