Best 4 Year CD Rates in 2023
In 2023, the median 4 Year CD rate RateBrain tracked was 3.90% across 33 products. The highest was 5.20% APY from BMO Alto. That median was up from 3.04% in 2022.
Every 4 Year CD rate we tracked in 2023
| Bank | High | Year end |
|---|---|---|
| BMO Alto | 5.20% | 5.20% |
| Popular Direct | 4.65% | 4.65% |
| Self Help Credit Union | 4.60% | 4.60% |
| Bread Financial | 4.50% | 4.25% |
| Quaint Oak Bank | 4.25% | 4.25% |
| Barclays Bank | 4.50% | 4.20% |
| Capital One | 4.35% | 4.20% |
| Capital One 360 | 4.35% | 4.20% |
| Marcus | 4.20% | 4.20% |
| Able Banking | 4.05% | 4.05% |
| EverBank | 4.06% | 4.05% |
| TAB Bank | 4.05% | 4.05% |
| Ally Bank | 4.00% | 4.00% |
| Apple Federal Credit Union | 4.00% | 4.00% |
| Discover Bank | 4.35% | 4.00% |
| Synchrony Bank | 4.30% | 4.00% |
| PenFed Credit Union | 4.00% | 3.90% |
| Virtual Bank | 3.67% | 3.67% |
| Abound Credit Union | 3.50% | 3.50% |
| Nat'l Bank of Kansas City | 3.25% | 3.25% |
| TFCU | 3.50% | 3.25% |
| CD Bank | 3.10% | 3.10% |
| Academy Bank | 3.03% | 3.03% |
| Gulf Coast Bank | 4.15% | 3.00% |
| Patelco | 3.00% | 3.00% |
| Vio Bank | 2.75% | 2.75% |
| USAA | 4.00% | 2.50% |
| Newtek Bank | 2.00% | 2.00% |
| Mountain One Bank | 1.85% | 1.85% |
| American Express | 1.20% | 1.20% |
| First National Community Bank | 0.75% | 0.75% |
| ConnectOne Bank | 0.50% | 0.50% |
| Bank of America | 0.03% | 0.03% |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above 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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.