4 Year CD Rates

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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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

176 Results

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Nationwide Only
NASA FCU49 Month Share Certificate Special - New Money49 Reviews
1.35%
$10k-$1,411
1.35%
$500-$1,351
Interior FCU48 Month Share Certificate3 Reviews
1.17%
$500-$1,191
Lafayette FCU4 Year Fixed CD7 Reviews
1.16%
$500-$1,180
Hiway Credit Union48 – 59 Month CD9 Reviews
1.10%*
$25k-$1,110
1.05%
$500-$1,067
1.00%
$1k-$1,015
Puerto Rico FCU4 Year Share Certificate 2 Reviews
1.00%
$1k-$1,015
0.95%*
$25k-$964
MapleMark Bank48 Month Ladder CD5 Reviews
0.95%
$25k-$964
State Bank of India4 Year Senior Citizen CD2 Reviews
0.95%
$25k-$964
0.95%
$1k-$956
Achieva Credit Union42 Month CD Special w/ Add-On19 Reviews
0.95%*
$500-$844
0.91%
$5k-$922
0.90%*
$10k-$912
Genisys Credit Union4 Year Share Certificate13 Reviews
0.90%
$500-$912
0.90%*
$25k-$912
AgFed Credit Union48 Month Certificate5 Reviews
0.90%
$250-$912
Fort Bragg FCU48 Month Jumbo Step Up Term Share Certificate5 Reviews
0.90%
$25k-$912
Communitywide FCU48 Month Share Certificate8 Reviews
0.90%
$1k-$912
0.85%*
$1k-$861
0.85%*
$10k-$861
0.85%
$1k-$861
0.85%
$500-$861
State Department FCU48 Month Certificate11 Reviews
0.85%
$500-$861
United Educators Credit Union48 Month FlexRate CD
0.85%
$500-$861
UNIFY Financial Credit Union48 Month Share Certificate11 Reviews
0.85%*
$1k-$861
0.80%
$500-$810
USALLIANCE Financial48 Month Certificate52 Reviews
0.80%
$500-$810
American Heritage FCU48 Month Share Certificate7 Reviews
0.80%
$1k-$810
MTC FCU48 Month Share Plus CD
0.80%
$10k-$810
0.80%
$2.5k-$810
0.80%
$1.5k$10m$810
Hanscom FCU48 Month CD Special8 Reviews
0.80%
$1k-$810
Technology Credit Union48 - 59 Month Flextime CD10 Reviews
0.80%
$1k-$803
0.80%
$1k-$803
0.75%
$1k-$758
PenFed Credit Union4 Year Money Market Certificate163 Reviews
0.75%
$1k-$758

Displaying 1-40 of 176 Results


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 APY (Annual Percentage Yield) 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.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers 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 [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.