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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:

177 Results

Nationwide Only
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NASA FCU49 Months Share Certificate Special (New Money)33 Reviews
3.35%
$5k-$3,610
Fort Knox FCU46 Month CD Special22 Reviews
3.30%
$500-$3,323
3.29%
$500-$3,456
Communitywide FCU48 Month Share Certificate4 Reviews
3.20%
$2k-$3,367
3.15%
$500-$3,312
State Bank of India4 Year Senior Citizen CD
3.14%
$25k-$3,291
M.Y. Safra Bank48 Month Online Promo CD 3 Reviews
3.05%
$1k-$3,202
Popular Direct4 Year Popular Direct CD
3.05%
$10k-$3,192
Citizens AccessOnline 4 Year CD
3.05%
$5k-$3,192
3.00%*
$1k-$3,147
3.00%
$500-$3,147
Vio Bank48 Month High Yield Online CD
3.00%
$500-$3,147
Service Credit Union4 Year Share Certificate19 Reviews
3.00%
$1k-$3,138
3.00%
$500-$3,138
3.00%
$500-$2,938
Connexus Credit Union42 Month Certificate 30 Reviews
3.00%
$5k-$2,733
TIAA Bank4 Year Yield Pledge CD10 Reviews
2.95%
$5k-$3,083
2.94%
$1k-$3,081
ConnectOne Bank48 Month Personal CD4 Reviews
2.94%
$500-$3,081
United States Senate FCU48-60 Month Share Certificate5 Reviews
2.91%*
$20k$100k$3,015
2.85%
$2.5k$250k$2,974
2.80%
$2k-$2,928
2.80%
$250-$2,735
One American Bank51 Month CD Special6 Reviews
2.79%
$5k-$3,110
PenFed Credit Union4 Year Money Market Certificate142 Reviews
2.76%
$1k-$2,876
Capital One48 Month 360 CD389 Reviews
2.75%
--$2,874
University FCU48 Month Fixed CD12 Reviews
2.75%
$1k-$2,874
2.75%
$500-$2,874
2.75%
$500-$2,866
State Department FCU48 Month Certificate6 Reviews
2.73%
$500-$2,852
Interior FCU48 Month Share Certificate
2.73%*
$500-$2,852
Wings Financial Credit Union4 Year Dividend Paid Quarterly Certificate35 Reviews
2.73%*
$10k-$2,844
2.70%*
$500-$2,819
AgFed Credit Union48 Month Share Certificate4 Reviews
2.70%
$1k-$2,819
2.70%
$2.5k-$2,811
2.70%
$500$1m$2,811

Displaying 1-40 of 177 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 feedback@depositaccounts.com 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.