Best 4 Year CD Rates in 2026
In 2026, the median 4 Year CD rate RateBrain tracked was 3.33% across 18 products. The highest was 4.58% APY from State Bank of India. That median was down from 3.50% in 2025.
Every 4 Year CD rate we tracked in 2026
| Bank | High | Year end |
|---|---|---|
| State Bank of India | 4.58% | 4.58% |
| Bread Financial | 4.45% | 4.45% |
| Marcus | 4.35% | 4.35% |
| Synchrony Bank | 4.10% | 4.10% |
| EagleBank | 3.75% | 3.75% |
| Capital One | 3.95% | 3.50% |
| Capital One 360 | 3.95% | 3.50% |
| Quaint Oak Bank | 4.00% | 3.45% |
| EverBank | 4.00% | 3.40% |
| Abound Credit Union | 3.25% | 3.25% |
| Ally Bank | 3.50% | 3.25% |
| Academy Bank | 3.03% | 3.03% |
| Able Banking | 3.00% | 3.00% |
| TFCU | 3.00% | 3.00% |
| BMO Alto | 4.50% | 2.90% |
| Mountain One Bank | 2.50% | 2.50% |
| American Express | 3.00% | 2.25% |
| Newtek Bank | 2.00% | 2.00% |
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.