Compare Best 4-year CD Rates

Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like certificate of deposits (CDs), savings and money market accounts.

GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best 4-year CD rates and display them in the table below for free. Click on our featured bank rates for more information.







Institution Term Rate APY Min. To Earn APY Details


  • 3 Yr.
    4 Yr.
    5 Yr.
  • 2.57%
    2.71%
    3.30%
  • 2.60%
    2.75%
    3.35%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.


TermRateAPYMin. To Earn APYDetails
4 year2.96%3.00%$500
4 year2.91%2.95%$2,500
4 year2.90%$100,000
4 year2.86%2.90%$1,000Branch and Call Center CD Rates
4 year2.86%2.90%$1,000
4 year2.85%2.89%$10,000eCD rates for online account only
4 year2.81%2.85%$5,000Non-jumbo CD
4 year2.81%2.85%$100,000Jumbo CD
4 year2.81%2.85%$500Rate effective 11/23/2009
4 year2.85%$500
4 year2.76%2.80%$10,000
4 year2.75%2.79%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
4 year2.75%2.78%$10,000from CentennialBank.com
4 year2.71%2.75%$2,500
4 year2.71%2.75%$500
4 year2.71%2.75%$1High-Yield CD
4 year2.75%$500
4 year2.66%2.70%$5,000Online CD
4 year2.66%2.70%$1,000
4 year2.70%2.70%$1,000Local funds only, contact retail offices in Ohio
4 year2.64%2.67%$5,000Located in Arizona
4 year2.50%2.52%$1,000
4 year2.47%2.50%$2,500
4 year2.25%$25,000
4 year2.23%2.25%$1,500Yield Pledge CD
4 year2.18%2.20%$1,000
4 year2.13%2.15%$1,000Term 48 to 59 months
4 year2.00%$10Online CD
4 year1.99%2.00%$1,000
4 year2.00%$15,000
4 year1.80%1.81%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
4 year1.75%1.79%$1,000Regular CD - South Shore Massachusetts market area
4 year1.74%1.75%$100,000
4 year1.75%$1
4 year1.59%1.60%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500.
4 year1.50%$500Online Banking
4 year1.39%1.40%$1,000
4 year1.25%1.26%$1,000Must be opened online to get this rate.
4 year1.00%1.00%$1,000Fixed-Rate CD