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The best 4-year CD rate is 4.28% APY from Lafayette Federal Credit Union. To find you the highest 4-year CD rates nationwide, we review CD rates from hundreds of banks and credit unions every day. CD terms of 42–53 months are eligible for our 4-year rankings, with minimum deposit requirements of up to $25,000. All CDs and rates in our rankings were collected, verified, and available to open as of June 6, 2025.
In the News
The Fed held rates steady for a third co꧒nsecutiv꧃e time at its May 7 meeting. Three rate cuts from September through December last year lowered the 澳洲幸运5官方开奖结果体彩网:federal funds rate by a full percentage point to a range of 4.25%–4.50%, its lowest range since February 2023. CD rates closely follow the fed funds rate, which means CD rates are expected to come down if the Fed lowers rates.
Below are the top CD and annuity rates available from our partners, followed by the best CD rates that we've found from 澳洲幸运5官方开奖结果体彩网:our research that are available to U.S. cust🅰omers everywhere:
You can find our ranking of the highest CD rates with terms of 42–53 months below. In cases where more than one institution pays the same annual percentage yield, we've prioritized CDs by the shortest term, then the CD requiring a smaller 澳洲幸运5官方开奖结果体彩网:minimum deposit,♏ and if still a tie, alphabetically by in🤪stitution name.
Best 4-Year CD Rates
- Lafayette Federal Credit Union – 4.28% APY
- Mountain America Credit Union – 4.20% APY
- Popular Direct – 4.15% APY
- NASA Federal Credit Union – 4.14% APY
- Quorum Federal Credit Union – 4.10% APY
- KS State Bank – 4.10% APY
- Utah First Credit Union – 4.05% APY
- Technology Credit Union – 4.00% APY
- USAlliance Financial – 4.00% APY
- Greenwood Credit Union – 4.00% APY
- SkyOne Federal Credit Union – 4.00% APY
- Bread Savings – 4.00% APY
- Merrick Bank – 4.00% APY
- Luana Savings Bank – 3.99% APY
- First Internet Bank – 3.97% APY
Detailed information on the top-paying four-year CDs available nationwide is provided below, including specifics about minimum de🐠posits and early-withdrawal penalties. For credit union CDs, information is also provided on how anyone can become a member.
Tip
Looking for a wider selection of CDs? See our picks for the 澳洲幸运5官方开奖结果体彩网:best CD rates🃏 to see terms ranging from three months to 10 years.
Lafayette Federal Credit Union – 4.28% APY
- Term (months): 48
- Minimum deposit: $500
- Early withdrawal penalty: 16 months of interest
- Overview: Anyone can join Lafayette Federal with a $10 membership in the Home Ownership Financial Literacy Council and $50 or more held in a savings account. Lafayette was founded in 1935 and is headquartered in Rockville, Maryland.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网🧔:Mountain America Credit Union – 4.20% APY
- Term (months): 48
- Minimum deposit: $500
- Early withdrawal penalty: 12 months of interest
- Overview: Anyone can join Mountain America by signing up for a $15 lifetime membership in the nonprofit American Consumer Council and keeping at least $1 in a savings account. Established in the 1930s, MACU is headquartered in Sandy, Utah.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:Popular Direct – 4.15% APY
- Term (months): 48
- Minimum deposit: $10,000
- Early withdrawal penalty: 12 months of interest
- Overview: Popular Direct is the online-only arm of Popular Bank, the U.S. banking subsidiary of Popular Inc., which was founded in 1893 and serves banking customers in the U.S., Puerto Rico, and the Caribbean. It is headquartered in New York.
- Rate verified as of June 6, 2025
澳洲幸运♛5官方开奖结果体彩网:NASA Federal Cr✤edit Union – 4.14% APY
- Term (months): 49 months
- Minimum deposit: $10,000
- Early withdrawal penalty: 12 months of interest
- Overview: Anyone can join NASA FCU by signing up for a free membership in the National Space Society and holding $5 or more in a savings account. NASA FCU is headquartered in Upper Marlboro, Maryland, and has a history that dates back to 1949.
- Rate verified as of June 6, 2025
澳🐭洲幸运5官方开奖结果体彩网:Quorum Federal Credit Union – 4.10% APY
- Term (months): 48
- Minimum deposit: $100
- Early withdrawal penalty: 3% of amount withdrawn
- Overview: Anyone can join Quorum by signing up for a free membership in the nonprofit American Consumer Council and keeping at least $5 in a savings account. Quorum FCU was founded in 1934 and is headquartered in New Jersey.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:KS State Bank – 4.10% APY
- Term (months): 48
- Minimum deposit: $500
- Early withdrawal penalty: 15 months of interest
- Overview: Established in 1969, KS State Bank operates six branches in Kansas and one in Phoenix, while serving online customers nationwide.
- Rate verified as of June 6, 2025
- Term (months): 48
- Minimum deposit: $2,000
- Early withdrawal penalty: All earned interest up to 6 months
- Overview: Credit union membership is available to anyone who makes a $5 donation to join the Community Volunteers of Utah. Headquartered in Salt Lake City, Utah First Credit Union was founded in 1935.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:Technology Credit Union – 4.00🐭% APY
- Term (months): 36–47 months
- Minimum deposit: $1,000
- Early withdrawal penalty: 6 months of interest
- Overview: Membership in the credit union is available to anyone who joins the Financial Fitness Association for $8, or one of several other affiliated organizations. Chartered in 1960, Technology Credit Union is headquartered in San Jose, California.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:USAlliance Financial – 4.00% APY
- Term (months): 48
- Minimum deposit: $500
- Early withdrawal penalty: 12 months of interest
- Overview: Anyone can join USAlliance by agreeing to a free membership in the nonprofit American Consumer Council and keeping at least $1 in a savings account. Established in 1966 to serve IBM employees, USAlliance is headquartered in Rye, New York.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:Greenwood Credit Union – 4.00% APY
- Term (months): 48
- Minimum deposit: $1,000
- Early withdrawal penalty: 6 months of interest
- Overview: Anyone can join Greenwood by simply keeping $5 or more in a savings account. Headquartered in Warwick, Rhode Island, Greenwood dates back to 1948.
- Rate verified as of June 6, 2025
- Term (months): 48
- Minimum deposit: $1,000
- Early withdrawal penalty: 6 months of interest
- Overview: Headquartered in Hawthorne, California, southwest of Los Angeles, SkyOne dates back to 1949. It originally was chartered as the CAA Region 6 Federal Credit Union in order to serve employees of the Civil Aeronautics Administration. It has been known as SkyOne since 2010. Anyone can earn membership eligibility by joining the American Consumer Council and paying its $8 membership fee.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:Bread Savings – 4.00% APY
- Term (months): 48
- Minimum deposit: $1,500
- Early withdrawal penalty: 12 months of interest
- Overview: Bread Savings is the online consumer deposits bank operated by credit card issuer Comenity Capital Bank.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:Merrick Bank – 4.00% APY
- Term (months): 48
- Minimum deposit: $25,000
- Early withdrawal penalty: 9 months of interest
- Overview: Primarily a credit card issuer and consumer finance provider, Merrick Bank offers online-only certificates of deposit.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:Luana Savings Bank – 3.99% APY
- Term (months): 48
- Minimum deposit: $2,000
- Early withdrawal penalty: 24 months of interest
- Overview: Luana Savings Bank was founded in 1908 in northeastern Iowa, and in addition to operating six Iowa branches, it serves nationwide customers online. Luana was founded in 1908 and is headquartered in Luana, Iowa.
- Rate verified as of June 6, 2025
澳洲幸运5官方开奖结果体彩网:First Internet Bank – 3.97% APY
- Term (months): 48
- Minimum deposit: $1,000
- Early withdrawal penalty: 12 months of interest
- Overview: First Internet Bank is so named because it claims to be the first FDIC-insured bank to operate exclusively online. Founded in 1999, it is based in the Indianapolis suburb of Fishers, Ind.
- Rate verified as of June 6, 2025
Fast Fact
When asked in March where they would be most likely to put an extra $10,000, 澳洲幸运5官方开奖结果体彩网:10% of Investopedia readers said they would choose CDs, above high-yield savings accounts and paying down debt, but trailing individual stocks, ETFs, and money market funds.
What Is a 4-Year CD?
A certificate of deposit is a special type of bank account that involves advance commitments from both the individual and the bank or credit union. Your commitment is to hold a lump-sum deposit in the account for a certain period of time, usually measured in months or years. In turn, the financial institution commits to paying you a fixed and known 澳洲幸运5官方开奖结果体彩网:interest rate for the full duration of the CD.
Because the bank can count on having access to the funds for an extended period, it will generally pay you a higher interest rate on your balance than if the funds were in a savings or 澳洲幸运5官方开奖结果体彩网:money market account, where unpreᩚᩚᩚᩚᩚᩚᩚᩚᩚ𒀱ᩚᩚᩚdictable withdrawals a🍒nd deposits are allowed.
A four-year CD is simply a certificate of deposit that has a maturity term of about four years or 48 months, though you'll sometimes encounter CDs with odd terms, such as 45 months or 49 months. Those that qualify for our four-year rankings have terms ranging from 42 to 53 months.
Though not as common as their three-year and five-year siblings, four-year CDs are offered by banks and 澳洲幸运5官方开奖结果体彩网:credit unions across the country. Not only might a four-year certificate offer the perfect time horizon for your financial plans, but it is also important to anyone establishing a 澳洲幸运5官方开奖结果体彩网:CD ladder.
Pros and Cons of a 4-Year CD
Guaranteed yield for four years
Entirely predictable earnings
Potentially higher APY than alternatives
Spending deterrent
Safe and virtually risk-free
Incurs penalty if withdrawn early
Only allows you to make a single deposit
If rates rise, you might wish you'd chosen a shorter CD
If rates drop, you might wish you'd chosen a longer CD
Future rate environment can't be predicted
Pros Explained
- Guaranteed yield for four years: A CD's 澳洲幸运5官方开奖结果体彩网:annual percentage yield (APY) is presented to you before you open it, and once you make your deposit, you'll be locking in that return for the full duration of the CD. The bank cannot change the rate.
- Entirely predictable earnings: Because you'll know the rate, and because it's locked, you can calculate exactly how much your CD will be worth on its 澳洲幸运5官方开奖结果体彩网:maturity date. Changes in financial markets or other factors in the news will have no bearing on your earnings.
- Potentially higher APY than alternatives: In some rate environments, you can earn a higher interest rate the longer you're willing to commit your funds. So when shopping around, check if stretching to a four-year CD can increase your rate.
- Spending deterrent: Because you can't make withdrawals from a CD without paying a penalty, you may be dissuaded from spending your savings on unplanned purchases.
- Safe and virtually risk-free: If you open your CD at an 澳洲幸运5官方开奖结果体彩网:FDIC-insured bank or 澳洲幸运5官方开奖结果体彩网:NCUA-insured credit union, your CD deposits of up to $250,000 per person and per institution are protected, even if the institution fails.
Cons Explained
- Incurs penalty if withdrawn early: If you need to cash out your CD before maturity, you can do so, but you'll be charged an 澳洲幸运5官方开奖结果体彩网:early withdrawal penalty. The amount of that penalty will be spelled out in your CD agreement, which you should review before committing your funds, as penalty policies can vary widely across institutions.
- Only allows you to make a single deposit: The vast majority of CDs are designed to take one initial deposit that is kept on hold through the CD's term. Only niche 澳洲幸运5官方开奖结果体彩网:"add-on" CDs offer the ability to deposit additional funds.
- If rates rise, you might wish you'd chosen a shorter CD: If you lock in your 4-year CD rate and then rates climb higher, you may wish you had opted for a shorter CD so you could have gotten out of your current rate sooner and opened a new CD at a higher rate.
- If rates drop, you might wish you'd chosen a longer CD: If rates go down after you lock in a 4-year CD, you may wish you'd gone for a 5-year term instead, to retain your rate further into the future.
- Future rate environment can't be predicted: Only very occasionally is it clear where interest rates are headed. Most of the time, anything is possible months or years down the road, making it difficult to gauge what the best CD moves are at any given time.
Compare the Best 4-Year CDs
| Institution | Rate (APY) | Term | Minimum Deposit | Early Withdrawal Penalty |
|---|---|---|---|---|
| 澳洲幸运5官方开奖结果体彩网:Lafayette Federal Credit Union | 4.28% | 48 months | $500 | 16 months of interest |
| 澳洲幸运5官方开奖结果体彩网:Mountain America Credit Union | 4.20% | 48 months | $500 | 12 months of interest |
| 澳洲幸运5官方开奖结果体彩网:Popular Direct | 4.15% | 48 months | $10,000 | 12 months of interest |
| 澳洲幸运5官方开奖结果体彩网:NASA Federal Credit Union | 4.14% | 49 months | $10,000 | All earned interest up to 12 months |
| 澳洲幸运5官方开奖结果体彩网:Quorum Federal Credit Union | 4.10% | 48 months | $100 | 3% of amount withdrawn |
| 澳洲幸运5官方开奖结果体彩网:KS State Bank | 4.10% | 48 months | $500 | 15 months of interest |
| 4.05% | 48 months | $2,000 | All earned interest up to 6 months | |
| 澳洲幸运5官方开奖结果体彩网:Technology Credit Union | 4.00% | 36–47 months | $1,000 | 6 months of interest |
| 澳洲幸运5官方开奖结果体彩网:USAlliance Financial | 4.00% | 48 months | $500 | 12 months of interest |
| 澳洲幸运5官方开奖结果体彩网:Greenwood Credit Union | 4.00% | 48 months | $1,000 | 6 months of interest |
| 4.00% | 48 months | $1,000 | 6 months of interest | |
| 澳洲幸运5官方开奖结果体彩网:Bread Savings | 4.00% | 48 months | $1,500 | 12 months of interest |
| 澳洲幸运5官方开奖结果体彩网:Merrick Bank | 4.00% | 48 months | $25,000 | 9 months of interest |
| 澳洲幸运5官方开奖结果体彩网:Luana Savings Bank | 3.99% | 48 months | $2,000 | 24 months of interest |
| 澳洲幸运5官方开奖结果体彩网:First Internet Bank | 3.97% | 48 months | $1,000 | 12 months of interest |
Alternatives to a 4-Year CD
Shorter-Term CDs
Opening a certificate with a shorter term may be a better choice if you're not entirely confident you can leave the funds on deposit for a full four years. Also, sometimes you can score a higher rate on a shorter CD than on a longer one. It depends on the current rate environment, and also what promotional CDs might be available in the marketplace.
If you open a shorter-term CD, you can always cash it in when it matures and open a new CD. But you may find that rates have dropped. If rates are now higher, it's great news. But if rates are lower than when you opened your initial CD, you may wish you'd locked in your rate for four years instead of the shorter term.
High-Yield Savings and Money Market Accounts
Keeping your cash in a savings or money market account offers much more flexibility than a CD, with no risk of an early withdrawal penalty. You'll be able to add and withdraw funds more or less as often as you like.
The trade-off, however, is that your interest rate on a liquid account can change at any time. So if rates are declining, the annual percentage yield on your 澳洲幸运5官方开奖结果体彩网:high-yield savings or 澳洲幸运5官方开奖结果体彩网:money market account will almost certa🥃inly go down, while any rate on a CD wil🤪l hold.
In addition, liquid accounts typically don't offer as high a return as CDs. By committing your funds to a certain CD term, you can usually boost your earnings, and sometimes quite substantially.
Bond Products
Various types of bonds are also possibilities for your cash savings. Some, like U.S. Treasury savings bonds and 澳洲幸运5官方开奖结果体彩网:Treasury notes, are very similar to CDs in that the rate is typically predictable if you hold the bond until maturity. They are also backed by the federal government, so like CDs, they are exceptionally safe.
U.S. Treasury I bonds, however, only have a fixed rate for six months at a time. Twice a year, the rate is adjusted based on the current inflation rate (hence the name I bond). Like a CD, I bonds have an early withdrawal penalty, but it's a mild three months' worth of interest. Also, unlike a CD, you cannot for any reason cash in an I bond during its first 12 months.
Other bond options are 澳洲幸运5官方开奖结果体彩网:municipal and 澳洲幸运5官方开奖结果体彩网:corporate bonds of various lengths. But the easiest way for most people to buy these is through a 澳洲幸运5官方开奖结果体彩网:bond mutual fund or bond ETF (exchange-traded fund) that bundles many bonds together. Some of these even include hundreds or thousands of bonds in a certain category, making them an 澳洲幸运5官方开奖结果体彩网:index fund of bonds. By going this route, you can 🌜make invest𒀰ments and withdrawals at will, rather than having to be concerned with maturity dates.
Important
When CD shopping, stay open-minded about the maturity term you're seeking. Not only do some institutions offer odd-term CDs with better rates (think 35 months or 49 months), but it's also true that some banks will offer a promotional CD that, despite having a much shorter term, actually offers aﷺ higher rate than the term you're looking to open.
The Stock Market
If you know you won't need your funds for four years, you could consider investing in stocks instead. The upside is that you could potentially earn quite a bit more in the stock market than with a fixed four-year CD rate.
The notable downside, of course, is that you can always lose money in the stock market, including scenarios where you lose most of your investment. So while CDs won't return as much as equities in a 澳洲幸运5官方开奖结果体彩网:bullish stock market period, on the flip side they are guaranteed to g꧒row, with no risk of you losing your 💧initial principal.
Frequently Asked Questions
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When Is a 4-Year CD a Good Idea?
There are two main reasons to consider a CD that's four years in length. The first is based on your personal timeline. If you know you can lock up the funds for a number of years, but five years is a bit too long because you'll need the funds sooner than that, a four-year term can get you close to those five-year yields while shortening the time until you can access the funds.
The second reason to buy a four-year CD is if you are building a five-year CD ladder. This is explained in more depth below, but in short, it involves buying an array of different CD terms, in yearly durations of up to five years. Hence, you'll need one four-year CD to complete the group.
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What If I Need My Money Before Maturity?
You can typically withdraw your money from a CD at just about any time, but it may take up to a week to get your money and it will come at a price.
Since the entire premise of a CD is that the bank is paying you a better interest rate in exchange for your agreement that you'll keep the funds on deposit until maturity, cashing the CD in early means you are breaking your end of the deal. The result is called an early-withdrawal penalty, and like rates, the penal⛄ties vary tremendously across ins❀titutions.
Most types of penalties make you forfeit some months of earned interest. This can be as few as one month or as long as 24 months. Generally, the longer the CD term, the more months of interest you'll be penalized.
Even worse are early withdrawal policies that calculate the penalty as a percentage of your balance because these can dip into your 澳洲幸运5官方开奖结果体彩网:principal. You should always avoid any CD with a penalty that can red💙uce your p🌜rincipal.
Be sure to look into the early withdrawal policy for any CD you're considering. If you find yourself trying to decide between two fairly similar CDs, it's wise to go with the one assessing a milder penalty, just in case an emergency arises and you find yourself needing to withdraw.
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What Is a CD Ladder?
The term CD ladder refers to a strategy designed to maximize the amount of interest you can earn over a long period of time, while still giving you access to a portion of the funds every year. For a five-year CD ladder, you'll invest one-fifth of the total funds into five different CD durations (e.g., the rungs of the ladder) and eventually use the proceeds of each maturing CD into a five-year CD, since those certificates typically pay the highest rates.
Let's say you want to keep $50,000 invested in safe, reliable CDs for 澳洲幸运5官方开奖结果体彩网:capital preservation. Instead of investing it all in a single five-year CD and having no access to the full amount for that time, you can build a five-year CD ladder by putting $10,000 into a one-year CD, $10,000 into a two-year CD, and so forth, un♔til you have five $10,000 CDs all maturing a year apart.
Each year, when one of the CDs matures, those funds are used to buy a new five-year CD to earn a higher yield and continue the ladder. After the fourth maturity, you'll still have five certificates, but they will now comprise a portfolio of only five-year CDs, with one available for withdrawal every year.
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How Do Banks and Credit Unions Differ?
You can open a certificate of deposit at almost any bank or credit union. And for the most part, there is little difference between CDs from these different institution types. Indeed, both banks and credit unions offer the same level of deposit insurance ($250,000 per indiv𓆉idual) should the institution fail.
The biggest difference is that opening any account at a credit union requires you to 澳洲幸运5官方开奖结果体彩网:first become a member since credit unions are member-owned not-for-profit organizations. Further, you'll find that the rules of eligibility for membership are unique to each credit union, with some based on where you live, while others are based on where you work.
All of the credit union CDs in our rankings are from credit unions that allow anyone nationwide to join regardless of where you live or work. H✃owever, doing so sometimes requires a small donation or fee.
Still, joining a particular credit union can be worth it, as many credit unions make up the top ranks in various CD terms. In particular, the longer the term you're shopping for, the better served you'll be by staying open-minded to a credit union CD.
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Financial Institutions We Review
We researched and reviewed more than 250 banks, credit unions, and financial institutions to find the best CD rates you see above on this list. While we write individual reviews for most, we do not always write reviews for those we would not recommend. Below are the banks, credit unions, and financial institutions we researched along with links to individual company reviews to help you learn more before making a decision:
1st Source Bank, 5star Bank, ableBanking, Abound Credit Union, Achieva Credit Union, Affinity Federal Credit Union, Affinity Plus Federal Credit Union, Air Force Federal Credit Union, Alabama Credit Union, Allegacy Federal Credit Union, Alliant Credit Union, Ally Bank, Amerant Bank, American 1 Credit Union, American Express, American Heritage Credit Union, Andrews Federal Credit Union, Apple Federal Credit Union, Banco do Brasil Americas, Banesco USA, Bank of Baroda, Bank5 Connect, Bank7, Texas Capital Bank, bankESB (Easthampton Savings Bank), BankUnitedDirect, Barclays, BBVA Bank, Bellco Credit Union, Blue Federal Credit Union, BMO, BMO Alto, 澳洲幸运5官方开奖结果体彩网:BrioDirect, Cadets Federal Credit Union, California Coast Credit Union, 澳洲幸运5官方开奖结果体彩网:Capital One, Capitol Federal Savings Bank, CD Bank, CFG Bank, 澳洲幸运5官方开奖结果体彩网:Chase Bank, Chevron Federal Credit Union, CIBC (Agility Banking), CIT Bank, Citibank, Citizens Access, Citizens Trust Bank, Colorado Federal Savings Bank, 澳洲幸运5官方开奖结果体彩网:Bread Savings, Communitywide Federal Credit Union, ConnectOne Bank, Connexus Credit Union, Consumers Credit Union, Corporate America Federal Credit Union (CAFCU), Credit Union of Denver, Credit Union of the Rockies, Digital, Federal Credit Union, 澳洲幸运5官方开奖结果体彩网:Discover Bank, DollarSavingsDirect, Dover Federal Credit Union, Dow Credit Union, Evergreen Bank Group, RocklandTrust Bank, Elements Financial, EmigrantDirect.com, Liberty Federal Credit Union, 澳洲幸运5官方开奖结果体彩网:Fidelity Investments, Financial Partners Credit Union, Financial Resources Federal Credit Union, First Financial Credit Union, First Financial Northwest Bank, First Internet Bank, First National Bank of America, First Technology Federal Credit Union, Fort Bragg Federal Credit Union, Garden Savings Federal Credit Union, Georgia Banking Company, Georgia's Own Credit Union, GreenState Credit Union, Greenwood Credit Union, Grow Financial Federal Credit Union, GTE Financial, Gulf Coast Bank & Trust Company, Hanscom Federal Credit Union, Heritage Bank, Hiway Federal Credit Union, Home Loan Investment Bank, Home Savings Bank, Hope Credit Union, HSBC Direct, Hughes Federal Credit Union, Hyperion Bank, Ideal Credit Union, iGObanking, Interior Federal Credit Union, Justice Federal Credit Union, Kinecta Federal Credit Union, KS State Bank, La Capitol Federal Credit Union, Lafayette Federal Credit Union, Lake Michigan Credit Union, Langley Federal Credit Union, Latino Community Credit Union, Limelight Bank, Live Oak Bank, Luther Burbank Savings, MYSB Direct, MAC Federal Credit Union, Main Street Bank, MainStreet Bank, MapleMark Bank, Marcus by Goldman Sachs, Market USA Federal Credit Union, Matadors Community Credit Union, MECU Credit Union, Merrick Bank, Michigan State University Federal Credit Union, Mills42 Federal Credit Union, Mountain America Credit Union, MTC Federal Credit Union, MutualOne Bank, My Banking Direct, My eBanc, My Savings Direct, NASA Federal Credit Union, Nationwide by 澳洲幸运5官方开奖结果体彩网:Axos Bank, 澳洲幸运5官方开奖结果体彩网:Navy Federal Credit Union, nbkc, NexBank, North Country Savings Bank, Northern Bank Direct, Northfield Bank, Northpointe Bank, Nuvision Federal Credit Union, Oklahoma Central Credit Union, One American Bank, OneUnited Bank, Pacific National Bank, Paramount Bank, PARDA Federal Credit Union, Partner Colorado Credit Union, Patelco Credit Union, Pen Air Federal Credit Union, 澳洲幸运5官方开奖结果体彩网:PenFed Credit Union, People's Credit Union, First Service Credit Union, Pinnacle Federal Credit Union, 澳洲幸运5官方开奖结果体彩网:Popular Direct, Premier America Credit Union, Presidential Bank, FSB, Prime Alliance Bank, PSECU (Pennsylvania State Employees Credit Union), Quontic Bank, Quorum Federal Credit Union, Rising Bank, Merrimack Valley Credit Union, Salal Credit Union, 澳洲幸运5官方开奖结果体彩网:Sallie Mae Bank, Santa Clara County Federal Credit Union, Signature Federal Credit Union, Spectrum Credit Union, SRP Federal Credit Union, State Bank of India Chicago, State Bank of India New York, State Bank of Texas, State Department Federal Credit Union, Summit Credit Union, Sun East Federal Credit Union, Superior Choice Credit Union, 澳洲幸运5官方开奖结果体彩网:Synchrony Bank, TAB Bank, Teachers Federal Credit Union, Technology Credit Union, The Federal Savings Bank, 澳洲幸运5官方开奖结果体彩网:Third Federal Savings & Loan, EverBank, TotalBank, Transportation Federal Credit Union, TruStone Financial Credit Union, UNIFY Financial Credit Union, Expedition Credit Union, United States Senate Federal Credit Union, United Texas Bank, University Federal Credit Union, US Bank, USAlliance Financial, USPS Federal Credit Union, Velocity Credit Union, VeraBank, Vio Bank, Virtual Bank, WebBank, Webster Bank, 澳洲幸运5官方开奖结果体彩网:Wells Fargo, Western Vista Credit Union, Wings Financial Credit Union, XCEL Federal Credit Union, BankPurely, Umbrella Bank, giantbank.com, CapEd Credit Union, Zeal Credit Union, Finworth, Coastal1 Credit Union, Service Credit Union, National Cooperative Bank, Premier Members Credit Union, 澳洲幸运5官方开奖结果体彩网:Bank of America, Flagstar Bank, 1st MidAmerica Credit Union, INOVA Federal Credit Union, Genisys Credit Union, Ivy Bank, Heartland Credit Union, Luana Savings Bank, Spectra Credit Union, Workers Credit Union, Credit Human, EFCU Financial, Poppy Bank, Credit One Bank, Vibrant Credit Union, CFBank, Department of Commerce Federal Credit Union, Seattle Bank, Crescent Bank, Pima Federal Credit Union, Cross River Bank, USAA, Great River Federal Credit Union, Brilliant Bank, Merchants Bank of Indiana, 澳洲幸运5官方开奖结果体彩网:LendingClub, Chartway Credit Union, First Central Savings Bank, AgFed Credit Union, North American Savings Bank, Pelican State Credit Union, First Community Credit Union, Bask Bank, Skyla Credit Union, SkyOne Federal Credit Union, 3Rivers Federal Credit Union, Utah First Credit Union, Pasadena Federal Credit Union, Magnifi Financial, AloStar, Primis Bank, Farmers Insurance Federal Credit Union, Tampa Bay Federal Credit Union, Veridian Credit Union, Republic Bank, Salem Five Direct, All In Credit Union, Bethpage Federal Credit Union, Self-Help Federal Credit Union, Forbright Bank, Jovia Financial Credit Union, Sun Canyon Bank, Fortera Credit Union, Partners 1st Federal Credit Union, SouthEast Bank, American Bank, Newtek Bank, CBC Federal Credit Union, Vanguard, All America Bank, Amalgamated Bank, Citizens State Bank, AmBoy Direct, Republic Bank of Chicago, Oklahoma Community Credit Union, BluPeak Credit Union, Valley Direct, Bayer Heritage Federal Credit Union, First Harvest Credit Union, Orion Federal Credit Union, Wellby Financial, FedChoice Federal Credit Union, CoVantage Credit Union, Choice First Bank, Sandia Area Federal Credit Union, OMB Bank, Minnequa Works Credit Union, Securityplus Federal Credit Union, B༒ank of South Texas, T Bank
How We Find the Best 4-Year CD Rates
Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide and determines daily rankings of the top-paying certificates in every major term. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA fo🍸r credit unions), the CD's minimum initial deposit must not exceed $25,000, and any specified maximum deposit cannot be under $5,000.
Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don't meet other eligibility criteria (e.g., you don't live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, 澳洲幸运5官方开奖结果体彩网:read our full methodology.
Your Guide to CDs
- 澳洲幸运5官方开奖♔结果体彩꧋网:What Is a Certificate of Deposit (CD)?
- 澳洲幸运5官方开奖结果体彩网:What Is a Brokered CD?
- 澳洲幸运5官方开奖结果体彩网:What Is a CD Ladder?
- 澳洲幸运5官方开奖结果体彩网:Pros and Cons of CDs
- 澳洲幸运5官方开奖结果体彩网:How to Invest With CDs
- 澳洲幸运5官方开奖结果体彩网:How to Open a CD
- 澳洲幸运5官方开奖结果体彩网:How to Close a CD
- 澳洲幸运5官方开奖结果体彩网:CDs vs. Annuities
- 澳洲幸运5官方开奖结果体彩网:CDs vs. Stocks
- 澳洲幸运5官方开奖结果体彩网:CDs vs. Mutual Funds
- 澳洲幸运5官方开奖结果体彩网:CDs for ETFs
- 澳洲幸运5官方开奖结果体彩网:CDs vs. Savings Accounts
- 澳洲幸运5官方开奖结果体彩网:Short-Term vs. Long-Term CDs
- 澳洲幸运5官方开奖结果体彩网:CD Rates News
- 澳洲幸运5官方开奖结果体彩网:Best CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best 3-Month CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best 6-Month CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best 1-Year CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best 18-Month CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best 2-Year CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best 3-Year CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best 5-Year CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best Bank CD Rates
- 澳洲幸运5官方开奖结果体彩网:Best Jumbo CD Rates
*Disclosure: Annuity rates are subject to change at any time and the rate mentioned may no longer be current. Please visit for current rates, full product disclosures, and disclaimer. Withdrawals above the 10 percent free withdrawal amount subject to a withdrawal charge and market value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity, instead, it is taxed annually.
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Investopedia / Alice Morgan
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