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 1201–1215 of 3,254 results
- Kennett Trust BankCertificates 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: Penalty for early withdrawal. Fees may reduce earnings.
Offer: Penalty for early withdrawal. Fees may reduce earnings.
3.24% interest rate · Effective Jul 17, 2026
Rate checked
More details - Bank of Star ValleyCertificates of DepositCD · 48 months · $250 min
Bank · Add a location to see nearby branches
3.29%APY$1,382 over 48 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Offer: Early withdrawal penalty may apply.
3.25% interest rate
Rate checked
More details - First National Bank in Okawville, ILCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.28%APY$1,378 over 48 months on $10,000intro rateRequirements
Product: Substantial penalty on early withdrawal. Rates effective October 21, 2026 through October 27, 2026. Rates subject to change.
Offer: Term: 48 Month. Minimum Balance to Obtain APY: $500.
Promotional rate · 3.25% interest rate · Effective Oct 21, 2026
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More details - LNB Community BankCertificates of DepositCD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.28%APY$1,378 over 48 months on $10,000Requirements
Product: Penalties may apply for early withdrawal of funds. Interest earned can be added to Certificate, mailed by check, or deposited into an LNB Community Bank checking or savings account.
Offer: 4 Years Relationship
3.25% interest rate · Effective Sep 22, 2026
Rate checked
More details - Bridge BankCertificates of Deposit (CD)CD · 48 months · $500 min
Bank · Add a location to see nearby branches
3.28%APY$1,378 over 48 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National BankCertificate of DepositCD · 48 months · $1,000 min · 3.28%–3.43% by balance
Bank · Add a location to see nearby branches
3.28%APY$1,378 over 48 months on $10,000Requirements
Product: Deposit account rates may change after account opening. Penalty for early withdrawals may be applied to Time Deposit accounts (CDs). * Daily Balance is the amount of principal in the account each day. ** The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity and that you always satisfy the Minimum Balance Requirement. A withdrawal or fees could reduce earnings.
Offer: Term: 48 Months. Frequency of Compounding: Semi-annually. Frequency of Crediting: Semi-annually.
3.25% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and upYour amount 3.28% $100,000 and up 3.43% Rate checked
More details - Community State BankCertificate of DepositCD · 48 months · $1,000 min · 1.98%–3.28% by balance
Bank · Add a location to see nearby branches
3.28%APY$1,378 over 48 months on $10,000Requirements
Product: Fixed rate for entirety of term. Early withdrawal subject to penalty. Multiple reinvestment and cash-out options when term expires.
Offer: Minimum deposit of $1,000 to obtain APY. Early withdrawal subject to penalty.
Effective Jul 31, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and up 1.98% $10,000 and upYour amountMinimum deposit of $10,000 to obtain APY. 3.28% Rate checked
More details - Bank of Old MonroeCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.28%APY$1,378 over 48 months on $10,000Requirements
Product: Minimum opening balance of $1,000.00 to earn stated APY. Subject to penalty for early withdrawal. Rates accurate as of 1/26/2026 and subject to change without notice.
Offer: 48 Month term. Early withdrawal penalty may apply.
3.25% interest rate · Effective Jan 26, 2026
Rate checked
More details - New Republic BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.27%APY$1,374 over 48 months on $10,000Requirements
Product: Minimum balance of $1,000 required to obtain disclosed APY. Early withdrawal penalty may be imposed. Additional deposits during term not allowed.
3.22% interest rate · Effective Feb 20, 2026
Rate checked
More details - Southeast Michigan State EFCUCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.27%APY$1,374 over 48 months on $10,000Requirements
Product: Minimum balance: $500. Dividends calculated daily, paid quarterly. Available terms: 3 to 60 months. Monthly/Quarterly Low Balance Fees are Assessed on Accounts if the Actual Balance Falls Below $100 During the Period. Applicable Fees Assessed Against an Account May Reduce Earnings.
3.25% interest rate · Balance cap $49,999.99
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More details - Energy One Federal Credit UnionShare CertificateCD · 18–72 months · $500 min · 3.25%–3.35% by balance
Credit union · Add a location to see nearby branches
3.25%APYintro rateRequirements
Product: Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
Offer: Tier for balance $500
Promotional rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $1,000 3.25% $1,000 – $100,000Your amount 3.25% $100,000 and up 3.35% Rate checked
More details - Triangle Credit UnionTraditional CertificateCD · 36–59 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APYintro rateRequirements
Product: Minimum balance of $1,000. No additional deposits allowed during the term of the Certificate. Early withdrawal penalty applies (3 months dividends for terms 12 months or less, 6 months dividends for terms greater than 12 months). A 10-day grace period after maturity applies. Must maintain membership savings balance of $25.
Offer: No additional deposits allowed during the term of the Certificate. Early withdrawal penalty equals 6 months dividends.
Promotional rate · 3.20% interest rate
Rate checked
More details - BMO AltoAlto Online Certificates of Deposit (CDs)CD · 48 months · $0 min
Part of BMO · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Available to U.S. citizens and U.S. resident aliens 18 and older for individual or joint accounts. Cannot be opened in the name of a business, trust, or fiduciary capacity. Alto does not offer UTMA accounts or IRA CDs. Account must be funded within 10 days of opening or it will be closed. Funds may not be withdrawn for 15 days after initial funding. Early withdrawal penalties may apply. No fees charged.
Offer: Fixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding.
Effective Oct 25, 2026
Rate checked
More details - Northern Bank DirectCertificates of DepositCD · 48 months · $500 min
Part of Northern Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Eligibility is limited to consumers who apply online. Maximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
Offer: Maximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
3.20% interest rate · Effective Jul 8, 2026
Rate checked
More details - DCURegular CertificateCD · 48 months · $500 min
Part of First Tech Federal Credit Union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Minimum balance of $500 to open. Minimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty may apply: 3-11 months 60 days' dividend, 12-35 months 90 days' dividend, 36-60 months 180 days' dividend.
Offer: Minimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 180 days' dividend.
3.20% interest rate · Compounded daily · Effective Oct 25, 2026
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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