4 Year CD Rates in Kentucky
Compare 4 year certificate of deposit rates in Kentucky. Rates on CD products can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of four year CD rates available in Kentucky. If we have missed a local bank in your area please contact us and let us know by using the email link below
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Start SavingAlly Bank Raise Your Rate 4-Year CDAPY 1.45% Min N/A Max N/A Earnings Est. $1,482
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 48 Month CDAPY 1.00% Min N/A Max N/A Earnings Est. $1,018
Sponsored Note: 
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 48 Month CDAPY 1.00% Min N/A Max N/A Earnings Est. $1,018Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Christian Community Credit Union | 2.25% | $1k | $250k | $2,334 | 48 - 59 Month Kingdom Builder Certificates - New Money Only | |
| East Ky Employees Credit Union | 2.25% | $500 | - | $2,334 | 48 Month CD | |
| Bank of Clarkson | 2.01% | $500 | - | $2,077 | 48 Month CD | |
| Leitchfield Deposit Bank & Trust Company | 2.00% | $500 | - | $2,067 | 48 Month CD | |
| The Cecilian Bank | 2.00% | $1k | - | $2,061 | 4 Year Fixed CD | |
| Semc Credit Union | 2.00% | $1k | - | $2,067 | 48 Month CD | |
| Melrose Credit Union | 1.96% | $5k | - | $2,018 | 4 Year Share Certificate | |
| Springfield State Bank | 1.91% | $500 | - | $1,965 | 4 Year CD | |
| Wings Financial Credit Union | 1.87% | $500 | - | $1,923 | 4 Year Dividend Paid Monthly Share Certificate | |
| American Airlines Credit Union | 1.81% | $10k | - | $1,860 | 48 Month CD | |
| Alliant Credit Union | 1.80% | $1k | - | $1,854 | 48 - 59 Month Share CD | |
| Hanscom Credit Union | 1.80% | $1k | - | $1,854 | 48 Month CD Special | |
| Self-Help Credit Union | 1.77% | $500 | - | $1,823 | 48 Month CD | |
| The Peoples Bank of Bullitt County | 1.76% | $1k | - | $1,812 | 48 Month CD | |
| The Farmers Bank (KY) | 1.76% | $500 | - | $1,812 | 48 Month CD | |
| Kraftcor Credit Union | 1.76% | - | - | $1,812 | 48 Month Share Certificate | |
| First State Bank (KY) | 1.76% | $100 | - | $1,812 | 48 Month CD | |
| Justice Federal Credit Union | 1.75%* | $500 | - | $1,796 | 48 Month CD | |
| Citizens First Bank, Inc. | 1.75% | $500 | - | $1,802 | 48 Month CD | |
| Kentucky Neighborhood Bank | 1.75% | $500 | - | $1,802 | 48 Month CD | |
| Kemba Louisville Credit Union | 1.75% | $500 | - | $1,802 | 48 Month CD | |
| Pentagon Federal Credit Union | 1.74% | $1k | - | $1,786 | 4 Year Money Market Cerificate | |
| Andrews Federal Credit Union | 1.71% | $1k | - | $1,754 | 48 Month CD | |
| Winchester Federal Bank | 1.71% | $500 | - | $1,754 | 4 Year CD | |
| United States Senate Credit Union | 1.70%* | $20k | $100k | $1,749 | 48 Month Smart CD | |
| Northwest Federal Credit Union | 1.66%* | $25k | - | $1,702 | 4 Year CD | |
| West Point Bank | 1.66% | $100 | - | $1,707 | 48 Month CD | |
| Fort Campbell Credit Union | 1.65% | $1k | - | $1,696 | 48 Month Share Certificate | |
| The Lincoln National Bank of Hodgenville | 1.65% | $500 | - | $1,696 | 48 Month CD | |
| Members Heritage Credit Union | 1.61% | $500 | - | $1,649 | 4 Year CD | |
| Members Choice CU (KY) | 1.61% | - | - | $1,654 | 48 Month Share CD | |
| Home Savings Bank, FSB | 1.61% | $500 | - | $1,654 | 48 Month CD | |
| Fort Knox Federal Credit Union | 1.60% | $500 | - | $1,643 | 48 Month CD | |
| Digital Credit Union | 1.60% | $25k | - | $1,643 | Jumbo 48 - 59 Month Certificate - Relationship Rate | |
| Jefferson County Federal Credit Union | 1.60% | $500 | - | $1,643 | 48 Month Share Certificate | |
| Kentucky Telco Federal Credit Union | 1.60% | $500 | - | $1,643 | 48 Month Share Certificate Account | |
| RTN Federal Credit Union | 1.60%* | $1k | - | $1,639 | 48 Month CD | |
| American Bank & Trust Company, Inc. | 1.60% | $1k | - | $1,639 | 48 Month CD | |
| Barclays | 1.60% | - | - | $1,643 | 48 Month Online CD | |
| Navy Federal Credit Union | 1.60%* | $20k | - | $1,639 | 4 Year CD | |
| Nationwide Bank | 1.55%* | - | - | $1,591 | 48 Month CD | |
| Park Community Federal Credit Union | 1.55% | $500 | - | $1,586 | 48 Month Share Certificate | |
| Bank of Lexington, Inc. | 1.55% | $500 | - | $1,591 | 48 - 59 Month CD | |
| Beacon Community Credit Union | 1.55% | $500 | - | $1,591 | 48 Month Share Certificate | |
| Broadway Federal Bank | 1.51% | $500 | - | $1,549 | 48 Month Manager's Special CD | |
| Morehead Community Credit Union | 1.51% | $1k | - | $1,549 | 48 Month CD | |
| Agriculture Federal Credit Union | 1.50% | $1k | - | $1,538 | 48 Month Share Certificate | |
| Heritage Bank | 1.50% | $25k | - | $1,538 | 48 Month CD | |
| Hudson City Savings Bank | 1.50%† | $500 | - | $1,534 | 4 Year CD | |
| OneUnited Bank | 1.50% | $1k | - | $1,534 | UNITY Gold 4 Year E-CD | |
| Class Act Federal Credit Union | 1.50% | $1k | - | $1,538 | 48 Month Share Certificate | |
| USAA Bank | 1.50% | $1k | $95k | $1,534 | 4 Year CD - Standard | |
| Stillwater National Bank | 1.50%*† | $10k | - | $1,534 | 48 Month CD | |
| Easthampton Savings Bank | 1.50% | $1k | - | $1,534 | 48 Month CD | |
| Mcgraw Hill Credit Union | 1.50% | $10k | - | $1,538 | 48 Month CD | |
| Doral Bank | 1.50% | $1k | - | $1,538 | 48 Month Certificate | |
| Peoples Bank & Trust Company of Hazard | 1.50% | $500 | - | $1,534 | 4 Year CD | |
| L & N Credit Union | 1.50% | $1k | - | $1,534 | 4 Year Share Certificate | |
| The Farmers Bank (14894) | 1.50% | $500 | - | $1,538 | 48 - 59 Month CD | |
| United Citizens Bank of Southern Kentucky | 1.50% | $500 | - | $1,538 | 48 Month CD | |
| University Of Kentucky Credit Union | 1.50% | $1k | - | $1,534 | 4 Year CD | |
| Louisville Gas And Electric Company Credit Union | 1.50% | $500 | - | $1,534 | 4 Year CD | |
| First National Bank (LA) | 1.50% | - | - | $1,534 | 48 Month CD | |
| Virtual Bank | 1.46% | $10k | - | $1,492 | 4 Year eCD | |
| Geauga Savings Bank | 1.45% | $1k | - | $1,486 | 48 Month CD | |
| Intervest National Bank | 1.45% | $2,500 | - | $1,482 | 4 Year CD | |
| Altra Federal Credit Union | 1.45%* | $1k | - | $1,486 | 48 Month CD w/ Checking | |
| First Federal Savings Bank of Elizabethtown | 1.45% | $500 | - | $1,482 | 4 Year CD | |
| Louisville Federal Credit Union | 1.45% | $1k | - | $1,486 | 4 Year Share Certificate | |
| Ally Bank | 1.45% | - | - | $1,482 | Raise Your Rate 4-Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| Audubon Credit Union | 1.41% | $500 | - | $1,440 | 4 Year Share Certificate | |
| Desco Credit Union | 1.41% | $500 | $25k | $1,444 | 48 Month Share Certificate | |
| Bluegrass Community Bank | 1.41% | $500 | - | $1,444 | 48 Month CD | |
| First New England Federal Credit Union | 1.41% | $1k | - | $1,444 | 48 Month CD - Relationship | |
| MetLife Bank | 1.40% | $2k | - | $1,434 | 48 Month CD | |
| Patriot Bank | 1.40% | $1k | - | $1,434 | 48 Month CD | |
| KeySource Commercial Bank | 1.40% | $100 | - | $1,430 | 48 Month CD | |
| Advantage Bank (OH) | 1.40%† | $500 | - | $1,430 | 48 Month Rate Manager CD | |
| Armed Forces Bank, National Association | 1.40% | $500 | - | $1,434 | 48 Month CD | |
| Autotruck Credit Union | 1.40% | $500 | - | $1,250 | 42 Month Share Certificate | |
| First Federal Bank (KY) | 1.40% | $500 | - | $1,430 | 4 Year CD | |
| Metro Employees Credit Union | 1.36% | $500 | - | $1,388 | 4 Year CD | |
| Air Academy Federal Credit Union | 1.35% | $10k | - | $1,381 | 48 Month CD | |
| University Federal Credit Union | 1.35% | - | - | $1,381 | 48 Month Web CD | |
| First Internet Bank of IN | 1.35% | $1k | - | $1,381 | 48 Month CD | |
| H&R Block Bank | 1.35% | $250 | - | $1,381 | 48 Month CD | |
| OneWest Bank | 1.35% | $1k | - | $1,378 | 4 Year Online CD | |
| Bank of McCreary County | 1.35% | $500 | - | $1,205 | 42 Month Auto Renewal CD | |
| Cinfed Credit Union | 1.35% | $500 | - | $1,381 | 48 Month Share Certificate | |
| Rural Cooperatives Credit Union | 1.35% | $1k | - | $1,378 | 4 Year CD | |
| First Savings Bank Northwest | 1.33% | $25k | - | $1,361 | 48 Month CD | |
| Garden Savings Federal Credit Union | 1.31% | $500 | - | $1,336 | 4 Year Share Certificate | |
| River City Bank (KY) | 1.31% | $100 | - | $1,336 | 48 Month CD | |
| Hancock Bank & Trust Company | 1.31% | $500 | - | $1,336 | 48 Month CD | |
| American Bank | 1.30% | $500 | - | $1,329 | 48 Month CD | |
| FNBO Direct | 1.30% | $500 | $1m | $1,329 | 48 Month CD | |
| Salem Five | 1.30% | $500 | - | $1,159 | 42 - 59 Month CD | |
| Lockheed Federal Credit Union | 1.30% | $1k | - | $1,329 | 48 Month CD | |
| Lake Michigan Credit Union | 1.30% | $500 | - | $1,326 | 48 Month VIP CD | |
| First Farmers Bank and Trust Company | 1.30% | $1k | - | $1,329 | 48 Month CD | |
| Quantum National Bank | 1.30% | $1k | - | $1,329 | 48 Month Relationship CD | |
| United Bank & Trust Company | 1.30% | $500 | - | $1,329 | 48 Month CD | |
| Third Federal | 1.30%† | $500 | - | $1,329 | 48 Month CD | |
| Bank of Internet USA | 1.26% | $1k | - | $1,288 | 48 Month CD | |
| Community Financial Svcs Bank | 1.26%* | $1k | - | $1,288 | 48 Month CD | |
| MidWest America Federal Credit Union | 1.25% | $10k | - | $1,277 | 48 Month CD | |
| S-Bank | 1.25% | $1k | - | $1,274 | 48 Month Statement Term Certificates | |
| NASA Federal Credit Union | 1.25% | $1k | - | $1,277 | Business 48 Month CD | |
| Heritage Bank, Inc. | 1.25% | $500 | - | $1,274 | 4 Year CD | |
| Citizens Bank & Trust Company (KY) | 1.25% | $500 | - | $1,274 | 4 Year CD | |
| Magnolia Bank, Incorporated | 1.25% | $500 | - | $1,274 | 4 Year CD | |
| NOVA Bank | 1.25% | $500 | - | $1,277 | 48 Month CD | |
| The Bank of Kentucky, Inc. | 1.25% | $500 | - | $1,277 | 48-59 Month CD | |
| The Farmers National Bank of Lebanon | 1.25% | $500 | - | $1,277 | 48 Month CD | |
| North American Savings Bank | 1.25% | $10k | - | $1,274 | 48 - 59 Month CD with Checking | |
| First Security Bank & Trust | 1.23% | $10k | - | $1,256 | 48 - 59 Month CD | |
| EverBank | 1.21% | $1,500 | - | $1,232 | 4 Year Yield Pledge CD | |
| Patelco Credit Union | 1.21% | $1k | - | $1,232 | 48 - 59 Month CD | |
| Western Federal Credit Union | 1.21%* | $1k | - | $1,232 | 48 Month Share Certificate | |
| Velocity Credit Union | 1.21% | $1k | - | $1,232 | 4 Year Inflation Fighter Share Certificate | |
| Central Kentucky Federal Savings Bank | 1.21% | $500 | - | $1,232 | 4 Year CD | |
| Reelfoot Bank | 1.21% | $1k | - | $1,236 | 48 Month CD | |
| Apple Federal Credit Union | 1.20% | $500 | - | $1,225 | 48 Month Share Certificate | |
| Community Bank of Raymore | 1.20% | $500 | - | $1,222 | 4 Year Emerald Club CD | |
| Dime Savings Bank | 1.20% | $500 | - | $1,222 | 4 Year CD | |
| E-LOAN.com | 1.20% | $10k | - | $1,222 | 4 Year CD | |
| Newtown Savings Bank | 1.20% | - | - | $1,222 | 4 Year CD | |
| The Murray Bank | 1.20% | $500 | - | $1,222 | 48 Month CD | |
| 5Star Bank | 1.20% | $1k | - | $1,222 | 4 Year CD | |
| Ashland Credit Union | 1.20% | $500 | - | $1,222 | 48 Month Share Certificate | |
| Cumberland Security Bank, Inc. | 1.20% | $1k | - | $1,225 | 48 Month CD | |
| Citizens Bank (KY) | 1.20% | $1k | - | $1,225 | 48 Month CD | |
| Kentucky Home Bank | 1.20% | $500 | - | $1,225 | 48 Month CD | |
| The First National Bank of Manchester | 1.20% | $500 | $100k | $1,225 | 48 Month CD | |
| Beacon Federal Bank | 1.19% | $2,500 | - | $1,215 | 48 Month CD | |
| Bank of Blue Valley | 1.15% | - | - | $1,173 | 48 - 59 Months CD | |
| UnivestDirect | 1.15% | $500 | - | $1,173 | 48 Month CD | |
| INOVA Federal Credit Union | 1.15% | $200 | - | $1,170 | 4 Year CD | |
| Kentucky-Farmers Bank of Catlettsburg, Kentucky | 1.15% | $5k | - | $1,173 | 48 Month CD | |
| The Sacramento Deposit Bank | 1.15% | $1k | - | $1,173 | 48 Month CD | |
| Kentucky Employees Credit Union | 1.15% | $500 | - | $1,173 | 48 Month Share Certificate | |
| West Texas National Bank | 1.11% | $1k | - | $1,129 | 4 Year CD | |
| Wilson & Muir Bank & Trust Company | 1.10% | - | - | $1,121 | 48 Month CD | |
| Principal Bank | 1.06% | $5k | - | $1,080 | 48 Month CD | |
| Southeast Financial Federal Credit Union | 1.05% | $500 | - | $1,067 | 4 Year CD | |
| North Country Savings Bank | 1.05% | $500 | - | $1,067 | 4 Year CD | |
| Pacific Resource Credit Union | 1.05% | $1k | - | $1,067 | 48 Month CD | |
| Commonwealth CU (KY) | 1.05% | $1k | - | $1,067 | 48 to 59 Month CD | |
| Urban Partnership Bank | 1.05% | $1k | $1m | $933 | 42 Month CD | |
| Union Bank of California | 1.01%† | $350 | $100k | $941 | 48 - 59 Month CD | |
| Bank of Maysville | 1.01% | $2k | - | $1,025 | 4 Year CD | |
| Bedford Loan & Deposit Bank | 1.01% | $500 | - | $1,028 | 48 Month CD | |
| First Community Bank of Western Kentucky, Inc. | 1.01% | $500 | - | $1,028 | 48 Month CD | |
| American Express Bank, FSB | 1.00% | - | - | $1,018 | 48 Month CD | |
| Commonwealth Bank & Trust Company | 1.00% | $500 | - | $1,015 | 4 Year CD | |
| First Trade Union Savings | 1.00% | $500 | - | $1,015 | 4 Year CD | |
| Provident Credit Union (CA) | 1.00% | $1k | - | $1,015 | 48 Month CD | |
| South Division Credit Union | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| Webster Bank | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| E-Central Credit Union | 1.00% | $1k | - | $1,015 | 48 - 59 Month CD | |
| Bank of Cadiz and Trust Company | 1.00% | $500 | - | $1,018 | 48 Month CD | |
| Citizens Bank of Northern Kentucky, Inc. | 1.00% | $500 | - | $1,018 | 48 Month CD | |
| First National Bank and Trust | 1.00% | $1k | - | $1,018 | 48 Month CD | |
| Clinton Bank | 1.00% | $500 | - | $1,018 | 48 Month CD | |
| Thrivent Financial Bank | 1.00% | $1k | - | $1,018 | 48 Month Standard CD | |
| C&O United Credit Union | 1.00% | $500 | - | $1,018 | 48 Month Share Certificate | |
| Cattaraugus County Bank | 0.99% | $1k | - | $1,008 | 48 Month CD | |
| NewDominion Bank | 0.95% | $1k | - | $964 | 48 Month Fixed Rate CD | |
| Consumers Credit Union (IL) | 0.95% | $250 | - | $964 | 4 Year CD | |
| The First National Bank of Brooksville | 0.93% | $1k | - | $946 | 48 Month CD | |
| K I T Credit Union | 0.93% | $500 | - | $946 | 48 Month Share Certificate | |
| Acacia Federal Savings Bank | 0.90% | $500 | - | $915 | 48 Month CD | |
| iGObanking | 0.90% | $1k | - | $915 | 48 Month iGOCD | |
| Farmers Bank & Capital Trust Company | 0.90% | $500 | - | $915 | 48-71 Month CD | |
| The Health & Education Credit Union | 0.90% | $1k | - | $912 | 4 Year CD | |
| State Farm Bank | 0.87%*† | - | - | $884 | 48 Month CD | |
| Zions Bank | 0.85% | $1k | - | $861 | 4 Year Gold CD | |
| KeyBank | 0.85%† | $25k | $100k | $861 | 48 Month Tiered CD - Relationship | |
| Commonwealth Community Bank, Inc. | 0.85% | $500 | - | $863 | 48 Month CD | |
| Town & Country Bank and Trust Company | 0.85% | $1k | - | $863 | 48 Month CD | |
| Flagstar Direct | 0.85% | $500 | - | $863 | 48 Month Internet CD | |
| Your Community Bank | 0.83% | $500 | - | $840 | 48 - 59 Month CD | |
| Charles Schwab Bank | 0.81% | $1k | - | $822 | 48 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $810 | 4 Year CD | |
| ING DIRECT | 0.80% | - | - | $812 | 48 Month Orange CD | |
| First Security Trust Bank | 0.80% | $500 | - | $812 | 48 Month CD | |
| HSBC Advance | 0.80% | - | - | $812 | 48 Month Online CD | |
| Farmers Nat'l Bank of Danville | 0.80% | $500 | - | $812 | 48 Month CD | |
| Randolph Bank & Trust Company | 0.80%* | $10k | - | $810 | 48 Month Fixed Rate CD | |
| US Bank N.A. | 0.80% | $500 | $250k | $812 | 48 Month CD | |
| Capital One Direct Banking | 0.80% | $5k | $100k | $810 | 4 Year Costco Members CD | |
| HSBC Bank USA, National Association | 0.80% | $1k | - | $812 | 48 Month Online CD | |
| ViewPoint Bank | 0.75% | $1k | - | $761 | 48 Month Regular CD | |
| Citibank | 0.75%† | $1k | - | $758 | 4 Year CD | |
| Flagstar Bank | 0.75%† | $500 | - | $761 | 48 - 59 Month CD | |
| The Bank - Oldham County | 0.75% | $1k | - | $758 | 48 Month CD | |
| Republic Bank | 0.75% | $1k | $1m | $758 | 48 Month CD | |
| Partners 1St Credit Union | 0.75% | $500 | - | $761 | 48 Month CD | |
| The Peoples Bank (5847) | 0.75% | $500 | - | $761 | 48 Month CD | |
| Airbanking | 0.75% | $500 | - | $758 | 4 Year CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $707 | 4 Year CD | |
| First National Community Bank (PA) | 0.70% | $1k | - | $707 | 4 Year CD | |
| Wells Fargo Bank | 0.65%† | - | - | $656 | Business 48 - 59 Month CD | |
| Comerica Bank | 0.60%† | $1k | - | $605 | 4 Year CD | |
| National Bank of Kansas City | 0.55% | $5k | - | $556 | 48 - 59 Month CD | |
| Huntington National Bank | 0.50%† | $1k | $100k | $505 | 48 Month CD | |
| 20Th Century Fox Credit Union | 0.50% | $2,500 | - | $504 | 4 Year Certificate | |
| Regions Bank | 0.50%† | $500 | - | $505 | 48 - 53 Month Relationship CD | |
| Shelter Financial Bank | 0.50% | $1k | $95k | $504 | 48 Month CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $352 | 48 Month CD | |
| Kyang Credit Union | 0.35% | $500 | - | $353 | 48 Month CD | |
| BankDirect | 0.25% | $10k | - | $252 | 48 Month CD | |
| Citizens Deposit Bank of Arlington, Inc. | 0.25% | $500 | - | $252 | 48 Month CD | |
| First Kentucky Bank, Inc. | 0.20% | $500 | - | $201 | 48-59 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $201 | 48 Month Share Certificate | |
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