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 1261–1275 of 3,254 results
- TruPartner Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Minimum investment is $500. Rates available for Regular, TruBenefits, and TruAdvantage membership tiers. Early withdrawal penalty applies.
Offer: Regular APY membership tier
Effective Sep 1, 2026
Rate checked
More details - 3.25%APY$1,365 over 48 months on $10,000
Requirements
Product: Standard Certificate requires $500 minimum deposit, deposited once at account opening and remaining in place until maturity. Monthly dividends. Rollover at maturity with 10-day grace period. Early standard certificate withdrawals penalty: 50% of remaining unearned interest or 180 days worth of interest.
Rate checked
More details - Marion County BankCertificates of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Minimum deposit of $1,000. Interest compounded and credited at maturity, quarterly, or semi-annually depending on term/product. Early withdrawal subject to penalty.
Offer: Interest compounded and credited semi-annually.
3.22% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.25%APY$1,365 over 48 months on $10,000
Requirements
Product: $1,000 Minimum Deposit. Interest compounded and credited semi-annually. Withdrawal without penalty allowed once per calendar year up to 10% of the current balance. Not available on public funds, IRA, or HSA Accounts.
Offer: Interest compounded and credited semi-annually. Penalty-free withdrawal allowed once per calendar year up to 10% of balance.
3.22% interest rate · Effective Sep 29, 2026
Rate checked
More details - West Community Credit UnionCertificates of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply. A withdrawal may reduce earnings. Membership eligibility required.
Offer: Subject to early withdrawal penalty.
Promotional rate · 3.20% interest rate
Rate checked
More details - Financial Plus Credit UnionCertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Offer: $500 minimum deposit
3.21% interest rate · Effective Oct 1, 2026
Rate checked
More details - Jolt Credit UnionShare Certificate AccountCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Compounding and crediting frequencies vary by term (monthly or quarterly). Early withdrawal penalties and fees may reduce earnings. 39 Month Bump Up allows a rate increase once during the term.
Offer: Compounded quarterly and paid quarterly.
3.21% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - Auto-Owners Associates Credit UnionTerm Share (CD)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000intro rateRequirements
Product: Minimum deposit amount of $500. Compound monthly interest, if added back to principle. One time rate increase on 36 month – 60 month term shares. Early term withdrawal with penalty.
Offer: One time rate increase on 36 month – 60 month term shares.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - CoVantage Credit UnionShare CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Dividends compounded and paid quarterly. A penalty may be imposed for early withdrawal of funds. Terms range from 3 months to 5 years.
Offer: MaxYield Rate
3.21% interest rate · Effective Oct 5, 2026
Rate checked
More details - Black River Country BankYOUR. CD.CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Minimum $1,000 one-time opening deposit. Interest is compounded quarterly. May not make withdrawals of principal from the account until the maturity date. Substantial penalty for early withdrawal. Automatically renewable.
Offer: Substantial penalty for early withdrawal. Interest is compounded quarterly.
3.21% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Citizens State Bank of LoyalCertificate Of DepositsCD · 48 months · $1,000 min · 2.25%–3.35% by balance
Bank · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: APY calculated using monthly compounding. Penalty for early withdrawal.
Offer: Monthly compounding. Penalty for early withdrawal.
2.23% interest rate
Rate by balance
Rate by balance for Certificate Of Deposits Balance APY $1,000 – $10,000 2.25% $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.30% $100,000 and up 3.35% Rate checked
More details - WEA Credit UnionShare Certificates (CDs)CD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Fixed dividend rate. Early withdrawal penalties may apply. Special rates available for CDs of $100,000 or more.
Offer: Paid quarterly
3.21% interest rate
Rate checked
More details - Badger Globe Credit UnionShare CertificateCD · 48 months · $2,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Minimum balance required to obtain APY is $2,000 ($1,000 for children under 18). Penalty for early withdrawal.
Offer: Minimum balance to obtain APY is $1,000 for children under the age of 18.
3.20% interest rate · Effective Sep 25, 2026
Rate checked
More details - Credit Union of AmericaShare CertificatesCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Membership required. Minimum $500 to open. Dividends paid monthly. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval.
3.20% interest rate · Effective Sep 29, 2026
Rate checked
More details - Southeast Financial Credit UnionShare CertificateCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,365 over 48 months on $10,000Requirements
Product: Early withdrawal penalty: all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months. 7-calendar-day grace period after maturity. Optional checking relationship provides bonus 0.15% APY on new certificates.
Effective Oct 1, 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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