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:
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Lafayette FCU4 Year Fixed CD2 Reviews
2.78%
$500-$2,898
Dover FCU4 Year Share Certificate10 Reviews
2.65%*
$25k-$2,757
NASA FCU49 Month Share Certificate Special - New Money39 Reviews
2.60%
$10k-$2,769
Credit Union Of The Rockies48 Month Promotional CD
2.60%
$1k-$2,703
Greenwood Credit Union48 Month CD16 Reviews
2.55%
$1k-$2,649
MAC FCU48 Month CD3 Reviews
2.55%
$1k-$2,649
Garden Savings FCU4 Year Share Certificate3 Reviews
2.53%
$500-$2,628
Affinity Plus FCU48 Month CD13 Reviews
2.50%
$500-$2,595
Xcel FCU48 Month CD8 Reviews
2.50%
$500-$2,595
Advancial4 Year Junior Jumbo Certificate9 Reviews
2.48%
$25k$50k$2,574
NuVision FCU4 Year CD
2.45%*
$25k-$2,542
State Department FCU48 Month Certificate8 Reviews
2.42%
$500-$2,509
Kinecta FCU4 Year CD6 Reviews
2.40%*
$1k$100k$2,488
Pen Air FCU48 Month CD13 Reviews
2.40%
$500-$2,488
Premier America Credit Union48 Month CD12 Reviews
2.40%*
$25k-$2,488
Prime Alliance Bank48 Month CD2 Reviews
2.40%
$500-$2,488
Communitywide FCU48 Month Share Certificate4 Reviews
2.40%
$1k-$2,488
UNIFY Financial Credit Union48 Month Share Certificate10 Reviews
2.40%*
$1k-$2,488
Northrop Grumman FCU48 Month Term CD 3 Reviews
2.40%
$2.5k-$2,488
Alabama Credit Union48 Month CD1 Review
2.37%
$500-$2,456
Interior FCU48 Month Share Certificate2 Reviews
2.37%
$500-$2,456
MTC FCU48 Month Share Plus CD
2.37%
$10k-$2,456
ABCO FCU48 Month CD7 Reviews
2.35%
$1k-$2,434
Hanscom FCU48 Month CD6 Reviews
2.35%
$1k-$2,434
Utah First FCU48 Month CD4 Reviews
2.35%
$500-$2,434
Technology Credit Union48 - 59 Month Flextime CD9 Reviews
2.35%
$1k-$2,415
Connexus Credit Union42 Month Certificate - Renewals Only43 Reviews
2.31%
$5k-$2,086
Primary Bank4 Year CD
2.30%
--$2,381
Matadors Community Credit Union48 Month CD1 Review
2.30%
$10k-$2,381
Orion FCU48 Month CD21 Reviews
2.30%
$500-$2,381
Mountain America Credit Union48 Month Certificate30 Reviews
2.30%
$500-$2,381
Service Credit Union48 Month Share Certificate20 Reviews
2.30%
$1k-$2,381
Chartway FCU48-59 Month CD27 Reviews
2.30%†
--$2,362
Self-Help Credit Union48 Month CD9 Reviews
2.28%
$500-$2,359
Self-Help FCU48 Month CD2 Reviews
2.28%
$500-$2,359
Digital FCU (DCU)48 - 59 Month Jumbo CD40 Reviews
2.28%
$25k-$2,341
United Educators Credit Union48 Month FlexRate CD
2.27%
$2.5k-$2,348
State Bank of India4 Year Senior Citizen CD2 Reviews
2.27%†
$25k-$2,348

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Displaying 1-40 of 183 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.