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Compare 4-year CD rates: We track the highest paying, nationally available 4-year CDs from federally insured banks and credit unions. Below we list the 48-month CDs in our database, ordered from highest APY to lowest.

Featured CD Rates

Bank/Credit Union

Min. Deposit

APY

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$1

3-month APY 5.21%
6-month APY 5.41%
12-month APY 5.51%

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$2500

12-month APY 5.00%
18-month APY 5.00%
24-month APY 4.30%

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$1

3-month APY 5.40%
6-month APY 4.00%
9-month APY 5.50%

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$1000

13-month APY 4.65%
18-month APY 4.60%
24-month APY 0.40%

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$500

6-month APY 5.05%
12-month APY 5.30%
24-month APY 4.50%

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$1

5-month APY 5.40%
12-month APY 4.20%
15-month APY 4.50%

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$1

14-month APY 5.40%
23-month APY 5.00%
27-month APY 5.15%

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No-penalty | 3-Month | 6-Month | 1-Year | 2-year | 3-year | 4-year | 5-year

4-Year Certificate of Deposit Rates

101 Results

United States Senate Federal Credit Union 48-months Plus Jumbo Business CD
United States Senate Federal Credit Union
48-months Plus Jumbo Business CD
APY
4.92%
Min
$200,000
Max
-
United States Senate Federal Credit Union 48-months Plus Jumbo CD
United States Senate Federal Credit Union
48-months Plus Jumbo CD
APY
4.92%
Min
$200,000
Max
-
United States Senate Federal Credit Union 48-months Jumbo Business CD
United States Senate Federal Credit Union
48-months Jumbo Business CD
APY
4.86%
Min
$100,000
Max
$200k
United States Senate Federal Credit Union 48-months Jumbo CD
United States Senate Federal Credit Union
48-months Jumbo CD
APY
4.86%
Min
$100,000
Max
$200k
United States Senate Federal Credit Union 48-months Plus Jumbo Bump Rate CD
United States Senate Federal Credit Union
48-months Plus Jumbo Bump Rate CD
APY
4.81%
Min
$200,000
Max
-
United States Senate Federal Credit Union 48-months CD
United States Senate Federal Credit Union
48-months CD
APY
4.81%
Min
$1,000
Max
$100k
United States Senate Federal Credit Union 48-months Business CD
United States Senate Federal Credit Union
48-months Business CD
APY
4.81%
Min
$1,000
Max
$100k
United States Senate Federal Credit Union 48-months Jumbo Bump Rate CD
United States Senate Federal Credit Union
48-months Jumbo Bump Rate CD
APY
4.76%
Min
$100,000
Max
$200k
United States Senate Federal Credit Union 48-months Bump Rate CD
United States Senate Federal Credit Union
48-months Bump Rate CD
APY
4.71%
Min
$1,000
Max
$100k
Crescent Bank 48-month CD
Crescent Bank
48-month CD
APY
4.55%
Min
$1,000
Max
-
First Internet Bank 48-months High Yield CD
First Internet Bank
48-months High Yield CD
APY
4.54%
Min
$1,000
Max
-
Bread Bank 4-Year CD
Bread Bank
4-Year CD
APY
4.50%
Min
$1,500
Max
$1,000k
Seattle Bank 48-month CD
Seattle Bank
48-month CD
APY
4.50%
Min
$1,000
Max
$220k
NexBank 48-month Standard CD
NexBank
48-month Standard CD
APY
4.45%
Min
$10,000
Max
$25k
Barclays Bank 48-month CD
Barclays Bank
48-month CD
APY
4.45%
Min
-
Max
-
Luana Savings Bank 48-month Jumbo CD
Luana Savings Bank
48-month Jumbo CD
APY
4.40%
Min
$100,000
Max
-
Alliant Credit Union 48 Month Jumbo CD
Alliant Credit Union
48 Month Jumbo CD
APY
4.35%
Min
$75,000
Max
-
Alliant Credit Union 48-month CD
Alliant Credit Union
48-month CD
APY
4.30%
Min
$1,000
Max
-
Popular Direct 48-months CD
Popular Direct
48-months CD
APY
4.30%
Min
$10,000
Max
-
La Capitol Federal Credit Union 4-Year Super Saver Share Certificate
La Capitol Federal Credit Union
4-Year Super Saver Share Certificate
APY
4.30%
Min
$100,000
Max
-
Langley Federal Credit Union 48-month CD
Langley Federal Credit Union
48-month CD
APY
4.25%
Min
$500
Max
-
Signature Federal Credit Union 48-month CD
Signature Federal Credit Union
48-month CD
APY
4.25%
Min
$500
Max
-
Luana Savings Bank 48-month CD
Luana Savings Bank
48-month CD
APY
4.24%
Min
$2,000
Max
$100k
Capital One Bank 360 48-months CD
Capital One Bank
360 48-months CD
APY
4.20%
Min
$1
Max
-
La Capitol Federal Credit Union 4-Year Mega Saver Share Certificate with One-time Bump
La Capitol Federal Credit Union
4-Year Mega Saver Share Certificate with One-time Bump
APY
4.20%
Min
$100,000
Max
-
NASA Federal Credit Union 48-month CD
NASA Federal Credit Union
48-month CD
APY
4.20%
Min
$1,000
Max
-
La Capitol Federal Credit Union 4-Year Thrifty Saver Share Certificate
La Capitol Federal Credit Union
4-Year Thrifty Saver Share Certificate
APY
4.10%
Min
$500
Max
-
TAB Bank 48-month CD
TAB Bank
48-month CD
APY
4.05%
Min
$1,000
Max
-
TAB Bank 48-month Business CD
TAB Bank
48-month Business CD
APY
4.05%
Min
$1,000
Max
-
EverBank 4-Year CD
EverBank
4-Year CD
APY
4.05%
Min
$1,000
Max
-
American First Credit Union 48-month Promo CD
American First Credit Union
48-month Promo CD
APY
4.00%
Min
$1,000
Max
-
Synchrony Bank 48-month CD
Synchrony Bank
48-month CD
APY
4.00%
Min
$1
Max
-
Discover Bank 4-year IRA CD
Discover Bank
4-year IRA CD
APY
4.00%
Min
$2,500
Max
-
America First Credit Union 48-59 months CD
America First Credit Union
48-59 months CD
APY
4.00%
Min
$500
Max
-
Marcus by Goldman Sachs 4-Year CD
Marcus by Goldman Sachs
4-Year CD
APY
4.00%
Min
$500
Max
$1,000k
Discover Bank 4-Year High Yield CD
Discover Bank
4-Year High Yield CD
APY
4.00%
Min
$2,500
Max
-
Chevron Federal Credit Union 48-months Share Certificate
Chevron Federal Credit Union
48-months Share Certificate
APY
3.95%
Min
$250,000
Max
-
UmbrellaBank 48-month CD
UmbrellaBank
48-month CD
APY
3.95%
Min
$10,000
Max
-
Spectrum Credit Union 48-months Share Certificate
Spectrum Credit Union
48-months Share Certificate
APY
3.95%
Min
$250,000
Max
-
Chevron Federal Credit Union 48-months Share Certificate
Chevron Federal Credit Union
48-months Share Certificate
APY
3.90%
Min
$100,000
Max
-
Spectrum Credit Union 48-months Share Certificate
Spectrum Credit Union
48-months Share Certificate
APY
3.90%
Min
$100,000
Max
-
Chevron Federal Credit Union 48-months Share Certificate
Chevron Federal Credit Union
48-months Share Certificate
APY
3.85%
Min
$500
Max
-
Chevron Federal Credit Union 48-months Share Certificate
Chevron Federal Credit Union
48-months Share Certificate
APY
3.85%
Min
$50,000
Max
-
Spectrum Credit Union 48-months Share Certificate
Spectrum Credit Union
48-months Share Certificate
APY
3.85%
Min
$500
Max
-
Spectrum Credit Union 48-months Share Certificate
Spectrum Credit Union
48-months Share Certificate
APY
3.85%
Min
$50,000
Max
-
America First Credit Union 48-59 months Bump-Rate CD
America First Credit Union
48-59 months Bump-Rate CD
APY
3.85%
Min
$500
Max
-
Ally Bank 4-Year Raise Your Rate CD
Ally Bank
4-Year Raise Your Rate CD
APY
3.75%
Min
$1
Max
-
Virtual Bank 48-month CD
Virtual Bank
48-month CD
APY
3.67%
Min
-
Max
-
MainStreet Bank 4-Year CD
MainStreet Bank
4-Year CD
APY
3.50%
Min
$500
Max
-
MainStreet Bank 4-Year Business CD
MainStreet Bank
4-Year Business CD
APY
3.50%
Min
$500
Max
-
Teachers Federal Credit Union 48-month CD
Teachers Federal Credit Union
48-month CD
APY
3.50%
Min
$1,000
Max
$100k
USALLIANCE Financial 48-month CD
USALLIANCE Financial
48-month CD
APY
3.40%
Min
$500
Max
-
Citizens Access 4-Year Online High Yield CD
Citizens Access
4-Year Online High Yield CD
APY
3.40%
Min
$5,000
Max
-
Fort Liberty Federal Credit Union 48-months Jumbo Share Certificate
Fort Liberty Federal Credit Union
48-months Jumbo Share Certificate
APY
3.25%
Min
$25,000
Max
-
Bank Financial 4-Year CD
Bank Financial
4-Year CD
APY
3.25%
Min
$1,000
Max
-
Bank Financial 4-Year Business CD
Bank Financial
4-Year Business CD
APY
3.25%
Min
$1,000
Max
-
Magnifi Financial 48-month Jumbo CD
Magnifi Financial
48-month Jumbo CD
APY
3.25%
Min
$150,000
Max
-
UNIFY Financial Credit Union 48-month Jumbo CD
UNIFY Financial Credit Union
48-month Jumbo CD
APY
3.20%
Min
$100,000
Max
-
Fort Liberty Federal Credit Union 48-months Share Certificate
Fort Liberty Federal Credit Union
48-months Share Certificate
APY
3.15%
Min
$500
Max
-
Magnifi Financial 48-month Jumbo CD
Magnifi Financial
48-month Jumbo CD
APY
3.15%
Min
$100,000
Max
$150k
Magnifi Financial 48-month CD
Magnifi Financial
48-month CD
APY
3.10%
Min
$50,000
Max
$100k
Magnifi Financial 48-month CD
Magnifi Financial
48-month CD
APY
3.05%
Min
$25,000
Max
$50k
UNIFY Financial Credit Union 48-month CD
UNIFY Financial Credit Union
48-month CD
APY
3.05%
Min
$40,000
Max
-
United Texas Bank 48-month CD
United Texas Bank
48-month CD
APY
3.02%
Min
$1,000
Max
-
United Texas Bank 48-month Business CD
United Texas Bank
48-month Business CD
APY
3.02%
Min
$1,000
Max
-
Liberty Federal Credit Union 4-Year CD
Liberty Federal Credit Union
4-Year CD
APY
3.00%
Min
$1,000
Max
-
Magnifi Financial 48-month CD
Magnifi Financial
48-month CD
APY
3.00%
Min
$500
Max
$25k
UNIFY Financial Credit Union 48-month CD
UNIFY Financial Credit Union
48-month CD
APY
2.90%
Min
$1,000
Max
-
NuVision Credit Union 4-Year Jumbo CD
NuVision Credit Union
4-Year Jumbo CD
APY
2.85%
Min
$100,000
Max
-
NuVision Credit Union 4-Year CD
NuVision Credit Union
4-Year CD
APY
2.80%
Min
$50,000
Max
-
Thrivent Credit Union 48-month CD
Thrivent Credit Union
48-month CD
APY
2.80%
Min
$1,000
Max
-
Amerant Bank 48-month CD
Amerant Bank
48-month CD
APY
2.75%
Min
$10,000
Max
$250k
Amerant Bank 48-month Online CD
Amerant Bank
48-month Online CD
APY
2.75%
Min
$500
Max
$250k
Amerant Bank 48-month Online CD
Amerant Bank
48-month Online CD
APY
2.75%
Min
$500
Max
$250k
NuVision Credit Union 4-Year CD
NuVision Credit Union
4-Year CD
APY
2.75%
Min
$25,000
Max
-
XCEL Federal Credit Union 48-months New Money CD
XCEL Federal Credit Union
48-months New Money CD
APY
2.75%
Min
$500
Max
-
Credit Union of the Rockies 48-month CD
Credit Union of the Rockies
48-month CD
APY
2.75%
Min
$500
Max
-
Credit Union of the Rockies 48-month Baby-Jumbo CD
Credit Union of the Rockies
48-month Baby-Jumbo CD
APY
2.75%
Min
$50,000
Max
-
NuVision Credit Union 4-Year CD
NuVision Credit Union
4-Year CD
APY
2.70%
Min
$1,000
Max
-
Citibank 4-Year Fixed Rate CD
Citibank
4-Year Fixed Rate CD
APY
2.50%
Min
$500
Max
-
Affinity Plus Federal Credit Union 48-month CD
Affinity Plus Federal Credit Union
48-month CD
APY
2.50%
Min
$500
Max
-
Ponce Bank 48-month CD
Ponce Bank
48-month CD
APY
2.50%
Min
$1,000
Max
-
EverBank 4-Year Business CD
EverBank
4-Year Business CD
APY
2.50%
Min
$1,500
Max
-
Zeal Credit Union 48-months Jumbo CD
Zeal Credit Union
48-months Jumbo CD
APY
2.30%
Min
$100,000
Max
-
Zeal Credit Union 48-months CD
Zeal Credit Union
48-months CD
APY
2.20%
Min
$25,000
Max
$100k
Zeal Credit Union 48-months CD
Zeal Credit Union
48-months CD
APY
2.10%
Min
$1,000
Max
$25k
American Bank 48-month CD
American Bank
48-month CD
APY
2.00%
Min
$500
Max
-
American Bank 48-month Business CD
American Bank
48-month Business CD
APY
2.00%
Min
$500
Max
-
Newtek Bank 48-month CD
Newtek Bank
48-month CD
APY
2.00%
Min
$2,500
Max
$250k
Live Oak Bank 4-Year CD
Live Oak Bank
4-Year CD
APY
2.00%
Min
$2,500
Max
$250k
Live Oak Bank 4-Year Business CD
Live Oak Bank
4-Year Business CD
APY
2.00%
Min
$2,500
Max
$250k
Ponce Bank 48-month High Yield CD via Raisin
Ponce Bank
48-month High Yield CD via Raisin
APY
1.61%
Min
$1
Max
-
Third Federal Savings & Loan 48-months CD
Third Federal Savings & Loan
48-months CD
APY
1.50%
Min
$50
Max
-
American First Credit Union 48-month CD
American First Credit Union
48-month CD
APY
1.35%
Min
$1,000
Max
-
American Express Bank 48-Month CD
American Express Bank
48-Month CD
APY
1.20%
Min
$1
Max
-
Continental Bank 4-Year High Yield CD
Continental Bank
4-Year High Yield CD
APY
1.15%
Min
$25,000
Max
-
CIT Bank 4-Year Term CD
CIT Bank
4-Year Term CD
APY
0.50%
Min
$1,000
Max
-
CIT Bank 4-Year Jumbo CD
CIT Bank
4-Year Jumbo CD
APY
0.50%
Min
$100,000
Max
-
BrioDirect 48-month High Yield CD
BrioDirect
48-month High Yield CD
APY
0.45%
Min
$500
Max
-
Nationwide by Axos Bank 48-month CD
Nationwide by Axos Bank
48-month CD
APY
0.20%
Min
$500
Max
-
BMO Harris Bank 48-month Standard CD*
BMO Harris Bank
48-month Standard CD*
APY
0.15%
Min
$1,000
Max
-

Rob Berger is the founder of Dough Roller and the Dough Roller Money Podcast. A former securities law attorney and Forbes deputy editor, Rob is the author of the book Retire Before Mom and Dad. He educates independent investors on his YouTube channel and at RobBerger.com.