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 CD Rates.
Looking for a certain term? See below for our list of the best CD rates in the following terms:
- Best 6-Month CD Rates
- Best 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 | ||
 | Discover Bank 12-Month CD Account | $2,500 | 2.50% | |
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | BBVA 36-Month CD Account | $500 | 2.25% |
Best 4-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| State Department Federal Credit Union | 3.24% | $500 | --- | 48-Month IRA | Review |
| State Bank of India | 3.24% | $25K | --- | 4-Year Senior Citizen CD | Review |
| University Federal Credit Union | 3.21% | $500 | --- | 48-Month CD | Review |
| First National Bank of America | 3.20% | $1K | --- | 48-59 Month CD | Review |
| Connexus Credit Union | 3.20% | $5K | --- | 42-Month CD | Review |
| GTE Financial | 3.20% | $100k | --- | 48-Month Jumbo CD | Review |
| MainStreet Bank | 3.15% | $500 | --- | 48-Month CD | Review |
| University Federal Credit Union | 3.14% | $100K | --- | 48-Month Jumbo CD | Review |
| Georgia Banking Company | 3.10% | $500 | --- | 48-Month CD | Review |
Best 4-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Front Wave Credit Union | CA | 4.00% | $1,000 | --- | 48-Month CD | Review |
| EFCU Financial | LA | 3.60% | $100K | --- | 48-Month Jumbo CD | Review |
| EFCU Financial | LA | 3.50% | $500 | --- | 48-Month IRA | Review |
| EFCU Financial | LA | 3.50% | $100K | --- | 48-Month CD | Review |
| EFCU Financial | LA | 3.40% | $500 | --- | 48-Month CD | Review |
| Jefferson Financial Credit Union | LA | 3.45% | $100K | --- | 4-Year CD | Review |
| Community Financial Services Bank | IN, IL, KY, MO, TN | 3.39% | $1k | --- | 49-Month | Review |
| Neighbors Federal Credit Union | LA | 3.30% | $1.5k | --- | 48-Month CD | Review |
| Lewis Clark Credit Union | ID, WA | 3.26% | $0 | --- | 48-Month CD | Review |
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