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.

ALERT: Due to the recent rate changes by the Federal Reserve, we're detecting a high volume of deposit rate changes by banks and credit unions. If you're unable to find an account, it may be hidden temporarily while it is being reviewed for accuracy. We appreciate your patience.
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127 Results

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Nationwide Only
Bread Financial4 Year Bread Savings CD77 Reviews
4.65%
MIN TO
EARN
MIN TO EARN:$1.5k

MAX
MAX:$1m
EST.
EARN 🛈
EST. EARN:$4,985
NASA FCU49 Month Share Certificate Special - New Money72 Reviews
4.60%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$5,053
4.60%
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:$250k
EST.
EARN 🛈
EST. EARN:$4,927
Crescent Bank48 Month CD - New Money3 Reviews
4.55%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,870
4.47%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,779
Popular Direct48 Month Popular Direct CD99 Reviews
4.47%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,779
State Bank of India4 Year Senior Citizen CD2 Reviews
4.47%
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,779
4.44%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,745
4.40%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:$1m
EST.
EARN 🛈
EST. EARN:$4,605
4.38%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,638
4.32%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,608
4.30%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,585
4.25%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,529
4.23%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,506
4.20%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,472
Capital One48 Month 360 CD484 Reviews
4.20%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,472
Andrews FCU48 Month Jumbo Share Certificate61 Reviews
4.20%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,472
Barclays48 Month Online CD228 Reviews
4.20%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,472
4.20%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,383
American Heritage FCU48 Month Share Certificate12 Reviews
4.05%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,303
NexBank48 Month CD3 Reviews
4.00%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:$240k
EST.
EARN 🛈
EST. EARN:$4,246
4.00%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:$1m
EST.
EARN 🛈
EST. EARN:$4,246
3.98%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,224
Luana Savings Bank42 Month Step-Up CD Special
3.98%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,670
PenFed Credit Union4 Year Money Market Certificate191 Reviews
3.90%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,134
AgFed Credit Union48 Month Certificate5 Reviews
3.90%
MIN TO
EARN
MIN TO EARN:$250

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,134
3.80%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,022
3.80%*
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,022
3.80%
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,022
3.80%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,022
3.80%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$4,022
TIAA Bank3.5 Year Bump Rate CD28 Reviews
3.80%
MIN TO
EARN
MIN TO EARN:$1.5k

MAX
MAX:$250k
EST.
EARN 🛈
EST. EARN:$3,496
3.75%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,966
3.75%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,966
3.67%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,877
3.65%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,855
GTE Financial48 Month Share Certificate56 Reviews
3.56%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,755
3.51%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,699
3.50%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,688
Signature FCU4 Year Share Certificate7 Reviews
3.45%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$3,633

Displaying 1-40 of 127 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.