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 1021–1035 of 3,253 results
- High Desert Community Credit UnionCertificate of DepositCD · 48 months
Credit union · Add a location to see nearby branches
3.40%APY$1,432 over 48 months on $10,0003.35% interest rate · Effective Oct 17, 2025
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More details - Frick Financial Federal Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000intro rateRequirements
Product: Credit Union membership required. Applicants must qualify by living, working, worshipping or attending school in Fayette, Washington, Greene or Westmoreland County.
Promotional rate · 3.35% interest rate
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More details - Golden 1 Credit UnionTerm Savings CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.
3.35% interest rate · Effective Oct 16, 2026
Rate checked
More details - UMe Credit UnionCertificates (CDs)CD · 48–59 months · $2,000 min
Credit union · Add a location to see nearby branches
3.40%APYRequirements
Product: Minimum $2,000 opening deposit. Dividends based on average daily balance and posted monthly. Fixed rates for the term purchased. Subject to early withdrawal penalties. Membership requires living, working, attending school, or worshipping in Burbank, or a $10 donation to the Burbank Arts & Education Foundation. Additional 0.10% for Jumbo Certificates $50,000 and more.
Offer: Minimum average daily balance required to earn dividends. Rate fixed for term.
3.35% interest rate
Rate checked
More details - First National Bank of BlanchesterCODsCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Certificates require a $1,000.00 minimum deposit. Rates change each Tuesday. Substantial interest penalty for early withdrawal.
Offer: Term: 4 Years. Substantial interest penalty for early withdrawal. Rates change each Tuesday.
3.40% interest rate · Effective Oct 20, 2026
Rate checked
More details - Evergreen Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Early withdrawal subject to 545 day dividends penalty.
3.35% interest rate · Effective Oct 8, 2026
Rate checked
More details - American Southwest Credit UnionTerm Share CertificatesCD · 48 months · $500 min · 3.35%–3.40% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000with conditionsRequirements
Product: Term Share Certificates offer terms from 6 months to 5 years (plus promotional specials). No monthly service charges. Dividends are calculated by the daily balance method, compounded and credited monthly. Penalty may apply for early withdrawal.
Offer: Relationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking.
Qualified rate · 3.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 and up 3.35% $10,000 and upYour amount 3.40% Rate checked
More details - First Community Bank of HillsboroCertificate of Deposit (CD)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Rates are accurate as of October 5, 2026. Fees may reduce earnings. Rates are subject to change without notification. Certificates of Deposit are subject to a substantial penalty for early withdrawal. Compounding and crediting frequency: Interest may be paid monthly, quarterly, semiannually, or annually by check, direct deposit into another FCB account, compounded, or at maturity if less than 1 year term. Renewal: Account will automatically renew unless otherwise specified.
3.35% interest rate · Effective Oct 5, 2026
Rate checked
More details - Farmers National BankCertificate of DepositCD · 48 months · $500 min · 3.30%–3.60% by balance
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Minimum $500 deposit Short and long-term maturities that range from 3 months to 5 years Competitive fixed interest rates Interest paid quarterly Early withdrawals subject to penalty CD automatic renews at maturity with the new interest rate and same maturity term so you may continue to earn a higher rate of return FDIC insured
3.26% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 3.30% $10,000 and upYour amount 3.40% $100,000 and up 3.60% Rate checked
More details - Cross County Savings BankCertificate of Deposit (CD)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,0003.34% interest rate · Effective Oct 16, 2026
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More details - Reliant Credit UnionInvestor CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Minimum opening deposit of $1,000. No additional deposits allowed until maturity. Early withdrawal penalty: 90 days dividends for terms of 12 months or less; 180 days dividends for terms greater than 12 months.
3.36% interest rate · Effective Sep 22, 2026
Rate checked
More details - Franklin Mint Federal Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.
Offer: Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.
3.34% interest rate · Effective Oct 1, 2026
Rate checked
More details - First U.S. Community Credit UnionShare CertificateCD · 48 months · $500 min · 3.35%–3.50% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000intro rateRequirements
Product: Federally insured by NCUA up to $250,000. Penalty for early withdrawal; withdrawals will reduce earnings.
Offer: Fixed rate. Rate = Dividend Rate. APY = Annual Percentage Yield. Early withdrawal penalty applies. Withdrawals will reduce earnings.
Promotional rate · 3.30% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 3.35% $10,000 and upYour amount 3.40% $100,000 and up 3.50% Rate checked
More details - Sacramento Credit UnionShare CertificateCD · 48 months · $1,000 min · 3.40%–3.45% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: A penalty may be imposed for withdrawals before maturity.
3.35% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.40% $100,000 and up 3.45% Rate checked
More details - St. Louis Community Credit UnionShare CertificateCD · 48 months · $300 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Dividends are compounded and credited monthly. Penalty may be imposed for early withdrawal. Minimum balance/deposit is $300.
Offer: Dividends compounded and credited monthly. Early withdrawal penalty applies (180 days' dividends for terms over 365 days).
3.35% interest rate · Effective Oct 6, 2026
Rate checked
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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
3,253 CDs at 2,918 banks and credit unions · checked Oct 22–25
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.20%
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