4 Year CD Rates in New York
Compare 4 year certificate of deposit rates in New York. 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 New York. If we have missed a local bank in your area please contact us and let us know by using the email link below
Showing nationwide and New York accounts based on a $10,000 deposit.
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Sea Comm CU | 3.25% | $1k | - | $1,365 | 4 Year CD | |
| LOMTO Federal Credit Union | 3.00% | $2k | - | $1,255 | 48 Month CD | |
| Alliant CU | 2.90% | $1k | - | $1,211 | 48 - 60 Month Share CD | |
| Self Reliance New York FCU | 2.85% | $500 | - | $1,190 | 48 Month Certificate | |
| Melrose CU | 2.78% | $5k | - | $1,159 | 4 Year Share CD Certificates | |
| 20Th Century Fox CU | 2.78% | $2,500 | - | $1,159 | 4 Year Certificate | |
| Pentagon FCU | 2.76% | $1k | - | $1,151 | 4 Year Money Market Cerificates | |
| Lake Michigan Credit Union | 2.75% | $500 | - | $1,146 | 48 Month CD | |
| Hudson City Savings Bank | 2.75% | $500 | - | $1,146 | 4 Year CD | |
| City National Bank (NJ) | 2.75% | $500 | - | $1,146 | 48 - 59 Month CD | |
| Montauk Credit Union | 2.75% | - | - | $1,146 | 4 Year CD | |
| Visions FCU | 2.74% | $500 | - | $995 | 3 1/2 Year Variable CD | |
| Acacia Federal Savings Bank | 2.70% | $500 | - | $1,125 | 48 Month CD | |
| Hudson Valley CU | 2.70% | $500 | - | $1,125 | 48 - 59 Month CD | |
| Island FCU | 2.65% | - | - | $1,103 | 48 Month CD Certificate | |
| Fort Knox FCU | 2.60% | $500 | - | $1,081 | 48 Month CD | |
| Lockheed Federal Credit Union | 2.60% | $1k | - | $1,081 | 48 Month CD | |
| Solvay Bank | 2.60% | $500 | - | $1,081 | 48 Month CD | |
| Suffolk FCU | 2.60% | $500 | - | $1,081 | 48 Month Certificate | |
| Ponce de Leon FSB | 2.55% | $500 | - | $1,060 | 48 Month CD | |
| Bank of Internet USA | 2.50% | - | - | $1,038 | 48 to 59 months Personal CD | |
| Teachers FCU | 2.50% | $1k | - | $1,038 | 48 Month CD | |
| First Internet Bank of IN | 2.50% | $1k | - | $1,038 | 48 Month CD | |
| Access FCU | 2.50% | $1k | - | $1,038 | 48 Month Share Certificate | |
| Quorum FCU | 2.50% | $1k | - | $1,038 | 48 Month Term Savings | |
| Northfield Bank | 2.50% | $2,500 | - | $1,038 | 48 Month CD | |
| Ally Bank | 2.49% | - | - | $1,034 | High Yield 4 Year CD | |
| Discover Bank | 2.45% | $2,500 | - | $1,017 | 4 Year CD | |
| Geddes Federal Savings and Loan Association | 2.45% | $500 | - | $1,017 | 48 Month CD | |
| Intervest National Bank | 2.43% | $2,500 | - | $1,008 | 4 Year CD | |
| Navy FCU | 2.40% | $1k | - | $995 | 4 Year CD | |
| American Bank N.A. | 2.40% | $10k | - | $995 | 48 Month 2-Flex CD | |
| Corning CU | 2.40% | $1k | - | $995 | 48 Month Transfer CD | |
| Nationwide Bank | 2.40% | - | - | $995 | 48 Month CD | |
| Virtual Bank | 2.38% | $10k | - | $987 | 4 Year eCD | |
| American Bank | 2.35% | $500 | - | $974 | 48 Month CD | |
| First National Community Bank (PA) | 2.35% | $1k | - | $974 | 4 Year CD | |
| Flagstar Bank | 2.35% | $500 | - | $974 | 48 - 59 Month CD | |
| Wings Financial CU | 2.32% | - | - | $961 | 4 Year Share Certificate | |
| State Bank of Toledo | 2.31% | $1k | - | $957 | 48 Month CD | |
| Community Bank of Pleasant Hill | 2.30% | $500 | - | $952 | 4 Year CD | |
| Community Bank of Raymore | 2.30% | $500 | - | $952 | 4 Year Emerald Club CD | |
| Alma Bank | 2.30% | - | - | $952 | 4 Year CD | |
| Baxter Credit Union | 2.30% | - | - | $952 | 48 Month Rewards CD | |
| RTN Federal Credit Union | 2.30% | $1k | - | $952 | 48 Month CD | |
| Broadway Federal Bank | 2.28% | $1k | - | $944 | 48 Month CD | |
| American Express Bank | 2.25% | - | - | $931 | 48 month CD | |
| Carver Federal Savings Bank | 2.25% | $1k | - | $931 | 48 month CD | |
| Dime Savings Bank | 2.25% | $500 | - | $931 | 4 Year CD | |
| Doral Bank Direct | 2.25% | $1k | - | $931 | 48 Month Certificate | |
| First Trade Union Savings | 2.25% | $500 | - | $931 | 4 Year CD | |
| Ridgewood Savings Bank | 2.25% | $500 | - | $931 | 48 Month CD | |
| FNBO Direct | 2.25% | - | - | $931 | 48 Month CD | |
| Third Federal | 2.25% | $500 | - | $931 | 48 Month CD | |
| Country Bank for Savings | 2.25% | $500 | - | $931 | CD - 4 year | |
| Bank of Smithtown | 2.25% | - | - | $931 | 4 Year CD | |
| Webster Bank | 2.25% | $1k | - | $931 | 4 Year CD | |
| Carthage Federal Savings and Loan Association | 2.25% | $500 | - | $931 | 48 Month CD | |
| Northwest FCU | 2.22% | $2,500 | - | $918 | 4 Year CD | |
| Atlas Savings and Loan Association | 2.22% | $2,500 | - | $918 | 4 Year CD | |
| Apple FCU | 2.20% | - | - | $909 | 48 Month CD | |
| Capital One Direct Banking | 2.20% | $5k | - | $909 | 4 Year CD | |
| Walden Savings Bank | 2.20% | $1k | - | $912 | 48 Month CD | |
| Liberty Bank | 2.15% | $500 | - | $888 | 4 Year CD | |
| Royal Banks of Missouri | 2.11% | $1k | $100k | $871 | 48 Month CD | |
| Salisbury Bank | 2.10% | $1k | - | $867 | 48 - 59 Month CD | |
| Provident Credit Union | 2.10% | $1k | - | $867 | 48 Month CD | |
| Heritage Bank | 2.10% | $10k | - | $867 | 48 Month CD | |
| KANZA Bank | 2.10% | $1k | - | $867 | 48 Month CD | |
| Northwest Savings Bank | 2.10% | $500 | - | $867 | 48 - 59 Month CD | |
| Pacific Resource Credit Union | 2.06% | $1k | - | $850 | 48 Month CD | |
| E-LOAN.com | 2.05% | $10k | - | $846 | 4 Year CD | |
| Astoria Federal Savings | 2.05% | $500 | - | $738 | 3 1/2 Year CD | |
| Metropolitan National Bank | 2.05% | $2,500 | - | $846 | 48 Month CD | |
| Eastern New York FCU | 2.02% | $2,500 | - | $833 | 48-59 Month CD Share Certificate | |
| First State Bank (NY) | 2.02% | $500 | - | $833 | 48 - 59 Month CD | |
| BankUnited | 2.00% | $5k | - | $824 | 48 Month CD | |
| Bay Ridge Federal Credit Union | 2.00% | $500 | - | $824 | Regular 4 Year CD | |
| Cross County Federal Savings | 2.00% | $500 | - | $824 | 48 Month CD | |
| H&R Block Bank | 2.00% | - | - | $824 | 48 Month CD | |
| Patriot Bank | 2.00% | $1k | - | $824 | 4 Year CD | |
| Aspire Federal Credit Union | 2.00% | $500 | - | $824 | 48 Month CD | |
| First Republic Bank | 2.00% | $5k | - | $824 | 4 Year CD | |
| INOVA FCU | 2.00% | $200 | - | $824 | 4 Year CD | |
| First Savings Bank Northwest | 2.00% | $5k | - | $827 | 48 Month CD | |
| EverBank | 1.92% | $1,500 | - | $790 | 4 Year Yield Pledge CD | |
| National Bank of NYC | 1.92% | $2,500 | - | $790 | 48 - 59 Month CD | |
| North Country Savings Bank | 1.90% | $500 | - | $782 | 4 Year CD | |
| Advantage FCU | 1.90% | - | - | $782 | 48 - 59 Month CD | |
| Evans Bank | 1.90% | $500 | - | $782 | 4 Year CD | |
| State Farm Bank | 1.89% | - | - | $778 | 48 Month CD | |
| The Bank of Fayetteville | 1.86% | $500 | - | $765 | 48 Month CD | |
| ViewPoint Bank | 1.80% | $1k | - | $740 | 48 Month Regular CDs | |
| Citibank | 1.75% | $500 | - | $719 | 4 Year CD | |
| First Central Savings Bank | 1.75% | $500 | - | $719 | 48 Month CD | |
| Consumers Credit Union | 1.75% | $250 | - | $719 | 4 Year CD | |
| Bank of Greene County | 1.75% | $1k | - | $719 | 4 Year CD | |
| Kinderhook Bank | 1.74% | $500 | - | $714 | 4 Year CD | |
| Cattaraugus County Bank | 1.72% | $1k | - | $706 | 48 Month CD | |
| Charles Schwab Bank | 1.70% | $1k | - | $698 | 48 Month CD | |
| Zions Bank | 1.56% | $1k | - | $639 | 4 Year Gold CD | |
| Randolph Bank & Trust Company | 1.55% | $10k | - | $635 | 48 Month Fixed Rate CD | |
| First National Bank of Long Island | 1.50% | $1k | - | $614 | 4 Year Simple Interest CD | |
| MetLife Bank | 1.50% | $2k | - | $614 | 48 Month CD | |
| HSBC Bank | 1.40% | $1k | - | $572 | Branch 4-10 years CD | |
| HSBC Advance | 1.40% | - | - | $572 | 48 Month Online CD | |
| KeyBank | 1.40% | $10k | $100k | $572 | 48 Month Tiered CD - Relationship | |
| Bank of Oklahoma | 1.35% | - | - | $551 | 4 Years CD | |
| Northern Federal Credit Union | 1.35% | $10k | - | $551 | 4 Year CD - Best | |
| ING DIRECT | 1.25% | - | - | $509 | 48 Month Orange CD | |
| Chase Manhattan Bank | 1.01% | $1k | - | $410 | 48-59 Month CD - Relationship | |
| iGObanking | 1.00% | $1k | - | $406 | 48 Month iGOCD |
Average 4 Year CD Rate Trend
