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 | 2.10% | |
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 1.80% | |
 | BBVA 12-Month CD Account | $500 | 1.50% |
Best 4-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Dover Federal Credit Union | 2.76% | $100k | --- | 48-Month Jumbo CD | Review |
| State Department Federal Credit Union | 2.73% | $500 | --- | 48-Month IRA | Review |
| Hiway Federal Credit Union | 2.70% | $25k | --- | 48-Month CD | Review |
| Pen Air Federal Credit Union | 2.70% | $500 | --- | 48-Month CD | Review |
| NASA Federal Credit Union | 2.60% | $10k | --- | 49-Month CD | Review |
| Advancial | 2.59% | $50k | --- | 48 Month Jumbo CD | Review |
| MAC Federal Credit Union | 2.55% | $1k | --- | 48-Month CD | Review |
| Northrop Grumman Federal Credit Union | 2.55% | $40k | --- | 48-Month CD | Review |
| Garden Savings Federal Credit Union | 2.53% | $500 | --- | 48 Month CD | Review |
| State Department Federal Credit Union | 2.52% | $500 | --- | 48-Month Jumbo CD | Review |
| BONUS LINK | OFFER | REVIEW |
| Chase SapphireSM Checking | $1,000 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| Discover Cashback Debit | $360 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $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 |
| CIT Bank Savings Builder | $300 Cash | Review |
