4 Year CD Rates in North Carolina
Compare 4 year certificate of deposit rates in North Carolina. 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 North Carolina. If we have missed a local bank in your area please contact us and let us know by using the email link below
SPONSORED LISTINGS - Hide
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 | |
| Melrose Credit Union | 1.96% | $5k | - | $2,018 | 4 Year Share Certificate | |
| 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 | |
| First Legacy Community Credit Union | 1.80%* | $10k | - | $1,854 | 48 Month 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 | |
| Choice Credit Union | 1.77% | $500 | - | $1,823 | 48 Month Term Certificate | |
| Marine Federal Credit Union | 1.76% | $1k | - | $1,812 | 48 Month Investment Share Certificate | |
| First Carolina People's Credit Union | 1.76%* | $5k | - | $1,807 | 48 Month Share Certificate | |
| State Employees' Credit Union (NC) | 1.75% | $250 | - | $1,796 | 48 Month CD | |
| Justice Federal Credit Union | 1.75%* | $500 | - | $1,796 | 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 | |
| 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 | |
| Truliant Credit Union | 1.65% | $25k | - | $1,691 | 48 Month CD | |
| Forest Commercial Bank | 1.61% | $10k | - | $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 | |
| RTN Federal Credit Union | 1.60%* | $1k | - | $1,639 | 48 Month CD | |
| Proponent Credit Union | 1.60% | $1k | - | $1,432 | 42 Month Premium Benefits Rate 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 | |
| Broadway Federal Bank | 1.51% | $500 | - | $1,549 | 48 Month Manager's Special 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 | |
| Corning Credit Union | 1.50% | $1k | - | $1,538 | 48 Month Transfer CD | |
| USAA Bank | 1.50% | $1k | $95k | $1,534 | 4 Year CD - Standard | |
| Local Government Credit Union | 1.50% | $250 | - | $1,538 | 48 Month CD Certificate | |
| 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 | |
| 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 | |
| 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 | ||||||
| Lumbee Guaranty Bank | 1.43% | $5k | - | $1,461 | 48 Month CD Special w/ Checking | |
| 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 | |
| Piedmont Advantage Credit Union | 1.40% | - | - | $1,434 | 48 Month CD | |
| OldTown Bank | 1.40% | $1k | - | $1,430 | 48 Month CD | |
| Carolinas Telco Federal Credit Union | 1.36% | $500 | - | $1,392 | 48 Month Term Share Certificate | |
| Roxboro Savings Bank, SSB | 1.36% | $500 | - | $1,392 | 48 Month 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 | |
| United Southeast Credit Union | 1.35% | $500 | - | $1,381 | 48 Month CD | |
| Generations Community Credit Union | 1.35% | - | - | $1,381 | 48 Month 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 | |
| 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 | |
| Carter County Bank of Elizabethton, Tennessee | 1.30% | $2,500 | - | $1,329 | 48 Month ME Checking CD | |
| Quantum National Bank | 1.30% | $1k | - | $1,329 | 48 Month Relationship CD | |
| Third Federal | 1.30%† | $500 | - | $1,329 | 48 Month CD | |
| United Services CU (NC) | 1.30% | - | - | $1,326 | 48 Month Fixed CD | |
| Asheville Savings Bank | 1.28% | $10k | - | $1,305 | 4 Year CD | |
| Bank of Internet USA | 1.26% | $1k | - | $1,288 | 48 Month CD | |
| First Flight Credit Union | 1.26% | $10k | - | $1,288 | 48 Month Share Certificate | |
| R T P Credit Union | 1.26% | $250 | - | $1,288 | 48 Month CD | |
| Coastal Bank & Trust | 1.26% | $500 | - | $1,288 | 48 Month CD | |
| S-Bank | 1.25% | $1k | - | $1,274 | 48 Month Statement Term Certificates | |
| Baxter Credit Union | 1.25%† | $500 | - | $1,277 | 48 Month Rewards CD | |
| NASA Federal Credit Union | 1.25% | $1k | - | $1,277 | Business 48 Month CD | |
| Piedmont Federal Savings Bank | 1.25% | $500 | - | $1,274 | 4-Year CD | |
| Clearview Credit Union | 1.25% | $1k | - | $1,277 | 48 Month Savings Certificate | |
| High Point Bank and Trust Company | 1.25%* | $1k | - | $1,274 | 4 Year CD | |
| General Electric Employees Credit Union | 1.25% | $500 | - | $1,274 | 4 Year Share Certificate | |
| Latino Community Credit Union | 1.25% | $500 | - | $1,277 | 48 Month CD | |
| NOVA Bank | 1.25% | $500 | - | $1,277 | 48 Month CD | |
| Carolina Cooperative Credit Union | 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 | |
| Velocity Credit Union | 1.21% | $1k | - | $1,232 | 4 Year Inflation Fighter Share Certificate | |
| 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 | |
| Crescent State Bank | 1.20%* | $10k | - | $1,225 | 48 - 59 Month 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 | |
| United Federal Credit Union | 1.20%† | $500 | - | $1,222 | 48 - 59 Month Share CD | |
| 5Star Bank | 1.20% | $1k | - | $1,222 | 4 Year 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 | |
| West Texas National Bank | 1.11% | $1k | - | $1,129 | 4 Year CD | |
| Carolina Bank | 1.11% | $500 | - | $1,132 | 48 - 59 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 | |
| Urban Partnership Bank | 1.05% | $1k | $1m | $933 | 42 Month CD | |
| Chartway Federal Credit Union | 1.05% | $10k | - | $1,067 | 48 Month CD w/ Checking | |
| Union Bank of California | 1.01%† | $350 | $100k | $941 | 48 - 59 Month CD | |
| Telco Credit Union | 1.01% | $1k | - | $1,028 | 48 Month CD | |
| American Express Bank, FSB | 1.00% | - | - | $1,018 | 48 Month 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 | |
| Founders Federal Credit Union | 1.00% | $500 | - | $1,018 | 48 Month Share Certificate | |
| Webster Bank | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| E-Central Credit Union | 1.00% | $1k | - | $1,015 | 48 - 59 Month CD | |
| Alliance CU (CA) | 1.00% | $500 | - | $1,015 | 48 Month Share Certificate | |
| Aquesta Bank | 1.00% | $1k | - | $1,018 | 48 Month Personal CD | |
| Thrivent Financial Bank | 1.00% | $1k | - | $1,018 | 48 Month Standard CD | |
| 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 | |
| Highlands Union Bank | 0.95% | $500 | - | $966 | 48 Month CD | |
| Acacia Federal Savings Bank | 0.90% | $500 | - | $915 | 48 Month CD | |
| Coastal Federal Credit Union | 0.90%* | $10k | - | $915 | 48-59 Month CD | |
| iGObanking | 0.90% | $1k | - | $915 | 48 Month iGOCD | |
| Citizens Community Bank (VA) | 0.90% | $500 | - | $915 | 48 Month CD | |
| Sound Banking Company (NC) | 0.90% | $500 | - | $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 | |
| Select Bank & Trust Company | 0.85% | $100 | - | $861 | 48 Month CD | |
| Flagstar Direct | 0.85% | $500 | - | $863 | 48 Month Internet CD | |
| Charles Schwab Bank | 0.81% | $1k | - | $822 | 48 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $810 | 4 Year CD | |
| Blueharbor Bank | 0.80% | $1k | - | $812 | Business 48 Month CD | |
| ING DIRECT | 0.80% | - | - | $812 | 48 Month Orange CD | |
| HSBC Advance | 0.80% | - | - | $812 | 48 Month Online CD | |
| The East Carolina Bank | 0.80% | $1k | - | $810 | 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 | |
| Oteen V. A. Credit Union | 0.76% | $500 | - | $771 | 48 Month 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 | |
| Woodforest National Bank | 0.75% | $500 | - | $758 | 4 Year 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 | |
| Southern Bank and Trust Company | 0.70%* | $500 | - | $709 | 48 - 59 Month CD | |
| Wells Fargo Bank | 0.65%† | - | - | $656 | Business 48 - 59 Month CD | |
| Mechanics and Farmers Bank | 0.60%* | $10k | - | $607 | 48 - 59 Month CD | |
| Comerica Bank | 0.60%† | $1k | - | $605 | 4 Year CD | |
| First Tennessee Bank, National Association | 0.60% | - | - | $605 | 48 Month CD | |
| Bank of Commerce (NC) | 0.60%* | $10k | - | $607 | 48 - 59 Month CD | |
| National Bank of Kansas City | 0.55% | $5k | - | $556 | 48 - 59 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 | |
| Fort Financial Credit Union | 0.45% | $500 | - | $453 | 48 Month CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $352 | 48 Month CD | |
| BankDirect | 0.25% | $10k | - | $252 | 48 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $201 | 48 Month Share Certificate | |
Featured Accounts
Average 4 Year CD Rate Trend
Featured 1 Year CDs