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 1036–1050 of 3,253 results
- American 1 Credit UnionShare CertificatesCD · 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: Non-compounding; payout of dividends is mandatory (monthly, quarterly, semi-annually, or annually). Calculated by daily balance method. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Non-compounding.
3.40% interest rate · Effective Oct 15, 2026
Rate checked
More details - PenFed Credit UnionMoney Market CertificatesCD · 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
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.35% interest rate · Effective Oct 9, 2026
Rate checked
More details - The Freedom Bank of VirginiaCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Rates subject to change without notice.
3.34% interest rate · Effective Oct 7, 2026
Rate checked
More details - Bienestar Federal Credit UnionShare CertificatesCD · 48 months · $500 min · 3.40%–4.13% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Minimum $500 deposit required for certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from certificate accounts.
3.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $99,999Your amount 3.40% $100,000 – $249,999 3.45% $250,000 – $999,999 3.87% $1,000,000 and up 4.13% Rate checked
More details - Pacific Crest BankCertificates of DepositCD · 48 months · $2,000 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Interest is compounded daily. APY assumes interest remains on deposit until maturity. Subject to early withdrawal penalties.
Offer: Interest compounded daily; early withdrawal penalties apply.
3.34% interest rate · Compounded daily · Effective Sep 10, 2026
Rate checked
More details - White Sands Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000with conditionsRequirements
Product: Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
Qualified rate · 3.35% interest rate
Rate checked
More details - City Credit UnionCertificates of DepositCD · 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 balance to open and earn is $1,000. A penalty may be imposed for early withdrawal of funds prior to the maturity date. Rates subject to change without notice.
Effective 2026-09
Rate checked
More details - California Community Credit UnionTerm Account / 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: Early withdrawals from Term / Certificate Accounts may result in substantial penalties.
Offer: Fixed rate type. Minimum to earn dividends is $1,000.00. Early withdrawal penalty applies.
3.36% interest rate · Effective Sep 28, 2026
Rate checked
More details - Citizens Federal Savings and LoanCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Rates are fixed for the term of the CDs. Substantial penalty for early withdrawal. Minimum balance to earn APY is $500.00. Most certificate accounts automatically renew on their maturity date for the same term at current rate. Early withdrawal penalty: 30 days through 12 months is 3 months simple interest; longer than 12 months is 6 months simple interest; 48 or 60 months is 12 months simple interest.
3.34% interest rate · Effective Oct 5, 2026
Rate checked
More details - BluCurrent Credit UnionCertificates of Deposit (Personal)CD · 48 months · $1,000 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: The minimum amount required to open a Regular Certificate is $1000. Penalty may apply for early withdrawal.
Offer: Penalty may apply for early withdrawal.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (Personal) Balance APY $1,000 – $25,000Your amount 3.40% $25,000 – $50,000 3.50% $50,000 – $100,000 3.55% $100,000 and up 3.60% Rate checked
More details - Journey Federal Credit UnionShare CertificatesCD · 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: $500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Offer: Early withdrawal penalty: 365 days interest forfeited for 36, 48 and 60 months.
3.34% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Bank & TrustCertificates of DepositCD · 48 months · $1,500 min · 3.35%–3.45% by balance
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Rates & APYs are based on monthly compounding. Penalties may be imposed for early withdrawal. Minimum balance to open CD is $1,500. Relationship Pricing on CD's – Additional FB&T product and service relationships may increase listed rates.
3.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,500 – $10,000 3.35% $10,000 – $25,000Your amount 3.40% $25,000 – $100,000 3.40% $100,000 – $250,000 3.45% $250,000 and up 3.45% Rate checked
More details - Electrical Workers 558 Federal Credit UnionShare CertificatesCD · 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: Assumes dividends are credited monthly. Minimum balance is $500. Substantial penalty for early withdrawal. No deposits allowed after opening until maturity date. Does not renew automatically and will not earn dividends after maturity date unless used to secure a loan. Redeeming before maturity forfeits accrued dividends.
3.35% interest rate
Rate checked
More details - MainStreet BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,431 over 48 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fees may reduce earnings. Funds can be withdrawn beginning 7 days after deposit. Automatic rollover at maturity. Fixed rate and term. FDIC insured.
Offer: 4 Year term. Minimum to open and obtain APY is $500.
3.35% interest rate · Effective Oct 4, 2026
Rate checked
More details - Acclaim Federal Credit UnionSuper SaverCD · 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: Must establish a Membership Savings account prior to opening. Early withdrawal penalties apply. Rates are variable and subject to change without notice.
Offer: Early withdrawal penalties apply.
3.35% interest rate · Effective Oct 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
3,253 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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