4 Year CD Rates in Tennessee
Compare 4 year certificate of deposit rates in Tennessee. 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 Tennessee. 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 | |
| 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 | |
| Hanscom Credit Union | 1.80% | $1k | - | $1,854 | 48 Month CD Special | |
| Self-Help Credit Union | 1.77% | $500 | - | $1,823 | 48 Month CD | |
| Leaders Credit Union | 1.76%* | $1k | - | $1,812 | 48 Month CD | |
| Justice Federal Credit Union | 1.75%* | $500 | - | $1,796 | 48 Month CD | |
| First Commerce Bank (TN) | 1.75% | $1k | - | $1,802 | 48 Month CD | |
| Mountain Lakes Community Credit Union | 1.75% | $1k | - | $1,802 | 48 Month Share 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 | |
| Fort Campbell Credit Union | 1.65% | $1k | - | $1,696 | 48 Month Share Certificate | |
| Kingsport Press Credit Union | 1.65% | $1k | - | $1,696 | 48 Month Investment Certificate | |
| The First National Bank of Manchester (TN) | 1.65% | $2,500 | - | $1,696 | 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 | |
| Peoples Bank & Trust Company | 1.60% | $10k | - | $1,643 | 48 Month CD | |
| Barclays | 1.60% | - | - | $1,643 | 48 Month Online CD | |
| Navy Federal Credit Union | 1.60%* | $20k | - | $1,639 | 4 Year CD | |
| Coffee County Bank | 1.56% | $1k | - | $1,597 | 4 Year CD | |
| Lifeway Credit Union | 1.56% | $1k | $100k | $1,601 | 48 Month Share Certificate | |
| Eastman Credit Union | 1.55% | $1k | - | $1,586 | 4 to 5 Year Investment Certificate | |
| Nationwide Bank | 1.55%* | - | - | $1,591 | 48 Month CD | |
| TriStar Bank | 1.55%* | $1k | - | $1,586 | 4 Year CD | |
| Broadway Federal Bank | 1.51% | $500 | - | $1,549 | 48 Month Manager's Special CD | |
| Appalachian Community Credit Union | 1.51% | $1k | - | $1,545 | 48 Month CD | |
| M.P.D. Community Credit Union | 1.51% | $2,500 | - | $1,545 | 48 Month Share Certificate | |
| Cornerstone Financial Credit Union | 1.51% | $25k | $50k | $1,549 | 48 Month Jumbo Certificate | |
| 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 | |
| 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 | |
| Community Bank (TN) | 1.50% | $500 | - | $1,534 | 4 Year CD | |
| Sumner Bank & Trust | 1.50% | $1k | - | $1,534 | 4 Year CD | |
| Meded Credit Union | 1.50% | $5k | - | $1,538 | 48 Month 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 | |
| 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 | ||||||
| City Of Memphis Credit Union | 1.41% | - | - | $1,259 | 42 Month Share Certificate | |
| 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 | |
| Mountain National Bank | 1.40% | $1k | - | $1,434 | 48 Month CD | |
| The Tennessee Credit Union | 1.40% | $25k | - | $1,434 | 48 Month CD | |
| Magna Bank | 1.40% | $1k | - | $1,434 | 48 Month CD w/Bump | |
| Union Bank (TN) | 1.40% | $1k | - | $1,434 | 48 Month CD | |
| Johnson City Credit Union | 1.40% | $1k | - | $1,434 | 48 Month CD | |
| Electric Service Credit Union | 1.39% | $1k | - | $1,423 | 48 Month CD | |
| First Alliance Bank | 1.36% | $1k | - | $1,388 | 4 Year CD | |
| First Eagle Credit Union | 1.36% | $500 | - | $1,388 | 4 Year Share Certificate | |
| 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 | |
| Link Credit Union | 1.35% | $500 | - | $1,381 | 48 Month Share Certificate | |
| 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 | |
| US Community Credit Union | 1.31% | $1k | - | $1,336 | 48 Month Certificate | |
| Citizens Bank (10319) | 1.31% | $500 | - | $1,336 | 48 Month CD | |
| First Bank of Tennessee | 1.31% | $500 | - | $1,340 | 48 Month Quarterly COD | |
| First Trust and Savings Bank, Oneida, Tennessee | 1.31% | $1k | - | $1,340 | 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 | |
| Carter County Bank of Elizabethton, Tennessee | 1.30% | $2,500 | - | $1,329 | 48 Month ME Checking CD | |
| Bowater Employees Credit Union | 1.30% | $500 | - | $1,329 | 48-Month Share Certificate | |
| F A A Credit Union | 1.30%* | $500 | - | $1,329 | 48 Month Share Certificate | |
| Quantum National Bank | 1.30% | $1k | - | $1,329 | 48 Month Relationship CD | |
| The Citizens Bank of East Tennessee | 1.30% | $1k | - | $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 | |
| 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 | |
| Enrichment Credit Union | 1.25% | $1k | - | $1,274 | 4 Year Share Certificate | |
| Home Federal Bank of Tennessee | 1.25% | $500 | - | $1,274 | 4 Year Interest Credited Monthly CD | |
| Kimberly Clark Credit Union | 1.25% | $1k | - | $1,114 | 42 Month CD | |
| NOVA Bank | 1.25% | $500 | - | $1,277 | 48 Month CD | |
| The Farmers & Merchants Bank | 1.25% | $1k | - | $1,277 | 48 Month CD | |
| Employees Credit Union | 1.25% | $1k | - | $1,277 | 48 Month Term Share Certificate | |
| Civic Bank & Trust | 1.25% | $5k | - | $1,274 | 4 Year 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 | |
| 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 | |
| UT Federal Credit Union | 1.20% | $25k | - | $1,222 | 48 Month CD | |
| 5Star Bank | 1.20% | $1k | - | $1,222 | 4 Year CD | |
| First Capital Bank (TN) | 1.20% | $1k | - | $1,222 | 4 Year CD | |
| ORNL Credit Union | 1.20% | $500 | $100k | $1,225 | 48 - 59 Month CD for Platinum Members | |
| Beacon Federal Bank | 1.19% | $2,500 | - | $1,215 | 48 Month CD | |
| Clinchfield Credit Union | 1.16%* | $1k | - | $1,184 | 48 Month CD | |
| Southern CU (TN) | 1.16% | $500 | - | $1,184 | 48 Month CD | |
| Bank of Blue Valley | 1.15% | - | - | $1,173 | 48 - 59 Months CD | |
| UnivestDirect | 1.15% | $500 | - | $1,173 | 48 Month CD | |
| Citizens Bank (TN) | 1.15% | $1k | - | $1,173 | 48 Month CD | |
| INOVA Federal Credit Union | 1.15% | $200 | - | $1,170 | 4 Year CD | |
| Community National Bank of the Lakeway Area | 1.15% | $2,500 | - | $1,170 | 4 Year CD | |
| Nashville Firemen's Credit Union | 1.14%* | $1k | - | $1,160 | 4 Year CD | |
| West Texas National Bank | 1.11% | $1k | - | $1,129 | 4 Year CD | |
| First South Credit Union | 1.11%* | $10k | - | $1,132 | 48 Month CD | |
| Staley Employees Credit Union | 1.11% | $10k | - | $1,129 | 48 Month CD | |
| Community National Bank (19272) | 1.10% | $500 | - | $1,121 | 48 Month CD | |
| F&M Bank (TN) | 1.10% | $1k | - | $1,121 | 48 Month CD | |
| Lawrenceburg Federal Bank | 1.10% | $1k | - | $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 | |
| Urban Partnership Bank | 1.05% | $1k | $1m | $933 | 42 Month CD | |
| Union Bank of California | 1.01%† | $350 | $100k | $941 | 48 - 59 Month CD | |
| Jefferson Federal Bank | 1.01% | $2,500 | - | $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 | |
| Webster Bank | 1.00% | $1k | - | $1,015 | 4 Year CD | |
| E-Central Credit Union | 1.00% | $1k | - | $1,015 | 48 - 59 Month CD | |
| Greeneville Federal Bank, FSB | 1.00% | $1k | - | $1,018 | 48 Month CD | |
| SouthEast Bank & Trust | 1.00% | $1k | - | $1,018 | 48 Month CD | |
| Thrivent Financial Bank | 1.00% | $1k | - | $1,018 | 48 Month Standard CD | |
| Greater Eastern 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 | |
| Highlands Union Bank | 0.95% | $500 | - | $966 | 48 Month CD | |
| Acacia Federal Savings Bank | 0.90% | $500 | - | $915 | 48 Month CD | |
| iGObanking | 0.90% | $1k | - | $915 | 48 Month iGOCD | |
| New Peoples Bank, Inc. | 0.90% | $500 | - | $912 | 48 Month Certificate | |
| Northwest Georgia Bank | 0.90% | $10k | - | $915 | 48 Month CD | |
| Parthenon Credit Union | 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 | |
| Orion Federal Credit Union | 0.85% | $500 | - | $863 | 48 Month Share Certificate | |
| KeyBank | 0.85%† | $25k | $100k | $861 | 48 Month Tiered CD - Relationship | |
| Flagstar Direct | 0.85% | $500 | - | $863 | 48 Month Internet CD | |
| The Community Bank of East Tennessee | 0.83% | $1k | - | $843 | 48 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 | |
| HSBC Advance | 0.80% | - | - | $812 | 48 Month Online CD | |
| Randolph Bank & Trust Company | 0.80%* | $10k | - | $810 | 48 Month Fixed Rate CD | |
| Southern Heritage Bank (TN) | 0.80% | $1,500 | - | $812 | 48 Month 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 | |
| Partners 1St Credit Union | 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 | |
| First National Bank (TN) | 0.70% | $1k | - | $709 | 48 Month CD | |
| Holston Methodist Credit Union | 0.70% | $1k | - | $709 | 48 Month Share Certificate | |
| Wells Fargo Bank | 0.65%† | - | - | $656 | Business 48 - 59 Month CD | |
| Old Hickory Credit Union | 0.60% | $1k | - | $607 | 48 Month CD | |
| Comerica Bank | 0.60%† | $1k | - | $605 | 4 Year CD | |
| First Tennessee Bank, National Association | 0.60% | - | - | $605 | 48 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 | |
| Shelter Financial Bank | 0.50% | $1k | $95k | $504 | 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 | |
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