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 | ||
 | CIT Bank 12-Month CD Account | $1,000 | 0.30% | |
 | Discover Bank 12-Month CD Account | $2,500 | 0.60% | |
 | BBVA 36-Month CD Account | $500 | 0.20% |
Best 4-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Barksdale Federal Credit Union | 1.41% | $1k | --- | 48-Month CD | Review |
| Wings Financial Credit Union | 1.31% | $250k | --- | 48-Month CD | Review |
| Blue Federal Credit Union | 1.30% | $100k | --- | 48-Month CD | Review |
| Georgia's Own Credit Union | 1.30% | $500 | --- | 48-Month CD | Review |
| Hiway Federal Credit Union | 1.30% | $25k | --- | 48-Month CD | Review |
| Pen Air Federal Credit Union | 1.25% | $1k | --- | 48-Month CD | Review |
| Ideal Credit Union | 1.21% | $70k | --- | 48-Month CD | Review |
| Hyperion Bank | 1.20% | $500 | --- | 48-Month CD | Review |
| Primary Bank | 1.20% | $1k | --- | 48-Month CD | Review |
| United Texas Bank | 1.15% | $1k | --- | 48-Month CD | Review |
| BONUS LINK | OFFER | REVIEW |
| Chase Business Checking | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| Chase SavingsSM | $150 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Aspiration | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington 25 Checking | $500 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Huntington Asterisk-Free Checking® | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Ally Invest | Up to $3,500 Cash | Review |
| Simple | 0.60% APY | Review |
