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 1111–1125 of 3,254 results
- Market USA Federal Credit UnionCertificateCD · 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: Minimum deposit for most certificates is $500 ($100 for 12 Month Accumulator). Preferred rates require eStatements (and direct deposit of net pay / at least $500/month for standard terms). Dividends are compounded daily and credited monthly.
Offer: Preferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services.
Compounded daily · Effective Oct 3, 2026
Rate checked
More details - New Dimensions Federal Credit UnionShare 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: Membership eligibility required. Early withdrawal penalties apply. Rates effective October 1, 2026.
Offer: Early withdrawal penalty of 720 days dividends.
3.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - ACPE Federal Credit UnionShare CertificatesCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Rollover incentives available for share certificates.
Offer: Rollover incentives available for share certificates.
3.30% interest rate
Rate checked
More details - DEXSTA Federal Credit UnionRegular Share 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: Membership eligibility required. A minimum balance of $1,000 is required to earn the disclosed APY. Dividends are compounded monthly and calculated using the daily balance method. Early withdrawal penalties apply.
Offer: Early withdrawal penalty equals the lesser of dividends since issuance or 180 days' dividends.
3.30% interest rate · Compounded monthly · Effective Sep 23, 2026
Rate checked
More details - tMH Federal Credit UnionShare 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: Rates fixed for term. Compounded monthly. Daily balance method to calculate minimum balance to obtain APY. Fees may reduce earnings. Membership subject to eligibility.
Offer: Compounded monthly. Daily balance method.
3.30% interest rate · Compounded monthly · Effective Jan 29, 2026
Rate checked
More details - Members' Advantage Credit UnionShare 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: Early withdrawal will result in penalty.
3.30% interest rate
Rate checked
More details - Ohio Healthcare FCURegular CertificatesCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Rates fixed for term. Early withdrawal penalty applies: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Insured by NCUA up to $250,000.
3.29% interest rate · Compounded daily · Effective Apr 1, 2026
Rate checked
More details - Susser BankCertificates of Deposit (CD)CD · 48 months · $1,000 min · 3.25%–3.35% by balance
Bank · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: CD APY assumes principal and interest remain on deposit until maturity. Periodic payout of interest is required (interest earned paid via direct deposit). Penalty for early withdrawal. Rates subject to change without notice.
Offer: Rate for balances ≤ $250,000. APY cannot remain on CD; periodic payout of interest is required.
3.30% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CD) Balance APY Up to $250,000Your amount 3.35% $250,000 and upReduced rate applies. 3.25% Rate checked
More details - Kansas City Credit UnionShare Certificates of Deposit (CDs)CD · 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: Certificate dividends are paid at maturity.
Offer: Certificate dividends are paid at maturity.
3.35% interest rate
Rate checked
More details - Provident Credit UnionFixed Rate CertificateCD · 48 months · $1,000 min · 3.35%–3.45% by balance
Credit union · Add a location to see nearby branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Must open a Membership Savings Account prior to opening. Age 18 and up or have a joint owner. Early withdrawal penalties apply.
3.30% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate Balance APY $1,000 and upYour amount 3.35% $50,000 and up 3.40% $100,000 and up 3.45% Rate checked
More details - Meridian Trust Federal Credit UnionCertificatesCD · 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: Membership required. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Early withdrawal penalty applies (90 days dividends for maturity <= 12 months, 180 days dividends for maturity > 12 months).
3.30% interest rate · Effective Sep 1, 2026
Rate checked
More details - Qualstar Credit UnionShare CertificateCD · 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: Tiered rate structure pays based on the total balance of all certificates held. Early withdrawal penalty may apply.
Offer: Dividends compound and credit monthly.
3.30% interest rate · Effective Apr 1, 2025
Rate checked
More details - Michigan United Credit UnionCertificateCD · 48 months · $10,000 min
Credit union · Add a location to see nearby branches
3.34%APY$1,404 over 48 months on $10,000Requirements
Product: Early withdrawals are subject to a penalty equal to 90 days' interest, which may reduce the principal. APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, interest will not compound and APY will not apply; only the stated interest rate will apply.
Offer: Early withdrawals are subject to a penalty equal to 90 days' interest. APY assumes interest remains in the certificate and is compounded.
3.30% interest rate · Effective Oct 23, 2026
Rate checked
More details - Bank of Travelers RestCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.34%APY$1,404 over 48 months on $10,0003.30% interest rate · Effective Oct 20, 2026
Rate checked
More details - First National Bank of WaterlooCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.34%APY$1,404 over 48 months on $10,000Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.
3.30% interest rate · Effective Oct 16, 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 2,919 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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