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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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Deposit Amount
$1 $100,000

150 Results


Nationwide Only
NASA FCU49 Months Share Certificate Special 18 Reviews
2.00%
$5k-$2,111
2.00%
$1k-$2,067
1.81%
$500-$1,865
Communitywide FCU48 Months Share Certificate3 Reviews
1.80%
$2k-$1,854
1.78%
$10k-$1,828
Andrews FCU48 Month Jumbo Share Certificate16 Reviews
1.76%
$10k-$1,812
Mid-Illini Credit Union48 Month Share Certificate2 Reviews
1.76%
$500-$1,812
1.75%
$500-$1,802
1.75%
$500-$1,802
Salem Five Direct48 Month eCD Special15 Reviews
1.75%
$10k-$1,802
1.75%*
$10k-$1,796
Popular Direct4 Year Popular Direct CD
1.75%
$10k-$1,796
1.75%
$500-$1,762
First Flight FCU48 Month Share Certificate
1.71%*
$10k-$1,759
1.70%
$500-$1,786
Alliant Credit Union48 Month Jumbo Share CD33 Reviews
1.70%
$25k-$1,749
GTE Financial48 Month Share Certificate - Member Advantage11 Reviews
1.70%
$500-$1,749
1.67%
$1k-$1,717
EverBank4 Year Yield Pledge CD20 Reviews
1.66%
$1,500-$1,702
1.65%*
$25k-$1,696
1.65%
$1k$240k$1,691
KS StateBank4 Year CD
1.65%
$500-$1,691
1.65%
$2,500$250k$1,691
1.65%*
$20k-$1,691
5Star Bank4 Year CD Special2 Reviews
1.65%
$1k$250k$1,691
State Department FCU48 Month Certificate4 Reviews
1.61%
$500-$1,654
Wings Financial Credit Union4 Year Dividend Paid Quarterly Share Certificate30 Reviews
1.61%*
$10k-$1,649
Garden Savings FCU4 Year Share Certificate
1.61%
$500-$1,649
Barclays48 Month Online CD100 Reviews
1.60%
--$1,643
AgFed Credit Union48 Month Share Certificate
1.60%
$1k-$1,643
1.60%
$2,500-$1,639
1.56%
$500-$1,601
Northwest FCU4 Year Share Certificate12 Reviews
1.56%*
$1k-$1,597
UNIFY Financial Credit Union48 Month Share Certificate3 Reviews
1.55%*
$1k-$1,591
1.55%
$500-$1,591
1.55%
$1k$100k$1,586
NuVision FCU4 Year CD
1.55%*
$25k-$1,586
Service Credit Union4 Year Share Certificate13 Reviews
1.55%
$1k-$1,586
1.55%
$500-$1,586

Displaying 1-40 of 150 Results


4 Year CD Rate Trend

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.

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 instututions 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.