Highest Yielding 4-Year CD Rates for Wilmington, NC

Includes Online Banks, Local Banks and Credit Unions / Updated November 23, 2024

All rates listed are Annual Percentage Yield (APY).

Advertiser Disclosure

Merrick Bank

4.00%

Online Rate
48 Month CD - $25,000 Min.

Warning: Early Withdrawal Penalty is 2% of the account balance.

KS StateBank

3.95%

Online Rate with branch - View
4 YEAR - $500 Min.

Synchrony Bank	3.90%	Online Rate 48 Month CD - $0 Min.
Judith \| May 12, 2023 \| I can’t get a real live person ever! Don’t use them ! More Reviews

BMO Alto, a division of Bank of Montreal Harris	3.90%	Online Rate 4-Year CD - $0 Min. Early Withdrawal Penalty is 180 days interest.
J Tremain \| February 22, 2024 \| They gave me the new, lower CD rate even though I had opened the account online when the CD rate was 0.15% higher. I checked with Wells and they had even initiated the transfer before they lowered the rat... More Reviews

Coastal Federal Credit Union

3.90%

Credit Union with nearby branch - View
48 Month - $250 Min.

M.Y. Safra Bank

3.85%

Online Rate
48 Month Online CD - $500 Min.

Early Withdrawal Penalty is 90 days interest.

Seattle Bank

3.80%

Online Rate with branch - View
48 Month - $1,000 Min.

Early Withdrawal Penalty is 180 days interest.

Skyla Federal Credit Union

3.75%

Credit Union with nearby branch - View
48 Month - $500 Min.

Customers Bank

3.75%

Online Rate with branch - View
48 MONTH - $500 Min.

Virtualbank, a division of First Horizon Bank	3.67%	Online Rate 4 Year CD - $10,000 Min. Warning: Early withdrawal penalty is 2% of principal
YTu \| June 27, 2023 \| Amataur outfit - stay away More Reviews

First Internet Bank of Indiana

3.62%

Online Rate
4-Year CD - $1,000 Min.

Early Withdrawal Penalty is 360 days interest.

Goldman Sachs Bank	3.60%	Online Rate 48 Month CD - $500 Min.
Leslie G \| December 7, 2021 \| I've been unable to log on all evening because of the AWS outage. Also, I waited on hold for over 1 hour before giving up. Unable to get access to my money and disappointed by the AWS reliance with no re... More Reviews

Capital One 360	3.55%	Online Rate 4 Year CD - $0 Min. Early Withdrawal Penalty is 6 months interest.
Lucille Foster \| December 6, 2022 \| The MOST organized bank with easy to read online banking ever! More Reviews

Capital One, National Association	3.55%	Bank with nearby branch - View 48 MONTH - $0 Min.
Lucille Foster \| December 6, 2022 \| The MOST organized bank with easy to read online banking ever! More Reviews

State Employees' Credit Union

3.50%

Credit Union with nearby branch - View
48 Months Share Term - $250 Min.

Prime Alliance Bank	3.50%	Online Rate 48 Month Online CD - $500 Min. Early Withdrawal Penalty is 90 days interest.
howdoyoudo \| July 18, 2022 \| And how is this an online bank if they are inundating me with invitations to a customer appreciation free movie showing in some remote location in Utah? More Reviews

Northern Bank Direct	3.50%	Online Rate 48 Month CD - $500 Min.
Wazup \| October 13, 2022 \| might be a good as a local bank, but not set up as an online bank More Reviews

TIAA Bank / Everbank	3.50%	Online Rate Basic CD - $1,000 Min.
Jeff T \| November 21, 2023 \| Everbank is the same name that was issuing foreign currency CDs and saying there was no risk and then violating their own T&C to not pay out. It is back. Terrible bank, no matter what the name. More Reviews

Bread Savings, a division of Bread Financial	3.50%	Online Rate 4-Year CD - $1,500 Min. Early withdrawal penalty is 365 days interest.
PB VeganChic \| November 7, 2023 \| The rates are good but it was a hassle getting my account set up. The app does not work. I purchased a 5 year CD and I hope I don't have any issues when it's time to cash it out. I wouldn't recommend Bread... More Reviews

Latino Community Credit Union

3.50%

Credit Union with nearby branch - View
48 Months Jumbo - $200,000 Min.

Ally Bank	3.40%	Online Rate 4 Year "Raise Your Rate" CD - $0 Min.
TeresaKnight \| August 1, 2022 \| Hard to imagine how Ally got to be so bad, but 1 hour to speak with anyone on the phone is just not good business. It however is slightly better than my other bank which is CIT which hangs up on me. More Reviews

Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.40%	Online Rate 48 Month Online CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest.
Frog Stephane \| October 30, 2022 \| I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%). Whatever I made with this adjustme... More Reviews

Discover Bank

3.40%

Online Rate
48 Month CD - $2,500 Min.

Latino Community Credit Union

3.40%

Credit Union with nearby branch - View
48 Months Jumbo - $100,000 Min.

Corning Federal Credit Union

3.40%

Credit Union with nearby branch - View
48 Month Jumbo - $100,000 Min.

Self-help Credit Union

3.35%

Credit Union with nearby branch - View
48 Month - $500 Min.

Truliant Federal Credit Union

3.34%

Credit Union with nearby branch - View
48 Month - $100,000 Min.

Department Of Commerce Federal Credit Union

3.30%

Online Rate
4-Year CD - $500 Min.

Latino Community Credit Union

3.30%

Credit Union with nearby branch - View
48 Months - $500 Min.

Benchmark Community Bank

3.30%

Bank with nearby branch - View
48 MONTH Premium - $501 Min.

Popular Direct

3.30%

Online Rate
48 Month CD - $10,000 Min.

Early Withdrawal Penalty is 365 days interest.

First Flight Federal Credit Union

3.30%

Credit Union with nearby branch - View
48 Month - $10,000 Min.

Fort Liberty Federal Credit Union

3.30%

Credit Union with nearby branch - View
48 Month - $25,000 Min.

Truliant Federal Credit Union

3.29%

Credit Union with nearby branch - View
48 Month - $25,000 Min.

Truliant Federal Credit Union

3.24%

Credit Union with nearby branch - View
48 Month - $5,000 Min.

Connexus Credit Union	3.21%	Online Rate with branch - View Jumbo 48 Month - $100,000 Min.
Josh Hinson \| February 3, 2023 \| So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

Fort Liberty Federal Credit Union

3.20%

Credit Union with nearby branch - View
48 Month - $500 Min.

First Flight Federal Credit Union

3.20%

Credit Union with nearby branch - View
48 Month - $500 Min.

Corning Federal Credit Union

3.20%

Credit Union with nearby branch - View
48 Month - $1,000 Min.

Pentagon Federal Credit Union	3.20%	Online Rate with branch - View 4 Year Money Market Certificate - $1,000 Min.
Elizabeth \| July 22, 2023 \| Don't have an opinion now other than I like the % rate More Reviews

Truliant Federal Credit Union

3.18%

Credit Union with nearby branch - View
48 Month - $250 Min.

Connexus Credit Union	3.11%	Online Rate with branch - View 48 Month - $5,000 Min.
Josh Hinson \| February 3, 2023 \| So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

American Airlines Federal Credit Union

3.09%

Credit Union with nearby branch - View
48 Month Regular Share Certificate - $10,000 Min.

American Express Bank, FSB

3.00%

Online Rate
48 Month CD - $0 Min.

Barclays Bank Delaware	3.00%	Online Rate 48-Month Online CD - $0 Min. Early Withdrawal Penalty is 180 days interest.
JTurlow \| November 9, 2021 \| Higher rate but same old bank. Still engages in a process of not crediting deposits for two days after they are drawn. As a result, any transfers initiated after Wednesday will miss earning interest over t... More Reviews