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Best 4-year CD rates for May 2026

Written by
Matthew Goldberg
Edited by
Yuliya Goldshteyn
Reviewed by
Robert R. Johnson
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Rates updated between May 10 and May 16

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The top four-year CDs have something in common: they offer savers a higher yield than most regular savings 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.

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See how we pick our picks: Read our best 4-year CD rates research methodology

Table of contents

Bankrate's picks for best 4-year CD rates

BTG Pactual Bank_logo

BTG Pactual Bank

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    4.13%

  • Min. deposit to open

    $500

  • Term

    4 years

Why BTG Pactual Bank?

BTG Pactual (which acquired M.Y. Safra Bank) offers online CDs with competitive rates across all its many terms from three months to five years. The bank also has a high-yielding 13-month no-penalty CD. The standard CDs require a minimum opening deposit of $500, which is fairly low.

Bread Savings_logo

Bread Savings

Rating: 4.1 stars out of 5
4.1 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 the terms, not just the four-year, earn competitive rates and require a minimum deposit of $1,500. The bank also offers IRA CDs.

First National Bank of America_logo

First National Bank of America

Rating: 4.3 stars out of 5
4.3 Bankrate CD score

  • Annual percentage yield

    3.80%

  • 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 impressive 13 other CD terms, which range from three months to 10 years. The bank’s CDs all require a minimum deposit of $1,000.

TAB Bank_logo

TAB Bank

Rating: 4.4 stars out of 5
4.4 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 the most common six terms, from 12 months to five years, many of which earn top-notch yields. The 1,000 minimum deposit is pretty standard, too. You can choose to get your interest paid out via check or transfer, or leave it in your CD to compound.

Marcus by Goldman Sachs_logo

Marcus by Goldman Sachs

Rating: 4.8 stars out of 5
4.8 Bankrate CD score

  • Annual percentage yield

    3.70%

  • 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 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.

Alliant Credit Union_logo

Alliant Credit Union

Rating: 4.5 stars out of 5
4.5 Bankrate CD score

  • Annual percentage yield

    3.65%

  • Min. deposit to open

    $1,000

  • Term

    4 years

Why Alliant Credit Union?

Alliant Credit Union offers eight terms of CDs with competitive APYs and a $1,000 minimum deposit requirement. You can earn a higher APY with a $75,000 minimum deposit, too, with the credit union’s jumbo offerings. Anyone is eligible to join Alliant Credit Union. To be a member, you have to have a savings account at the credit union first, and then you can open other accounts. The credit union also offers competitive IRA CDs.

Synchrony Bank_logo

Synchrony Bank

Rating: 4.8 stars out of 5
4.8 Bankrate CD score

  • Annual percentage yield

    3.50%

  • Min. deposit to open

    $0

  • Term

    4 years

Why Synchrony Bank?

Synchrony Bank, an online bank, is known for its deposit accounts that often earn high rates. Synchrony offers nine CD terms that range from three to 60 months, none of which require a minimum deposit.

Capital One_logo

Capital One

Rating: 4.6 stars out of 5
4.6 Bankrate CD score

  • Annual percentage yield

    3.50%

  • Min. deposit to open

    $0

  • Term

    4 years

Why Capital One?

Capital One, an online bank that also has a brick-and-mortar presence, offers strong CDs for terms as short as six months or as long as five years. There’s no set minimum deposit required so you can invest as much or as little as you want into your Capital One CDs.

The Federal Savings Bank_logo

The Federal Savings Bank

Rating: 4.4 stars out of 5
4.4 Bankrate CD score

  • Annual percentage yield

    3.50%

  • 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, though, which is on the high side. And you can only take advantage of these CD rates if you deposit money that’s new to The Federal Savings Bank.

First Internet Bank of Indiana_logo

First Internet Bank of Indiana

Rating: 4 stars out of 5
4.0 Bankrate CD score

  • Annual percentage yield

    3.45%

  • 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 solid yields and can be opened with a minimum deposit of $1,000, which is fairly standard for an online bank. Note that the early withdrawal penalty for the four-year CD is steep when compared with some other banks.

News about 4-year CD rates

Annual percentage yields (APYs) on CDs and other deposit accounts remain high as the Federal Reserve has refrained from cutting rates so far in 2026. 

That’s because competitive CD rates tend to follow what the Federal Reserve does with the federal funds rate. With that said, if the Fed starts cutting rates, you can expect CD rates to also slide down. 

For now, according to CME FedWatch, experts predict that the Fed will continue to keep the fed funds rate steady for the rest of the year.

How to find the best 4-year CD rates

To find the best 4-year CD rates, start by comparing rates offered by online financial institutions and don’t settle for an average yield. The best four-year CDs pay about two times more than the national average of 1.79 percent APY, according to Bankrate’s most recent national survey of banks and thrifts on Sunday, May 17, 2026.

That said, 4-year CDs aren’t all that common. You’ll likely find more 3-year and 5-year CD options so take a look at those.

And don’t forget to calculate your potential earnings with our CD calculator before committing. If you can leave your money in for longer, you’ll end up earning more interest even with a slightly lower rate.

See more: Bankrate's picks for the best 3-year CDs and best 5-year CDs

Who is a 4-year CD good for?

A four-year CD can be a solid option for consumers who value safety and don’t want surprises, unlike money invested in stocks, which is subject to market volatility and possible loss of principal. Your CD will typically offer a fixed rate of return and is protected within limits if it’s with a bank insured by the Federal Deposit Insurance Corp. (FDIC) or a credit union with the National Credit Union Administration (NCUA), which are both backed by the full faith and credit of the U.S. government.

 

 

Instead of trying to find the one ‘magic’ account or solution that beats inflation, the better strategy in our current volatile situation is diversification through liquidity. Don't over-lock: In this K-shaped environment, locking a large portion of funds into a long-term CD is a bet that inflation will go down. I’d advise anyone worried about that to keep a significant portion in a high-yield savings account or a money market account.
Bankrate logo Mark Hamrick, Senior Economic Analyst at Bankrate

Pros and cons of 4-year CDs

Pros

  • Checkmark Icon

    You’ll earn a fixed APY.

  • Checkmark Icon

    Your account is federally insured.

  • 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, you won’t be able to take advantage without incurring an early withdrawal penalty.

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

Thinking long-term? Here’s what else should be on your radar

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Meet the Bankrate Experts

Matthew Goldberg
Written by
Matthew Goldberg Matthew Goldberg Arrow Right Icon
Former Senior Consumer Banking Reporter
Read more from Matthew
Matthew Goldberg is an award-winning writer who has been in financial services for more than 14 years. He uses his banking experience to help inform readers as they make important personal finance decisions.
CD Icon
Credentials
  • Property (Colorado)
  • Life (Colorado)
Ribbon Icon
Expertise
  • Consumer banking
  • Savings accounts and CDs
Yuliya Goldshteyn
Edited by
Yuliya Goldshteyn
Editor, Deposits
Robert R. Johnson
Reviewed by
Robert R. Johnson
Professor of finance, Creighton University

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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