Best 4 Year CD Rates in 2025
In 2025, the median 4 Year CD rate RateBrain tracked was 3.50% across 28 products. The highest was 4.50% APY from BMO Alto. The median was unchanged from 2024.
Every 4 Year CD rate we tracked in 2025
| Bank | High | Year end |
|---|---|---|
| BMO Alto | 4.50% | 4.50% |
| Popular Direct | 4.35% | 4.35% |
| Self Help Credit Union | 4.08% | 4.08% |
| Marcus | 4.05% | 4.05% |
| TAB Bank | 4.05% | 4.05% |
| Apple Federal Credit Union | 4.00% | 4.00% |
| Bread Financial | 4.25% | 4.00% |
| EverBank | 4.00% | 4.00% |
| Quaint Oak Bank | 4.00% | 4.00% |
| Synchrony Bank | 4.00% | 4.00% |
| Capital One | 3.95% | 3.95% |
| Capital One 360 | 3.95% | 3.95% |
| Virtual Bank | 3.67% | 3.67% |
| Ally Bank | 3.50% | 3.50% |
| Barclays Bank | 3.50% | 3.50% |
| Abound Credit Union | 3.25% | 3.25% |
| Nat'l Bank of Kansas City | 3.25% | 3.25% |
| PenFed Credit Union | 3.90% | 3.20% |
| Academy Bank | 3.03% | 3.03% |
| Able Banking | 3.00% | 3.00% |
| American Express | 3.00% | 3.00% |
| Patelco | 3.00% | 3.00% |
| TFCU | 3.00% | 3.00% |
| Vio Bank | 2.75% | 2.75% |
| USAA | 2.50% | 2.50% |
| Newtek Bank | 2.00% | 2.00% |
| Mountain One Bank | 1.85% | 1.85% |
| 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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.