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4 Year CD Rates

Compare rates on 4 year CDs from banks and credit unions. Use the filter box below to customize your results. You can also use our Early Withdrawal Penalty Calculator to compare a 4-year CD rate to the effective APY of a CD with a longer term and higher rate that is broken at the 4-year mark.

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Deposit Amount | $1 $100,000
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Alliant Credit Union48 - 60 Month Share CD13 Reviews2.10%$1k-$2,150
DETAILS
Melrose Credit Union4 Year Share Certificate15 Reviews2.02%$5k-$2,082
DETAILS
Nationwide Bank48 Month CD9 Reviews1.85%$500-$1,907
DETAILS
EverBank4 Year Yield Pledge CD13 Reviews1.85%$1,500-$1,902
DETAILS
America's Credit Union 48 Month Term Promotional Standard Share Certificate1.80%$10k-$1,854
DETAILS
CIT Bank4 Year CD46 Reviews1.80%$1k-$1,849
DETAILS
Virtual Bank4 Year eCD5 Reviews1.79%$10k-$1,839
DETAILS
Bogota Savings Bank4 Year CD1.76%$1k-$1,807
DETAILS
Third Federal Savings and Loan (OH)49 Month CD Special2 Reviews1.75%$500-$1,840
DETAILS
Synchrony Bank48 Month CD12 Reviews1.75%$25k-$1,802
DETAILS
State Farm Bank48 Month CD16 Reviews1.75%--$1,802
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Columbia Bank (NJ)48 Month CD4 Reviews1.75%$500-$1,802
DETAILS
Oritani Bank4 Year CD1.75%$1k-$1,796
DETAILS
HAB Bank4 Year CD - Queens & NJ & Hicksville1.75%$1,500-$1,796
DETAILS
RSI BANK49 Month CD 1.70%$1k-$1,786
DETAILS
Barclays48 Month Online CD13 Reviews1.70%--$1,749
DETAILS
ableBanking4 Year CD1.65%$1k$240k$1,691
DETAILS
Discover Bank4 Year CD29 Reviews1.65%$2,500-$1,691
DETAILS
Kearny Federal Savings Bank4 Year StarBanking Plus CD1.65%$500-$1,691
DETAILS
Freedom Bank (NJ)48-59 Month CD1.65%$500-$1,678
DETAILS
Fort Knox Federal Credit Union46 Month CD Special12 Reviews1.65%$500-$1,623
DETAILS
Harvest Community Bank48 Month CD1.61%$500-$1,654
DETAILS
Cape Bank4 Year CD1.60%--$1,639
DETAILS
Lincoln Park Savings Bank4 Year CD1.60%$500-$1,639
DETAILS
Fulton Bank of New Jersey4 Year Promo Relationship Banking CD3 Reviews1.60%$500-$1,639
DETAILS
Digital Credit UnionJumbo 48 - 59 Month Certificate - Relationship Rate8 Reviews1.60%$25k-$1,626
DETAILS
Andrews Federal Credit Union48 Month Share Certificate9 Reviews1.56%$1k-$1,601
DETAILS
Patriot Bank48 Month CD4 Reviews1.55%$1k-$1,591
DETAILS
Lake Michigan Credit Union48 Month VIP CD36 Reviews1.55%$500-$1,591
DETAILS
Northrop Grumman Federal Credit Union48 Month Term CD 1.54%$2,500-$1,580
DETAILS
Citizens State Bank (FL)48 Month CD3 Reviews1.51%$1k-$1,549
DETAILS
CNB Bank Direct48 Month CD1 Review1.51%$1k$250k$1,549
DETAILS
Franklin Bank (NJ)48 Month Interest Credited Monthly CD1.51%$500-$1,549
DETAILS
South Jersey Federal Credit Union4 Year CD2 Reviews1.51%$1k-$1,545
DETAILS
Garden Savings Federal Credit Union4 Year Share Certificate1.51%$500-$1,545
DETAILS
Clifton Savings Bank50 Month CD1 Review1.50%$500-$1,605
DETAILS
Customers Bank48 Month CD16 Reviews1.50%$500-$1,538
DETAILS

Displaying 1-40 of 210 Results



4 Year CD Rate Trend

4-Year CD Rates

CDs come in a variety of shapes and sizes. The 4-year CD, or 48 month share certificate as it is sometimes called, is a longer term time deposit that provides a safe alternative to other market investments while issuing a decent return on principal. Opening a CD with a bank or credit union is typically an easy process and can be done via the institutions’ online banking platform.

What is a CD?

A CD, or certificate of deposit, is a deposit made to a financial institution for a specified, and agreed upon, period of time. CDs are illiquid and non-transactional accounts that come with rules governing their behavior and how they can be used. Early withdrawal penalties can eat a large percentage of interest earned by a CD, so it is best to make sure that you won’t be needing your deposit back until the CD’s maturity date.

The Barbell Strategy

A savvy investing strategy is Barbell investing. By opening several short term CDs as well as several long term CDs, you can take advantage of high interest rates while avoiding a drop-off in interest with the medium-term CDs. Because you will have short-term CDs maturing soon, you will be able to take advantage of medium-term CDs when their interest rates increase. 4-Year CDs would be on the “heavy” end of your barbell because they generally offer a high yield compared to that being offered by CDs on the other end.