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
CIT Bank Bank	Up to 5.00% APY	Review
Discover Bank	Up to 4.75% APY	Review
Quontic Bank	Up to 4.75% APY	Review
CIT Bank 11-Month No Penalty CD	4.15% 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
NASA Federal Credit Union	4.75%	$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	4.50%	$1K	---	48-Month CD
Popular Direct	4.47%	$500	---	48-Month Popular Direct CD
State Bank of India	4.47%	$25K	---	48-Month Senior Citizen CD
Seattle Bank	4.45%	$1K	---	48-Month CD
First Internet Bank	4.44%	$1K	---	48-Month CD
GTE Financial	4.44%	$500	---	48-Month Share Certificate
Bread Financial	4.35%	$1500	---	48-Month Bread Savings CD
Department of Commerce Federal Credit Union	4.32%	$500	---	48-Month CD
Synchrony Bank	4.30%	No min	---	48-Month CD
Michigan State University Federal Credit Union	4.26%	$100K	---	48-Month Jumbo Certificate
KS StateBank	4.22%	$500	---	48-Month CD
Interior Federal Credit Union	4.07%	$100K	---	48 Month Share Certificate
Fidelity Brokered CD	4.00%	$1K	---	48-Month Non-callable CD
The Vanguard Group Brokered CD	4.00%	$1K	---	48-Month Non-callable CD

FEATURED BANK PROMOTIONS
PROMOTIONAL LINK	OFFER	REVIEW
U.S. Bank Smartly^TM Checking	Up to $600 Cash	Review
Chase Private Client	$3,000 Cash	Review
U.S. Bank Business Checking	$500 Cash	Review
Chase Business Complete Banking^SM	$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
Fifth Third Bank Checking	$275 Cash	Review
Axos Bank Rewards Checking	$100 Cash	Review
Axos Basic Business Checking	$200 Cash	Review
Axos Business Interest Checking	$200 Cash	Review
Axos Business Savings	$200 Cash	Review
Axos Self Directed Trading	$250 Cash	Review

Editor Rating

Wright-Patt Credit Union CD Rates: 27-Month Term 3.14% APY CD Rate Special [OH]

La Capitol Federal Credit Union CD Rates: 0.70% APY 6-Month CD [Nationwide]

True Sky Credit Union CD Rates: 1.11% APY 7-12 Month CD [OK]

Best Bank Promotions

Chase Business Complete Banking^SM
$300 Cash

Chase Private Client
$3,000 Cash

Chase Total Checking®
$200 Cash

U.S. Bank Smartly^TM Checking
Up to $600 Cash

U.S. Bank Business Checking
$500 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 27-Month CD
4.85% APY

Sallie Mae Bank 14-Month No Penalty CD
4.40% APY

Western Alliance Bank High Yield Savings
4.50% APY

Live Oak Bank Small Business Checking & Savings
$300 Cash

Fifth Third Bank Checking
$275 Cash

Axos Bank Rewards Checking
$100 Cash

Axos Bank Basic Business Checking
$200 Cash

Axos Bank Business Interest Checking
$200 Cash

Axos Bank Business Savings
$200 Cash

PSECU Checking
$300 Cash

TD Bank Beyond Checking
$300 Cash

TD Bank Convenience Checking
$200 Cash

First National Bank Checking
$400 Cash

Axos Invest Self Directed Trading
$250 Cash

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

CIT Bank Platinum Savings
4.75% APY

CIT Bank Savings Connect
4.50% APY

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 BDG223 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 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.

Credit Card Bonuses