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. Click here to read more about features and tips related to 4-year CDs.
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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.
4-Year CD Rate History – Average APY (%) Rate Trend over Time
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.
The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.
* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.