Browsing the web for the Best 4-Year CD Rates to invest your funds in? Well, you’re in the right spot. Below is our guide to help you find the Best 4-Year CD Rates. CDs, short for Certificate of deposits, will offer you one of the top & secure return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Need to see a more full, extensive list of available CD rates before deciding? See our post on the Best National CD Rates or the Best Regional CD Rates.
Looking for a certain term? See below for our list of the best CD rates in the following terms:
- Best 6 or 9-Month CD Rates
- Best 1-Year CD Rates
- Best 18-Month CD Rates
- Best 2-Year CD Rates
- Best 3-Year CD Rates
- Best 5-Year CD Rates
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | BBVA Compass Bank 36-Month CD Account | $500 | 2.35% |
Best 4-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| State Bank of India | 3.44% | $500K | --- | 4-Year Senior Citizen CD | Review |
| Community Financial Services Bank | 3.39% | $1K | --- | 49-Month CD | Review |
| Georgia Banking Company | 3.35% | $500 | --- | 48-Month CD | Review |
| Latino Credit Union | 3.30% | $200K | --- | 4-Year CD | Review |
| KS State Bank | 3.30% | $500 | --- | 4-Year CD | Review |
| Home Savings Bank | 3.25% | $5K | --- | 4-Year CD | Review |
| Utah First Credit Union | 3.25% | $2K | --- | 48-Month CD | Review |
| Home Savings Bank | 3.25% | $5K | --- | 4-Year CD | Review |
| Popular Direct | 3.25% | $10K | --- | 4-Year CD | Review |
| Connexus Credit Union | 3.20% | $5K | --- | 42-Month CD | Review |
| Michigan State University Federal Credit Union | 3.16% | $100K | --- | 4-Year Jumbo CD | Review |
| PenFed Credit Union | 3.15% | $1K | --- | 4-Year CD | Review |
| First Internet Bank | 3.14% | $1K | --- | 48-Month CD | Review |
| Citizens Access | 3.10% | $5K | --- | 4-Year CD | Review |
| Live Oak Bank | 3.10% | $2.5K | $250K | 4-Year CD | Review |
| Vio Bank | 3.10% | $500 | --- | 3.10% ($500 Min) 4-Year CD | Review |
Best 4-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Pelican State Credit Union | LA | 3.61% | $500 | --- | 4-Year CD | Review |
| Cross River Bank | NJ | 3.56% | $500 | --- | 48-Month CD | Review |
| Bank of Utica | NY | 3.50% | $500 | --- | 4- Up to 5-Year CD | Review |
| Fahey Bank | OH | 3.50% | $500 | --- | 48-Month CD | Review |
| Jefferson Financial Credit Union | LA | 3.45% | $10K | --- | 4-Year CD | Review |
| Neighbors Federal Credit Union | LA | 3.41% | $1.5K | --- | 48-Month CD | Review |
| First Service Credit Union | TX | 3.35% | $50K | --- | 48-Month Jumbo CD | Review |
| Tech Credit Union | IN, IL | 3.325% | $1K | --- | 50-Month Premium Compound CD | Review |
| Fairwinds Credit Union | FL | 3.30% | $1K | --- | 44-Month CD | Review |
| Lewis Clark Credit Union | ID, WA | 3.26% | $2.5K | --- | 48-Month CD | Review |
| First Service Credit Union | TX | 3.25% | $1K | --- | 48-Month CD | Review |
| P1FCU | ID, MT, OR, WA | 3.25% | $500 | --- | 4-Year CD | Review |
| Rocky Mountain Credit Union | MT | 3.25% | $1K | --- | 48-Month CD | Review |
| TruMark Financial Credit Union | PA | 3.25% | $75K | --- | 48-Month CD | Review |
