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 1081–1095 of 3,254 results
- Great Basin Federal Credit UnionShare CertificateCD · 36–60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APYRequirements
Product: Share Certificates automatically renew upon maturity for the same term at current rates. Dividends paid quarterly; subject to early withdrawal penalties.
3.31% interest rate · Effective Aug 24, 2026
Rate checked
More details - Michigan First Credit Union48 Month Certificate AccountCD · 48 months · $1,000 min · 0.95%–3.66% by balance
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Minimum opening deposit $1,000. Balance tiers required to earn stated APY.
Offer: Balance $1,000 to $9,999 required.
0.95% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 48 Month Certificate Account Balance APY $1,000 – $9,999 0.95% $10,000 – $49,999Your amount 3.35% $50,000 – $99,999 3.45% $100,000 – $499,999 3.56% $500,000 and up 3.66% Rate checked
More details - Walker County Federal Credit UnionTerm Share AccountCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: A minimum deposit of $1,000.00 is required to open a Term Share Account. Terms available: 6 month, 12 month, 18 month, 24 month, 36 month, 48 month (also 9 month offered on rate schedule). Penalty for early withdrawal is equal to 90 days dividends for terms of 2 years or less, 120 days dividends for terms of 3 years or more. Additional deposits not allowed. Automatically renewable upon maturity. Dividends: Members Choice - paid quarterly added to CD principal balance or monthly added to S/D or R/S balance.
Offer: Compounded quarterly. Early withdrawal penalty applies.
3.35% interest rate · Compounded quarterly · Effective Oct 6, 2025
Rate checked
More details - SECNY Federal Credit UnionCertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly, or at maturity for 30 Day & 3 Month certificates. Automatically renews with a 10-day grace period. Substantial penalty for early withdrawal.
Offer: Dividends compounded and credited monthly. Account # 39.
3.30% interest rate · Effective Oct 21, 2026
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More details - FirstBank of NebraskaCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal. Rates are good through 10/27/2026.
Offer: Daily balance minimum to obtain APY. Early withdrawal penalty may apply.
Promotional rate · 3.31% interest rate · Effective Oct 27, 2026
Rate checked
More details - Franklin Trust Federal Credit UnionRegular CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Minimum balance on all share certificates: $1,000. Interest paid monthly. Substantial penalty for early withdrawal. 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.
Offer: 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.
3.30% interest rate
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More details - Rio Grande Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Rio Grande Credit Union membership is required. Assumes principal and interest remain on deposit for the term of the Certificate. Substantial penalties may be imposed for early withdrawal and could reduce earnings.
Offer: Substantial penalties may be imposed for early withdrawal and could reduce earnings.
3.30% interest rate · Effective Oct 22, 2026
Rate checked
More details - Metro Federal Credit UnionRegular Share CertificatesCD · 48 months · $1,000 min · 3.35%–4.02% by balance
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. Early withdrawals may be subject to a penalty. 7-day grace period on maturity.
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $1,000 – $24,999Your amount 3.35% $25,000 – $99,999 3.71% $100,000 and up 4.02% Rate checked
More details - Border FCUTerm Share Certificate (Certificate of Deposit)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Effective Oct 1, 2026
Rate checked
More details - Ashland Community Federal Credit UnionShare Certificates: JumboCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,0003.31% interest rate · Effective Sep 25, 2026
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More details - Logix Federal Credit UnionRegular CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Gold Tier APY. 48-Month term.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - St. Thomas Credit UnionShare Certificate DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Interest posted at maturity. Fixed interest rate. Dividends posted at maturity. Early withdrawal penalty may apply.
Offer: Interest posted at maturity.
3.35% interest rate · Effective Jun 1, 2026
Rate checked
More details - Sterling United FCUTerm Certificate of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Early withdrawals are subject to 180 days penalty on earned or unearned dividends. Fees could reduce earnings on the account.
Offer: Early withdrawals are subject to 180 days penalty on earned or unearned dividends.
3.30% interest rate · Effective Oct 15, 2026
Rate checked
More details - Milford FederalCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Penalty for early withdrawal. Interest is compounded monthly. Deposits are accepted from residents of Massachusetts, Rhode Island and Windham County Connecticut only. All accounts are subject to approval.
3.30% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - RadiFi Credit Union48-Month Term CertificateCD · 48 months · $500 min · 3.35%–3.85% by balance
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
3.30% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 48-Month Term Certificate Balance APY $500 – $2,500 3.35% $2,500 – $25,000Your amount 3.35% $25,000 – $50,000 3.35% $50,000 – $100,000 3.45% $100,000 – $250,000 3.50% $250,000 – $500,000 3.55% $500,000 – $750,000 3.75% $750,000 – $1,000,000 3.85% $1,000,000 and up 3.85% 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
3,254 CDs at 2,919 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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