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 1186–1200 of 3,254 results
- Michigan United Credit UnionCertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 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.
3.25% interest rate · Effective Oct 23, 2026
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More details - Fisher National BankCertificate of Deposit (CDs)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Must come in to bank to complete account opening process. Substantial penalty for early withdrawal.
Offer: Interest Compounded Quarterly; 12 Month Interest Penalty
3.25% interest rate · Compounded quarterly · Effective Oct 16, 2026
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More details - Ripco Credit UnionShare CDCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Membership eligibility is required (live, work, or own property in Oneida, Forest, Florence, Vilas, Langlade, Lincoln, or Price County, or immediate family members of current Ripco members) and requires maintaining at least one $5.00 share in regular share savings.
3.25% interest rate
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More details - DeMotte State BankCertificate of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Automatically renewable. A penalty will be imposed for funds withdrawn prior to maturity. Fees may reduce earnings.
Offer: Automatically renewable. Early withdrawal penalty applies.
3.25% interest rate · Effective Oct 7, 2026
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More details - Listerhill Credit UnionStandard CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Assumes dividends remain on deposit until maturity. A Share Savings account is required. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings. Raise-My-Rate option and anytime deposit of $500 or more available.
3.25% interest rate · Effective Oct 9, 2026
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More details - Community Powered Federal Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Fixed dividend rate and APY for the term of the account. Dividends compounded and credited monthly; calculated using the Average Daily Balance method. No additional deposits permitted after opening. Automatically renewable with a 10-day grace period after maturity. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less, 180 days' dividends for terms of 12 to 36 months, and 365 days' dividends for terms greater than 36 months.
Effective Oct 5, 2026
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More details - Koin Credit UnionTerm CertificatesCD · 48 months
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Certificate rates are reviewed on a weekly basis and can change without notice.
3.25% interest rate · Effective Sep 28, 2026
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More details - Great Falls Federal Credit UnionShare Certificate of DepositCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Offer: Minimum deposit to earn dividends: $1000.00
3.25% interest rate · Effective Oct 3, 2026
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More details - First National BankCertificate of DepositCD · 48–59 months · $100 min
Bank · Add a location to see nearby branches
3.29%APYRequirements
Product: A penalty may be imposed for early withdrawal. APY on certificates of deposit with term lengths indicated in a range of days/months is calculated on the maximum term length.
Offer: Term is 48-59 months. APY calculated on maximum term length. Early withdrawal penalty may apply.
3.25% interest rate · Effective Oct 1, 2026
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More details - Los Alamos Schools Credit Union48 Month Certificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,0003.25% interest rate · Effective Sep 16, 2026
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More details - Oregonians Credit UnionBump CertificatesCD · 48 months · $2,500 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Member may bump the rate one (1) time to the current market rate - the new rate remains for the maturity which is based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.
Offer: Term days: 1461 – 1825.
3.24% interest rate · Effective Sep 30, 2026
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More details - Methuen Federal Credit UnionCertificate of Deposit (CDs)CD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Penalties may be imposed for early withdrawals.
3.25% interest rate · Effective Sep 21, 2026
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More details - Infirmary FCUShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Minimum deposit of $500 to open. Dividends compounded and paid quarterly. Penalty for early withdrawal. Automatically rolls over at maturity with a 10-day grace period.
3.25% interest rate · Effective Sep 1, 2026
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More details - Christian Family Credit UnionShare CertificatesCD · 48 months · $1,000 min · 3.29%–3.55% by balance
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Early withdrawals subject to penalty. Membership eligibility required. Opening minimum is $500 according to general disclosures, but rate schedule tiers begin at $1,000.
3.25% interest rate · Effective Oct 3, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $49,999Your amount 3.29% $50,000 and up 3.55% Rate checked
More details - Burlington Northtown Community Credit UnionCertificate of DepositCD · 48 months
Credit union · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,0003.25% interest rate
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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