Below is our guide to help you, our readers, find the best or top 4-Year CD rates. In summary, certificate of deposits, otherwise known as CDs, will offer you the best secure return on your money when you invest it with your bank or credit union of choice. The best route to take if you want to foresee the best return is with online banks.

FEATURED CD RATES
Quontic Bank	Up to 5.30% APY	Review
CIT Bank Bank	Up to 5.00% APY	Review
Discover Bank	Up to 5.00% APY	Review
CIT Bank 11-Month No Penalty CD	4.90% APY	Review

Editor’s Note: For a full, extensive list of all available CD rates, see our posts on the Best CD Rates, Deals, & Promotions.

Interested in certain terms only? See below for our list of the best CD rates in the following terms:

Disclaimer: These rates change often, so BankDealGuy cannot guarantee complete accuracy regarding current rates. We’ll keep the rates as up-to-date as possible.

Top 4-Year CD Rates – Nationwide

Bank	APY	Min	Max	Account Name
University Federal Credit Union	5.00%	$1K	---	48-Month Fixed CD
NASA Federal Credit Union	4.85%	$10K	---	49-Month Share Certificate Special
Lafayette Federal Credit Union	4.73%	$100K	---	48-Month Jumbo CD
GTE Financial	4.70%	$100K	---	48-Month Share Certificate48-Month Jumbo Share Certificate
Lafayette Federal Credit Union	4.58%	$500	---	48-Month Fixed CD
Crescent Bank	4.55%	$1K	---	48-Month CD
All In Credit Union	4.54%	$100K	---	48 Month Jumbo CD
First Internet Bank	4.54%	$1K	---	48-Month CD
Seattle Bank	4.50%	$1K	---	48-Month CD
State Bank of India	4.47%	$25K	---	48-Month Senior Citizen CD

FEATURED BANK PROMOTIONS
PROMOTIONAL LINK	OFFER	REVIEW
U.S. Bank Smartly^® Checking	$1000 Cash	Review
Chase Private Client	$3,000 Cash	Review
U.S. Bank Business Checking	$800 Cash	Review
U.S. Bank Business Checking	$350 Cash	Review
Chase Business Complete Checking®	$300 Cash	Review
Discover® Online Savings Account	Up to $200 Cash	Review
Citi Priority Account	Up to $2,000 Cash Bonus with required activities.	Review
Citigold® Checking Account	Up To $2,000 Cash Bonus with required activities.	Review
Chase Total Checking^®	$200 Cash	Review
Chase College Checking^SM	$100 Cash	Review
J.P. Morgan Self-Directed Investing	Up to $700 Cash	Review
Chase Secure Banking^SM	$100 Cash	Review
SoFi Checking and Savings Account	$275 Cash	Review
PSECU Checking	$300 Cash	Review
Huntington Bank Unlimited Plus Business Checking	$1,000 Cash	Review
Huntington Bank Unlimited Business Checking	$400 Cash	Review
Huntington Bank Business Checking 100	$100 Cash	Review
TD Bank Beyond Checking^SM	$300 Cash	Review
TD Bank Convenience Checking^SM	$200 Cash	Review
First National Bank Checking>	$400 Cash	Review
Axos Bank Rewards Checking	$300 Cash	Review
Axos Basic Business Checking	$400 Cash	Review
Axos Business Interest Checking	$400 Cash	Review
Business Premium Savings	$375 Cash	Review

Editor Rating

NASA Federal Credit Union CD Rates: Earn Up to 1.70% APY [Nationwide]

Metro Credit Union CD Rates: 12-Month Term 2.35%, 18-Month 2.50% APY, 24-Month 2.85% APY CD Rates Sp...

Bogota Savings Bank CD Rates: 8-Month Term 2.20% APY CD Rate [NJ] *In Branch*

Best Bank Promotions

Chase Business Complete Checking®
$300 Cash

J.P. Morgan Self-Directed Investing
Up To $700 Cash

Chase Private Client
$3,000 Cash

Chase Total Checking®
$200 Cash

U.S. Bank Smartly^® Checking
$1000 Cash

U.S. Bank Business Checking
$800 Cash

U.S. Bank Business Checking
$350 Cash

Citi Priority Account
Up to $2,000 Cash Bonus
with required activities.

Citigold® Checking Account
Up To $2000 Cash Bonus
with required activities.

SoFi Checking and Savings Account
$275 Cash

Chase College Checking^SM
$100 Cash

Chase Secure Banking^SM
$100 Cash

Huntington Unlimited Plus Business Checking
$1,000 Cash

Huntington Unlimited Business Checking
$400 Cash

Huntington Business Checking 100
$100 Cash

Sallie Mae Bank 14-Month No Penalty CD
4.75% APY

Axos Bank Rewards Checking
$300 Cash

Axos Bank Basic Business Checking
$400 Cash

Axos Bank Business Interest Checking
$400 Cash

Business Premium Savings
$375 Cash

PSECU Checking
$300 Cash

TD Bank Beyond Checking
$300 Cash

TD Bank Convenience Checking
$200 Cash

CIT Bank Platinum Savings
5.05% APY

CIT Bank Savings Connect
4.65% APY

Discover Bank Checking
$360 Cashback

Discover® Online Savings Account
$200 Cash
See advertiser website for full details

Discover® Online Savings Account
$150 Cash
See advertiser website for full details

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code BDG923 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.