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 | 2.20% | |
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | BBVA 12-Month CD Account | $500 | 1.80% |
Best 4-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| State Department Federal Credit Union | 2.83% | $500 | --- | 48-Month IRA | Review |
| Latino Credit Union | 2.80% | $200K | --- | 48-Month Jumbo CD | Review |
| Hiway Federal Credit Union | 2.70% | $25K | --- | 48-Month CD | Review |
| Pen Air Federal Credit Union | 2.70% | $500 | --- | 48-Month CD | Review |
| University Federal Credit Union | 2.70% | $100K | --- | 48-Month Jumbo CD | Review |
| Hanscom Federal Credit Union | 2.65% | $1K | --- | 48-Month CD | Review |
| Affinity Plus Federal Credit Union | 2.50% | $500 | --- | 48 Month CD | Review |
| First National Bank of America | 2.50% | $1K | --- | 48-59 Month CD | Review |
| Navy Federal Credit Union | 2.50% | $100K | --- | 48-Month Jumbo CD | Review |
| XCEL Federal Credit Union | 2.50% | $500 | --- | 48-Month CD | Review |
