Best 4 Year CD Rates
The best 48 month CD rates from the banks and credit union we track, with minimums, early withdrawal penalties and what $10,000 earns over four years.
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Popular Direct pays the highest 4 year CD rate we track: 4.95% APY, with a $10,000 minimum deposit. Next are Synchrony and Bread Savings at 4.65% and Barclays at 4.50%. The best 4 year rate with no minimum deposit is Synchrony at 4.65%. Every rate was checked at each bank’s own website between Oct 19 and Oct 27, 2026; the table shows the date each bank says its rate applies.
A 4 year CD locks in a fixed rate for 48 months. Below are the 4 year rates from every bank and credit union we review, sorted by APY. When two rates tie, the lower minimum deposit comes first.
4 year CD rates compared
| CD | APY | Rate as of | Minimum deposit | Early withdrawal penalty |
|---|---|---|---|---|
| Popular Direct CD | 4.95% | Oct 19, 2026 | $10,000 | 365 days of interest |
| Synchrony CD | 4.65% | Oct 27, 2026 | $0 | 365 days of interest |
| Bread Savings CD | 4.65% | Oct 19, 2026 | $1,500 | 365 days of interest |
| Barclays Online CD | 4.50% | Oct 7, 2026 | $0 | 180 days of interest |
| Marcus High Yield CD | 4.40% | Oct 19, 2026 | $500 | 180 days of interest |
| Capital One 360 CD | 3.50% | Oct 19, 2026 | $0 | 6 months of interest |
| Service Credit Union certificate | 2.45% | Sep 8, 2026 | $500 | Not stated online |
| American Express CD | 2.25% | Oct 19, 2026 | $0 | 365 days of interest |
“Rate as of” is the date each bank says its rate applies. Peak Bank and Always.bank show rates as of the day you view them; we list the day we checked. For comparison, the FDIC national average is 1.39% for 3 year CDs and 1.41% for 5 year CDs, as of Oct 19, 2026. Service Credit Union is a credit union; its certificates are NCUA insured and you must become a member to open one (anyone can join free through a partner association).
CD rates change often for new deposits. Once you open a CD, your rate is fixed for the term.
The top 4 year CDs, in detail
Popular Direct CD: 4.95% APY
Popular Direct pays 4.95% APY on its 4 year CD (as of Oct 19, 2026) with a $10,000 minimum deposit. The early withdrawal penalty on this term is 365 days of interest. Popular Direct CDs are offered by Popular Bank in New York and need $10,000 to open. Read our Popular Direct CD review.
Synchrony CD: 4.65% APY
Synchrony pays 4.65% APY on its 4 year CD (as of Oct 27, 2026) with no minimum deposit. The early withdrawal penalty on this term is 365 days of interest. Synchrony offers many terms, and you can add money only during the 10 day grace period at maturity. Read our Synchrony CD review.
Bread Savings CD: 4.65% APY
Bread Savings pays 4.65% APY on its 4 year CD (as of Oct 19, 2026) with a $1,500 minimum deposit. The early withdrawal penalty on this term is 365 days of interest. Bread accepts up to $1 million per CD. Read our Bread Savings CD review.
Barclays Online CD: 4.50% APY
Barclays pays 4.50% APY on its 4 year CD (as of Oct 7, 2026) with no minimum deposit. The early withdrawal penalty on this term is 180 days of interest. You must fund the CD within 14 days, and you get a 14 day grace period at maturity. Read our Barclays CD review.
Marcus High Yield CD: 4.40% APY
Marcus pays 4.40% APY on its 4 year CD (as of Oct 19, 2026) with a $500 minimum deposit. The early withdrawal penalty on this term is 180 days of interest. If Marcus raises the rate on your term within 10 days of opening, you get the higher rate, and support is available 24/7. Marcus pays the same rate on every term from 12 months to 6 years. Read our Marcus CD review.
Capital One 360 CD: 3.50% APY
Capital One pays 3.50% APY on its 4 year CD (as of Oct 19, 2026) with no minimum deposit. The early withdrawal penalty on this term is 6 months of interest. Capital One has no minimum and lighter penalties, but you cannot add money during the term. Read our Capital One CD review.
How much does a 4 year CD earn?
| CD | APY | Interest on $10,000 | Interest on $25,000 |
|---|---|---|---|
| Popular Direct | 4.95% | $2,132 | $5,330 |
| Synchrony | 4.65% | $1,994 | $4,985 |
| Bread Savings | 4.65% | $1,994 | $4,985 |
| Barclays | 4.50% | $1,925 | $4,813 |
| Marcus | 4.40% | $1,880 | $4,699 |
| Capital One | 3.50% | $1,475 | $3,688 |
Interest compounded at the APY for the full 48 months, with nothing withdrawn, using the rates above. Illustration only; rounded to the nearest dollar.
What an early withdrawal would cost
On $10,000 in a 4 year CD, 365 days of interest at Bread Savings (4.65%) is about $465; 180 days of interest at Barclays (4.50%) is about $222. On the same $10,000, 365 days of interest at Popular Direct (4.95%) is about $495. Penalties are usually charged as days of simple interest, and at some banks they can come out of principal if you have not earned enough interest yet. Banks that do not publish their penalty online give the schedule when you open the account.
How it compares with other terms
- Best 3 year CD rates: the top rate we track is 4.85% at Popular Direct.
- Best 5 year CD rates: the top rate we track is 5.00% at Sallie Mae and Popular Direct.
- Compare every CD we review, scored on rate, minimum, penalties and safety.
Frequently asked questions
What is the best 4 year CD rate right now?
Popular Direct at 4.95% APY (as of Oct 19, 2026), with a $10,000 minimum deposit, among the CDs we review.
Which 4 year CDs have no minimum deposit?
Synchrony (4.65%), Barclays (4.50%), Capital One (3.50%), American Express (2.25%).
What is the penalty for cashing out a 4 year CD early?
Among the banks that publish it, the penalty on this term is 6 months of interest, 180 days of interest or 365 days of interest, depending on the bank. Check the bank’s account agreement before you open.
Are these CDs insured?
Yes. Every bank here is FDIC insured up to $250,000 per depositor, per ownership category, and Service Credit Union certificates have the same coverage through the NCUA.
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