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 | 2.25% |
Best 4-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Community Financial Services Bank | 3.39% | $1K | --- | 49-Month CD | Review |
| State Bank of India | 3.29% | $25K | --- | 4-Year Senior Citizen CD | Review |
| Home Savings Bank | 3.25% | $5K | --- | 4-Year CD | Review |
| Connexus Credit Union | 3.20% | $5K | --- | 42-Month CD | Review |
| MainStreet Bank | 3.15% | $500 | --- | 48-Month CD | Review |
| Georgia Banking Company | 3.10% | $500 | --- | 48-Month CD | Review |
| First Internet Bank | 3.09% | $1K | --- | 48-Month CD | Review |
| Latino Credit Union | 3.05% | $200K | --- | 4-Year CD | Review |
| Agriculture Federal Credit Union | 2.95% | $1k | --- | 48-Month CD | Review |
| The Vanguard Group | 2.70% | $10k | --- | 48-Month CD | Review |
| Fidelity Brokered | 2.70% | $1k | --- | 48-Month CD | Review |
Best 4-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| City Credit Union | TX | 4.00% | $1,000 | --- | 48-Month CD | Review |
| EFCU Financial | LA | 3.60% | $100k | --- | 48-Month IRA | Review |
| EFCU Financial | LA | 3.50% | $500 | --- | 48-Month IRA | Review |
| Bank of Utica | NY | 3.50% | $500 | --- | 4- Up to 5-Year CD | Review |
| Altura Credit Union | CA | 3.50% | $1k | --- | 50-Month | Review |
| EFCU Financial | LA | 3.50% | $100K | --- | 48-Month CD | Review |
| Jefferson Financial Credit Union | LA | 3.45% | $100K | --- | 4-Year CD | Review |
| EFCU Financial | LA | 3.40% | $500 | --- | 48-Month CD | Review |
| Wasatch Peaks Credit Union | UT | 3.40% | $500 | --- | 48-Month CD | Review |
| Cross River Bank | NJ | 3.35% | $500 | --- | 48-Month CD | Review |
| First Service Credit Union | TX | 3.35% | $50K | --- | 48-Month Jumbo CD | Review |
| Tech Credit Union | IN, IL | 3.35% | $100k | --- | 50-Month CD | 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 |
| P1FCU | ID, MT, OR, WA | 3.25% | $500 | --- | 4-Year CD | Review |
| Hills Bank | IA | 3.25% | $500 | --- | 47-Month CD | Review |
