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 1171–1185 of 3,254 results
- VacationLand Federal Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
Rate checked
More details - Alliance Community BankCertificates of Deposit (CDs)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal.
Offer: A penalty will or may be imposed for early withdrawal.
3.25% interest rate · Effective Sep 24, 2026
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.25% interest rate · Compounded monthly
Rate checked
More details - SPC Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Certificate rates are fixed for the term of the account. A penalty will be imposed for early withdrawal. Dividends compounded and credited monthly.
3.25% interest rate · Effective Jun 26, 2026
Rate checked
More details - Healthcare Systems Federal Credit UnionShare CertificateCD · 48 months · $1,000 min · 3.20%–3.30% by balance
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Dividends compounded daily, credited quarterly. Early withdrawal penalty may be imposed. Bump-up option available for 36-month term or longer to increase rate once to current published equivalent term rate.
Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.20% $10,000 and upYour amount 3.30% Rate checked
More details - Advanced Financial Federal Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Early withdrawal penalty is 90 days' (3 months') dividends. Dividends calculated and posted monthly.
3.25% interest rate · Effective Sep 17, 2026
Rate checked
More details - Members Choice Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Membership is required. Minimum opening balance and to earn APY is $1,000.00. Early withdrawal penalty is 90 days of dividends.
3.25% interest rate · Effective Jul 1, 2026
Rate checked
More details - LG&E Co. Credit UnionCertificates of Deposit (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Special terms and rates are offered periodically. 10-day grace period at maturity. Penalties for early withdrawal. Dividends are paid monthly and are calculated on the actual daily balance.
3.25% interest rate · Effective Jul 1, 2026
Rate checked
More details - RiverFall Credit UnionShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawal penalty applies: 90 days dividends for 6- and 12-month terms, 180 days dividends for 18-month terms and above. Dividends computed on average daily balances of $500 or more.
Promotional rate · 3.25% interest rate
Rate checked
More details - Craft BankCertificates of DepositCD · 48 months · $1,000 min · 3.30%–3.57% by balance
Bank · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Interest rates may change after account opening. Fees may reduce earnings on account.
3.25% interest rate · Effective Nov 14, 2024
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.30% $250,000 and up 3.57% Rate checked
More details - Frontier Community Credit UnionRegular CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000 - Bonanza Valley State BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Interest credited quarterly. Early withdrawal penalties apply.
Offer: Penalties may apply for early withdrawal.
3.26% interest rate
Rate checked
More details - Foothills Credit UnionCertificate of Deposit (CD)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Fixed rate at a fixed term. Automatic renewal at maturity for the same term at the current market rate. Early withdrawal penalty is 90 days worth of interest.
3.26% interest rate · Effective Dec 19, 2025
Rate checked
More details - County Credit UnionCertificates of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000intro rateRequirements
Product: A minimum deposit may be required, and there may be penalties for early withdrawal.
Promotional rate · Effective Sep 1, 2026
Rate checked
More details - Rimrock Credit UnionShare CertificatesCD · 48 months · $2,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,387 over 48 months on $10,000Requirements
Product: Early Withdraw Penalty: 180 Dividend Days. Dividends calculated daily, paid monthly. Rates accurate as of November 2014. Membership requires $25 deposit into Share Savings Account.
Offer: Early Withdraw Penalty: 180 Dividend Days
3.30% interest rate
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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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