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Find the best CD rates here. Searching for higher interest rates than your savings account or money market account? Look into investing in a certificate of deposit (CD). CD rates can vary quite a bit, but we make finding the highest CD rates easy! Planning for retirement? Look into IRA CDs. Compare RateBrain's results for the best CD rates to the national average CD rates.
The Best 4 Year CD Rates (Certificate of Deposit). Compare the Best 4 Year CD Rates (Certificate of Deposit). FDIC insured Banks. Highest APY Interest Rate. Highest Yield CD Rates. Review the Top High Yield Certificate of Deposit rates
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Best 4 Year CD Rates
Available Nationwide, Government Insured - July 2, 2025, 10:23 pm PT
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| Bank | Type | APY | Actions | Last Checked |
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| BMO Alto | 4 Year CD | 4.50% ↓ (down from 5.20%) |
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May 3 (Yesterday) | |
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| Popular Direct | 4 Year CD | 4.35% ↓ (down from 4.65%) |
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Apr 20 (14 days ago) | |
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| Self Help Credit Union | 4 Year CD | 4.08% ↓ (down from 4.60%) |
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Jul 19 (14 days ago) | |
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| Marcus (Goldman Sachs Bank) | 4 Year CD | 4.05% ↓ (down from 4.20%) |
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Jul 19 (14 days ago) | |
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| TAB Bank | 4 Year CD | 4.05% ↓ (down from 5.27%) |
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Jul 19 (14 days ago) | |
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| Bread Financial | 4 Year CD | 4.00% ↓ (down from 4.25%) |
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Feb 28 (4 days ago) | |
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| Bank | Type | APY | Actions | Last Checked |
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| Quaint Oak Bank | 4 Year CD | 4.00% ↓ (down from 4.25%) |
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Jan 21 (12 days ago) | |
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| Apple Federal Credit Union | 4 Year CD | 4.00% ↑ (up from 3.90%) |
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Apr 6 (28 days ago) | |
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| Synchrony Bank | 4 Year CD | 4.00% ↓ (down from 4.30%) |
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Jul 19 (14 days ago) | |
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| EverBank | 4 Year CD | 4.00% ↓ (down from 4.05%) |
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Mar 13 (21 days ago) | |
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| Capital One | 4 Year CD | 3.95% ↓ (down from 4.20%) |
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May 9 (23 days ago) | |
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| Capital One 360 | 4 Year CD | 3.95% ↓ (down from 4.20%) |
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May 9 (23 days ago) | |
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| Bank | Type | APY | Actions | Last Checked |
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| Discover Bank | 4 Year CD | 3.75% ↓ (down from 4.00%) |
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Apr 8 (26 days ago) | |
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| Virtual Bank | 4 Year CD | 3.67% ↑ (up from 0.80%) |
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Feb 3 (Today) | |
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| Barclays Bank | 4 Year CD | 3.50% ↓ (down from 4.20%) |
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Jul 19 (14 days ago) | |
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| Ally Bank | 4 Year CD | 3.50% ↑ (up from 3.40%) |
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Jun 30 (2 days ago) | |
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| Abound Credit Union | 4 Year CD | 3.25% ↓ (down from 3.50%) |
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Apr 23 (11 days ago) | |
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| Nat'l Bank of Kansas City | 4 Year CD | 3.25% ↑ (up from 3.04%) |
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Dec 30 (4 days ago) | |
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| Bank | Type | APY | Actions | Last Checked |
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| PenFed Credit Union | 4 Year CD | 3.20% ↓ (down from 3.90%) |
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Feb 9 (23 days ago) | |
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| CD Bank | 4 Year CD | 3.10% ↑ (up from 2.77%) |
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Apr 8 (26 days ago) | |
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| Academy Bank | 4 Year CD | 3.03% ↑ (up from 2.52%) |
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Mar 13 (21 days ago) | |
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| Gulf Coast Bank | 4 Year CD | 3.00% ↓ (down from 4.15%) |
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Dec 19 (15 days ago) | |
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| Patelco | 4 Year CD | 3.00% ↑ (up from 2.40%) |
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Apr 6 (28 days ago) | |
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| American Express | 4 Year CD | 3.00% ↑ (up from 1.20%) |
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Apr 26 (8 days ago) | |
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| TFCU (formerly Melrose Credit Union) | 4 Year CD | 3.00% ↓ (down from 3.25%) |
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Jul 1 (Yesterday) | |
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| Bank | Type | APY | Actions | Last Checked |
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| Able Banking | 4 Year CD | 3.00% ↓ (down from 4.05%) |
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Apr 5 (29 days ago) | |
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| Vio Bank | 4 Year CD | 2.75% ↑ (up from 2.50%) |
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Mar 14 (20 days ago) | |
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| USAA | 4 Year CD | 2.50% ↓ (down from 4.00%) |
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Apr 15 (19 days ago) | |
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| Newtek Bank | 4 Year CD | 2.00% - (steady @ 2.00%) |
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Jan 19 (14 days ago) | |
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| Mountain One Bank | 4 Year CD | 1.85% ↑ (up from 1.50%) |
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Feb 16 (17 days ago) | |
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| First National Community Bank | 4 Year CD | 0.75% ↑ (up from 0.40%) |
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Apr 5 (29 days ago) | |
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| Bank of America | 4 Year CD | 0.03% ↓ (down from 0.65%) |
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Jan 10 (23 days ago) | |
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| Charles Schwab Bank | 4 Year CD | 0.03% ↓ (down from 0.35%) |
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Dec 23 (10 days ago) | |
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Please Note: We are not a bank or credit union and are not affiliated with any. This information is provided 'as is' and solely for informational purposes, not for specific financial advice.
While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.
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