Best 4 Year CD Rates in 2026

Name: Best 4 Year CD Rates in 2026
Creator: RateBrain

In 2026, the median 4 Year CD rate RateBrain tracked was 3.35% across 92 products. The highest was 5.20% APY from Raymond James Bank. That median was down from 3.50% in 2025.

« 2025 All years

Every 4 Year CD rate we tracked in 2026

Bank	High	Year end
Raymond James Bank	5.20%	5.10%
State Bank of India	5.04%	5.04%
Quorum Federal Credit Union	5.00%	5.00%
Popular Direct	4.95%	4.95%
BTG Pactual US	4.85%	4.85%
NASA Federal Credit Union	4.75%	4.75%
Bread Financial	4.65%	4.65%
Synchrony Bank	4.65%	4.65%
Merrick Bank	4.60%	4.55%
Barclays Bank	4.50%	4.50%
First National Bank of America	4.50%	4.50%
KS StateBank	4.50%	4.50%
Langley Federal Credit Union	4.45%	4.45%
Prime Alliance Bank	4.45%	4.45%
Marcus	4.40%	4.40%
Hanscom Federal Credit Union	4.25%	4.25%
Skyla Credit Union	4.20%	4.20%
TAB Bank	4.20%	4.20%
Self Help Credit Union	4.18%	4.18%
RBC Bank	4.10%	4.10%
Genisys Credit Union	4.08%	4.08%
All In Credit Union	4.07%	4.07%
Andrews Federal Credit Union	4.00%	4.00%
First Internet Bank	4.00%	4.00%
Signature Federal Credit Union	3.98%	3.98%
USALLIANCE Financial	3.95%	3.95%
Latino Community Credit Union	3.90%	3.90%
Apple Federal Credit Union	4.00%	3.75%
EagleBank	3.75%	3.75%
Southeast Financial CU	3.75%	3.75%
Alliant Credit Union	3.65%	3.65%
Northpointe Bank	3.65%	3.65%
Space Coast Credit Union	3.65%	3.65%
Vibrant Credit Union	3.65%	3.65%
Lafayette Federal Credit Union	3.61%	3.61%
American State Bank	3.59%	3.59%
Academy Bank	3.51%	3.51%
Capital One	3.95%	3.50%
Capital One 360	3.95%	3.50%
Connexus Credit Union	3.50%	3.50%
Quaint Oak Bank	4.00%	3.45%
Virtual Bank	3.67%	3.41%
EverBank	4.00%	3.40%
PenFed Credit Union	3.40%	3.40%
InTouch Credit Union	3.35%	3.35%
Provident Credit Union	3.35%	3.35%
ValorFI Heroes	3.35%	3.35%
Ridgewood Savings Bank	3.30%	3.30%
Abound Credit Union	3.25%	3.25%
Ally Bank	3.50%	3.25%
BMO Alto	4.50%	3.25%
Digital Federal Credit Union	3.25%	3.25%
First Tech Federal Credit Union	3.25%	3.25%
Patelco	3.25%	3.25%
Truliant Federal Credit Union	3.25%	3.25%
Carver Federal Savings Bank	3.17%	3.17%
First Bank of the Lake	3.15%	3.15%
Justice Federal Credit Union	3.11%	3.11%
Bank of Utah	3.03%	3.03%
Able Banking	3.00%	3.00%
Sharonview Federal Credit Union	3.00%	3.00%
TFCU	3.00%	3.00%
WECU	3.00%	3.00%
Global Credit Union	2.90%	2.90%
First Mid Bank & Trust	2.75%	2.75%
Nat'l Bank of Kansas City	3.25%	2.75%
Vio Bank	2.75%	2.75%
Elements Financial	2.65%	2.65%
Atlantic Union Bank	2.50%	2.50%
First Command Bank	2.50%	2.50%
HAB Bank	2.50%	2.50%
Mountain One Bank	2.50%	2.50%
Ponce Bank	2.50%	2.50%
United Republic Bank	2.50%	2.50%
Service Credit Union	2.45%	2.45%
American Express	3.00%	2.25%
City First Bank	2.25%	2.25%
Salem Five	2.25%	2.25%
Androscoggin Bank	2.00%	2.00%
Chase Bank	2.00%	2.00%
Citibank	2.00%	2.00%
Live Oak Bank	2.00%	2.00%
Newtek Bank	2.00%	2.00%
Harborstone Credit Union	1.79%	1.79%
UNCLE Credit Union	1.76%	1.76%
FourLeaf Federal Credit Union	1.25%	1.25%
USAA	2.50%	1.25%
OMB Bank	0.70%	0.70%
CIT Bank	0.50%	0.50%
MidFirst Direct	0.40%	0.40%
US Bank	0.15%	0.15%
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.