Display date Free to useNo Social Security number neededInstitution details shared after you inquireAdvertising disclosure

4-Year CDs

Best 4-Year CD Rates

Four-year CDs are offered by fewer institutions than 3- or 5-year terms, but they can be a good fit when your goal sits between the two — or when a bank prices this term competitively. The top widely available listing in our table pays 4.95% APY, compared with a national average of 1.94%.

Display date · By the CompareCDRate editorial team · About our dates · How we verify rates

2 CD listings shown.

CD listings with APY, term, minimum deposit, early withdrawal terms and source date
ListingAPYTermMin. depositEarly withdrawalDisplay date ?Actions
Online bankListing #DK5HP · details on inquiryBank · FDIC 4.95% 4 years $10,000 Confirm with institution
Rate comparison publisher		 Inquire about this CD for listing DK5HP, 4.95% 4 years
Online bankListing #V8YNB · details on inquiryBank · FDIC 4.85% 4 years $500 Confirm with institution
National rate survey		 Inquire about this CD for listing V8YNB, 4.85% 4 years

APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures

Compare selected CDs

Interest estimates assume the APY holds for the full term and interest stays in the CD. Brokered CDs usually pay simple interest, so actual earnings may differ slightly.

Is a 4-year CD right for you?

Good fit if…

  • Your goal is about four years away
  • You want a long rate lock without going to five years
  • You’re filling the fourth rung of a 5-year ladder

Watch out for…

  • Limited choice compared with other terms
  • Long-term penalties can be substantial
  • Check whether higher rates require large minimums

What $10,000 could earn

Put $10,000 in the top widely available listing at 4.95% APY for 4 years and you’d earn about $2,131.93. At the 1.94% national average, the same deposit would earn about $798.88 — a difference of $1,333.05. These estimates assume the APY applies for the full term and interest stays in the CD. Try your own numbers in the CD calculator.

How to choose a 4-year CD

  1. Confirm the maturity date lines up with when you’ll need the money.
  2. Check the minimum deposit and any membership requirement.
  3. Read the early withdrawal penalty so you know the cost if plans change.
  4. Keep within insurance limits — $250,000 per depositor, per institution, per ownership category.
  5. Verify the live rate on the institution’s site before you apply.

4-Year CD FAQs

Why do fewer banks offer 4-year CDs?
Banks concentrate on the most popular terms. That doesn’t mean 4-year CDs are a worse deal; it just means there are fewer to compare.
How much does a 4-year CD earn?
At 4.85% APY, $10,000 earns about $2,086 over four years with interest left in the CD.
Is a 4-year CD better than a 5-year CD?
Only if it fits your timeline or pays a comparable rate. Compare both tables before deciding.

Want help choosing a 4-year CD?

Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.

Compare CD options Free to use. Availability and eligibility vary by institution.