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If you have money savings want to hold for several years without risk or market volatility, you could look to certificates of deposit, or CDs. This is because pledging your funds to a CD can earn you a higher interest rate than a standard savings account while eliminating the risks that investing in the market would entail.
Although not as common as their three- and five-year siblings, four-year CDs are offered by banks and credit unions Across the country. Not only can a four-year certificate provide the ideal time horizon for your financial plans, but it’s also important for anyone building a CD ladder.
Different institutions pay widely varying rates on CDs, so it’s crucial that you do your homework. To facilitate this, we continuously rank the best four-year CD rates based on our daily rate tracking of approximately 200 banks and credit unions that offer CDs nationwide. To qualify for our ranking, the certificate must have a minimum required deposit of $25,000 or less and be offered by a federally insured institution (the Federal Deposit Insurance Corporation for banks and National Administration of Credit Unions for credit unions).
When we find that multiple institutions are paying the same rate, we prioritize our ranking by the shortest term, then the smallest minimum deposit. If there is still a tie after that, we rank by which CD has the lightest early withdrawal penalty.
Best 4 Year CD Rates:
- NASA Federal Credit Union – 3.85% APY
- EFCU Financial – 3.75% APY
- Savings on bread – 3.60% APY
- Federal Credit Union Lafayette – 3.39% APY
- Popular direct – 3.15% APY
- Prime Alliance Bank – 3.10% APY
- Bank TAB – 3.10% APY
- MYSB Direct – 3.05% APY
- First National Bank of America – 3.05% APY
- First Internet Bank – 3.04% APY
- Connexus Credit Union – 3.01% APY
- Marcus of Goldman Sachs – 3.00% APY
- Citizen Access – 3.00% APY
- NexBank – 3.00% APY
- Luana Savings Bank – 2.99% ABS
- Federal Credit Union of the Interior – 2.99% ABS
Detailed information on the highest paying four-year CDs available nationwide is provided below, including details on minimum deposits and early withdrawal penalties. For credit union CDs, information is also provided on how anyone can become a member.
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