Best 4 Year CD rates of October 2026 (Up to 5.10%)

As of October 23, 2026, the highest 4 Year CD rate RateBrain tracks is 5.10% APY from Raymond James Bank, checked 3 days ago.

The median across the 90 4 Year CD rates RateBrain tracks is 3.27% APY.

At 5.10% APY, $10,000 earns about $2,201 over the 4 year term, held to maturity.

The APY for a $10,000 deposit, as published by the bank or credit union on its own website.

RateBrain reads each bank's and credit union's own rate pages on a rolling schedule and records every rate it finds. A rate not confirmed in 30 days is left off this list until it is checked again.