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.
  • 2.12%
    2.31%
    2.70%
  • 2.14%
    2.34%
    2.74%
  • $0
    $0
    $0
    • Get our best rate with the Ally Ten Day Best Rate Guarantee.


TermRateAPYMin. To Earn APYDetails
4 year3.26%3.30%$500Membership is open to employeess and students of school districts in the Michigan counties of Wayne and Monroe, as well as select businesses, family members and retirees. See site for details.
4 year2.70%2.73%$1,000
4 year2.60%$500Membership is available, but not limited to select employer groups or those who live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria.
4 year2.58%2.60%$1,000
4 year2.53%2.55%$500Rates effective 08/30/2010
4 year2.50%2.52%$5,000Share Certificate - contact Melrose CU for opening paperwork
4 year2.50%2.52%$1,000
4 year2.50%2.52%$500Account must be opened in person in Effingham, IL
4 year2.50%2.52%$1,000Limited to New York market area
4 year2.48%2.50%$1,000
4 year2.50%2.50%$500
4 year2.47%2.50%$1,000
4 year2.47%2.50%$1,000
4 year2.48%2.50%$1,000Renewable CD
4 year2.50%$1,000Money Market CD-membership is open to U.S. military
4 year2.43%2.45%$1,000Relationship CD - Limited to Georgia cutomers only
4 year2.43%2.45%$5,000Located in Arizona
4 year2.38%2.41%$1,000Term 48 to 59 months
4 year2.37%2.40%$1,000
4 year2.34%2.40%$1,000Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
4 year2.37%2.40%$500Fixed Rate
4 year2.40%$100,000
4 year2.35%2.36%$1,000
4 year2.33%2.35%$500Central New York market area only
4 year2.35%$500
4 year2.31%2.34%$1High-Yield CD
4 year2.30%2.32%$2,500
4 year2.30%2.32%$2,500Limited to local Nebraska market area
4 year2.30%2.32%$1,000
4 year2.28%2.31%$1,000Rates effective on balances up to $4,999
4 year2.27%2.30%$2,500
4 year2.25%2.28%$10,000eCD rates for online account only
4 year2.25%2.27%$2,500Rate for balances up to $99,999
4 year2.25%2.27%$500
4 year2.25%2.26%$500
4 year2.24%2.25%$500
4 year2.24%2.25%$1,000
4 year2.20%2.20%$1,000Local funds only, contact retail offices in Ohio
4 year2.15%2.17%$500Rate effective for balances up to $10,000 - tiered rates apply
4 year2.15%2.17%$500Membership is limited to employees of the Air Transportation Industry, as well as those who live or work in select counties of the Minneapolis/St. Paul, MN, metro area
4 year2.13%2.15%$500
4 year2.10%2.10%$1,000Collected within Oklahoma
4 year2.03%2.05%$1,000Online CD
4 year2.03%2.05%$10,000
4 year2.03%2.05%$1,000Branch and Call Center CD Rates/Southern CA residents only
4 year2.00%2.02%$1,000
4 year2.00%2.02%$2,500Rate may only be available online
4 year2.00%2.02%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account. Located in CA.
4 year2.00%2.02%$1,00048 Month CD
4 year1.99%2.01%$1,000
4 year1.98%2.00%$1,000GNB Rate Special
4 year2.00%2.00%$1,000
4 year1.99%2.00%$50048-59 month CD
4 year1.99%2.00%$50048 month CD
4 year1.98%2.00%$1,000
4 year1.90%1.91%$500
4 year1.90%$25,000APY for balances up to $49,999
4 year1.90%$500
4 year1.80%1.81%$2,50048-59 month term. $24,999 maximum deposit.
4 year1.80%1.81%$10,000from CentennialBank.com
4 year1.80%$1,000Bank by Mail CD
4 year1.74%1.75%$5,000CD Special, must open in person at branch.
4 year1.75%$15,000APY for balances up to $24,999
4 year1.59%1.60%$1,500Yield Pledge CD
4 year1.49%1.50%$500
4 year1.45%$500Online Banking
4 year1.30%1.31%$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 year1.30%$1,000With Premier Checking - special bonus rate is for First Tennessee checking customers - open in branch - minimum opening deposit varies by market and term
4 year1.29%$1,000
4 year1.25%1.28%$1,000Regular CD - South Shore Massachusetts market area
4 year1.24%1.25%$100,000Jumbo CD - Rate collected within: 10025 (NY)
4 year1.24%1.25%$100,000Jumbo CD - Rate collected within: 60625 (IL)
4 year1.24%1.25%$5,000Non-Jumbo CD - Rate collected within: 60625 (IL)
4 year1.24%1.25%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
4 year1.24%1.25%$100,000Jumbo CD - Rate collected within: 94115 (CA)
4 year1.24%1.25%$5,000Non-Jumbo CD - Rate collected within: 10025 (NY)
4 year1.10%$1,0004 to 10 Years Less 1 Day - Stated rate is for accounts opened at an HSBC branch or by phone
4 year1.10%1.10%$50,000
4 year1.10%$10Online only