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Best 4-year CD rates for September 2025

Written by
Matthew Goldberg
Edited by
Marc Wojno, MBA
Reviewed by
Robert R. Johnson
Verified Badge IconExpert verified

Rates updated between Sept. 8 and Sept. 14

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The top four-year CDs have something in common: they offer savers a higher yield than most savings accounts and money market accounts. Combine that with a guaranteed rate of return and safety (when you choose a federally insured account), and these investments are worth considering. Evaluate the offers below, then calculate how much interest you would earn when your CD matures.

Current 4-year CD trends

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Bankrate Partner average
3.45% APY
National average
1.83% APY
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CD rates remain high, but are projected to move lower.
The Fed is predicted to continue cutting rates in 2025. Read more from Bankrate's experts in our CD rates forecast.
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Table of contents

Bankrate's picks for best 4-year CD rates

Note: Annual percentage yields (APYs) shown were updated between Sept. 8 and Sept. 14. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.

Quorum Federal Credit Union_logo

Quorum Federal Credit Union

Rating: 3.5 stars out of 5
3.5 Bankrate CD score

  • Annual percentage yield

    4.00%

  • Min. deposit to open

    $1,000

  • Term

    4 years

Why Quorum Federal Credit Union?

Around half of Quorum’s 10 CDs earn highly competitive rates, including the four-year term. They all require a comparatively low $100 minimum opening deposit. Anyone can join Quorum Federal Credit Union, whether you’re employed by a partner company or you opt for a free membership in the American Consumer Council organization. The credit union also offers several checking accounts and a savings account that earns a rate that’s well above the national average.

First Internet Bank of Indiana_logo

First Internet Bank of Indiana

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    3.97%

  • Min. deposit to open

    $1,000

  • Term

    4 years

Why First Internet Bank of Indiana?

First Internet Bank of Indiana operates entirely online and offers eight terms of CDs, from three months to five years. All have strong yields and can be opened with a minimum deposit of $1,000. Note that the early withdrawal penalty for the four-year CD is steep when compared with some other banks. In addition to CDs, the bank also offers a money market account with tiered rates well above the national average.

Popular Direct_logo

Popular Direct

Rating: 3.5 stars out of 5
3.5 Bankrate CD score

  • Annual percentage yield

    3.90%

  • Min. deposit to open

    $10,000

  • Term

    4 years

Why Popular Direct?

Popular Direct offers CDs in eight terms ranging from three months to five years, all of which earn top-notch yields. Each requires at least $10,000 to open, making them geared toward serious savers. In addition to its CDs, Popular Direct offers a high-yield savings account.

Marcus by Goldman Sachs_logo

Marcus by Goldman Sachs

Rating: 4.9 stars out of 5
4.9 Bankrate CD score

  • Annual percentage yield

    3.85%

  • Min. deposit to open

    $500

  • Term

    4 years

Why Marcus by Goldman Sachs?

Marcus by Goldman Sachs is an online-only bank that offers competitive rates on its nine terms of standard, fixed-rate CDs. These range from six months to six years, and the bank also offers three no-penalty CDs with competitive yields and a rate-bump CD. All CDs require a $500 minimum deposit. Also offered is a high-yield savings account with no set minimum deposit requirement and a decent rate.

Bread Savings_logo

Bread Savings

Rating: 3.8 stars out of 5
3.8 Bankrate CD score

  • Annual percentage yield

    3.85%

  • Min. deposit to open

    $1,500

  • Term

    4 years

Why Bread Savings?

Bread Savings, formerly Comenity Direct, is an online-only bank that offers high-yield savings products and nine terms of CDs ranging from three months to five years. All earn competitive rates and require a minimum deposit of $1,500. The bank also offers IRA CDs and a high-yield savings account with one of the best rates around.

The Federal Savings Bank_logo

The Federal Savings Bank

Rating: 3.7 stars out of 5
3.7 Bankrate CD score

  • Annual percentage yield

    3.80%

  • Min. deposit to open

    $5,000

  • Term

    4 years

Why The Federal Savings Bank?

The Federal Savings Bank maintains just two branches, both in the Chicago area, but its CDs can be opened online. It offers six high-yield CDs with terms between one year and five years, all of which earn solid rates. You’ll need a minimum deposit of $5,000 to open a CD, and you can only take advantage of these CD rates if you deposit money that’s new to The Federal Savings Bank or if it’s money from a CD renewal.

M.Y. Safra Bank_logo

M.Y. Safra Bank

Rating: 4.4 stars out of 5
4.4 Bankrate CD score

  • Annual percentage yield

    3.75%

  • Min. deposit to open

    $500

  • Term

    4 years

Why M.Y. Safra Bank?

The online banking division of M.Y. Safra Bank, called MYSB Direct, offers customers access to nine standard, fixed-rate CDs and a high-yielding no-penalty CD. All of the CDs earn competitive rates, including the four-year option, and most require a minimum opening deposit of $500. Customers can also open an interest-bearing checking account and a high-yield money market account online.

TAB Bank_logo

TAB Bank

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    3.75%

  • Min. deposit to open

    $1,000

  • Term

    4 years

Why TAB Bank?

TAB (Transportation Alliance Bank) offers CDs in six terms, from 12 months to five years, many of which earn top-notch yields. The bank also offers a rewards checking account and a high-yield savings account, both of which have some of the highest APYs around.

Alliant_logo

Alliant

Rating: 4.2 stars out of 5
4.2 Bankrate CD score

  • Annual percentage yield

    3.65%

  • Min. deposit to open

    $1,000

  • Term

    4 years

Why Alliant?

Alliant Credit Union is one of the largest credit unions in the nation. It offers eight terms of CDs with competitive APYs and a $1,000 minimum deposit requirement. Anyone is eligible to join Alliant Credit Union. To be a member, you have to have a savings account at the credit union in addition to any other accounts you may want. The credit union also offers IRA CDs and an interest-bearing checking account.

First National Bank of America_logo

First National Bank of America

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    3.65%

  • Min. deposit to open

    $1,000

  • Term

    4 years

Why First National Bank of America?

First National Bank of America maintains three branches, all in Michigan, yet anyone can open its CDs and savings account online. Its four-year CD earns a competitive yield, as do its 13 other CD terms, which range from three months to 10 years. The savings account also earns a rate that's well above the national average, though you can find higher rates on savings elsewhere. The bank’s CDs all require a minimum deposit of $1,000.

Learn more: Bankrate’s best checking accounts

What is a 4-year CD?

A four-year CD is a certificate of deposit that guarantees the same APY on your money for the duration of the 48-month term. In exchange for this guarantee, you agree to leave your funds untouched for four years. If you want to take your money out early, you’ll likely be charged an early withdrawal penalty.

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When choosing a bank for your CD, confirm you will have FDIC-insurance. You should also compare APYs, the early withdrawal penalty and the bank’s reviews. Consider your financial goals and when you need the funds when determining the right term.

How to find the best 4-year CD rates

Finding the best four-year CD rates requires some research. Start by comparing deals offered by online financial institutions. The best four-year CDs pay more than two times the national average of 1.83 percent APY, according to Bankrate’s most recent national survey of banks and thrifts on Monday, September 15, 2025.

Look for a CD that has a minimum deposit requirement that you’re comfortable with. Some don’t require any set amount, while others may require $10,000 or more.

"For some years now, these have felt like uncertain times. One way to resist or even resolve that feeling to some degree: A four-year CD offers both the sense of confidence and the reality of a predictable return. But it isn’t a perfect solution for everyone, such as those who aren’t ready for such an extended commitment associated with locking up their money for 48 months. Consider the plusses and minuses before deciding the best CD product for you.”

Mark Hamrick, Washington Bureau Chief, Senior Economic Analyst at Bankrate

APYs on CDs and other deposit accounts remain high even as the Federal Reserve has cut rates and is signaling more rate cuts will come, Hamrick points out. “There’s a lot to like about locking in that superior yield to get a predictable return on one’s money.” He advises, however, to be aware of early withdrawal penalties and to opt for a federally insured account.

Pros and cons of 4-year CDs

Pros

  • Checkmark Icon

    You’ll earn a fixed APY.

  • Checkmark Icon

    If your account is insured by the Federal Deposit Insurance Corp. (FDIC) or the National Credit Union Share Insurance Fund (NCUSIF) — and you’re within the insurance guidelines — your money will be backed by the full faith and credit of the U.S. government. This means each depositor is insured up to $250,000 per insured institution, per account category.

  • Checkmark Icon

    If APYs end up decreasing, you’d be locked in at a higher rate for the next few years.

Cons

  • If rates start increasing, the funds in a four-year CD may return less interest than you might otherwise be able to earn.

  • If you need to make an early withdrawal, you’re likely subject to a penalty.

  • A four-year CD might not keep up with inflation over time, causing your money to lose purchasing power.

4-year CD FAQs

Research methodology

Bankrate researches over 100 banks and credit unions, including some of the largest financial institutions, online-only banks, regional banks and credit unions with both open and restrictive membership policies.

To find the best four-year CD rates, we regularly survey four-year CD offerings from the banks and credit unions that continually offer the most competitive rates.

The banks and credit unions on this page are selected based on their current APY for a four-year CD and minimum deposit requirements. Only banks and credit unions with broadly available CDs made the list. Learn more about how we choose the best banking products and our methodology for reviewing banks.

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