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 1336–1350 of 3,254 results
- Southern Chautauqua Federal Credit UnionShare CertificatesCD · 48 months · $250 min
Credit union · Add a location to see nearby branches
3.23%APY$1,354 over 48 months on $10,000Requirements
Product: Interest can be paid monthly or yield can increase through reinvestment of interest. No risk of principal loss. Early withdrawal penalty up to 180 days of interest. Insured up to $250,000 through NCUA.
Offer: Penalty for early withdrawal.
3.18% interest rate · Effective Oct 19, 2026
Rate checked
More details - Citizens Federal Savings and LoanPrincipal Plus CDCD · 38–50 months · $500 min
Bank · Add a location to see nearby branches
3.20%APYRequirements
Product: Choose term between 38 to 64 months. Deposits in a minimum amount of $100.00 may be added without extending maturity or changing term/rate. One-time per-term option to request a rate change without extending maturity. Early withdrawal penalties apply.
Offer: Minimum additional deposit amount is $100.00. One-time per-term option to request a rate change without extending maturity.
3.15% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.20%APY$1,343 over 48 months on $10,000
Requirements
Offer: Branch account with $1,000 minimum deposit
Effective Oct 23, 2026
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More details - Bay Area Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Terms from 6 to 60 months. Dividends can be withdrawn or added to the certificate. $1,000 minimum deposit to open.
Effective Oct 23, 2026
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More details - Eagle Community Credit Union$1,000 Term Share CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Early withdrawal penalties apply (up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends).
3.15% interest rate · Effective Oct 23, 2026
Rate checked
More details - Members Cooperative Credit UnionMembersPlus Share CertificateCD · 48 months · $1,000 min · 3.20%–3.30% by balance
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000with conditionsRequirements
Product: MembersPlus accounts require at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
Offer: Requires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for MembersPlus Share Certificate Balance APY $1,000 and upYour amount 3.20% $100,000 and up 3.30% Rate checked
More details - Legacy BankCertificates of Deposit (CD)CD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Interest compounded quarterly for terms of 6 months or greater; paid at maturity for 4-week and 13-week terms. Automatic renewal with 10-day grace period. Early withdrawal subject to penalty. Fees may reduce earnings. Must be at least 16 years of age, a Kansas resident, and not a resident alien to open online.
Offer: 4 Year term. Interest compounded quarterly.
3.16% interest rate · Compounded quarterly
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More details - First Flight Credit UnionShare CertificatesCD · 48 months · $500 min · up to $10,000
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000on balances up to $10,000Requirements
Product: Minimum deposit to open account is $500 for rate tier 1 and $10,000 for rate tier 2. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in Primary Savings. Early withdrawal penalties apply.
Offer: Term: 48 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply.
3.15% interest rate
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More details - Charter BankCertificate of DepositCD · 48 months · $1,000 min
Bank · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Offer: Penalty for early withdrawal: 180 days
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - Ingersoll Rand Federal Credit UnionShare CertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Dividends reported annually via 1099-INT. Early withdrawal penalties apply. Rate is based on date/time funds received and processed. NCUA insured.
Effective Oct 16, 2026
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More details - Greater Cincinnati Credit UnionRegular Share CertificatesCD · 48 months · $300 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: All Term Certificates are subject to penalties for early withdrawal. Dividends Paid Monthly.
Offer: Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account
3.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Greater Cincinnati Credit UnionOne Up Share CertificatesCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate. All Term Certificates are subject to penalties for early withdrawal. Dividends Paid Monthly.
Offer: Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account
3.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Community Bank of CameronCertificate of Deposit (CD)CD · 48 months · $1,000 min · 3.00%–3.25% by balance
Bank · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Compounded quarterly. Early withdrawal penalties may apply.
Offer: 48 Month term.
2.97% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and up 3.00% $10,000 and upYour amount 3.20% $20,000 and up 3.25% Rate checked
More details - United Financial Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty applies. Dividends compounded and credited daily/monthly.
Offer: Minimum balance to earn APY is $500.
3.15% interest rate · Effective Oct 5, 2026
Rate checked
More details - WeStreet Credit UnionCertificateCD · 48 months · $1,000 min
Credit union · Add a location to see nearby branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty may be imposed. Fees could reduce earnings. 7-month Certificate automatically renews into a 6-month Certificate; all other terms automatically renew with the same term. No maintenance fees.
Offer: Quarterly compounding. Early withdrawal penalty may be imposed.
3.16% interest rate · Compounded quarterly · Effective Oct 1, 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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