Best 4-Year CD Rates in Arkansas, AR

You are viewing rates from banks across Arkansas

Below are four-year CD Rates from banks in Arkansas . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

AR - November 14, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
Seattle Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.65% → 4.55% → 4.20% → 4.05% → 3.80%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Capital One, National Association	3.55%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Gateway First Bank	3.00%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Intrust Bank, National Association	2.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.50% → 3.00% → 2.50%
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
BOKF, National Association	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Texana Bank, National Association	1.35%	$10,000	-	Learn More
Steve \| Mar 19, 2021 ... Read More Reviews (2)
First State Bank of DeQueen	1.31%	$10,000	-	Learn More Add Review
Gateway Bank	1.27%	$10,000	-	Learn More Add Review
FBT Bank & Mortgage	1.25%	$10,000	-	Learn More Add Review
Signature Bank of Arkansas	1.25%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
First Financial Bank	1.16%	$10,000	-	Learn More Add Review
The Peoples Bank	1.16%	$10,000	-	Learn More
Marsha Sarkela \| Mar 2, 2021 This is NOT CORRECT. Read More Reviews (2)
Farmers Bank & Trust Company	1.15%	$10,000	-	Learn More Add Review
Signature Bank of Arkansas	1.10%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
Armstrong Bank	1.06%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Commercial National Bank of Texarkana	1.05%	$10,000	-	Learn More Add Review
Bank of Salem	1.01%	$10,000	-	Learn More Add Review
Bank of Cave City	1.00%	$10,000	-	Learn More Add Review
Southern Bank	1.00%	$100,000	-	Learn More Add Review
Merchants and Farmers Bank	1.00%	$100,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Grand Savings Bank	0.95%	$500	-	Learn More Add Review
Firstar Bank	0.95%	$100,000	-	Learn More Add Review
Legacy National Bank	0.95%	$10,000	-	Learn More Add Review
RiverBank	0.90%	$10,000	-	Learn More Add Review
Stone Bank	0.90%	$10,000	-	Learn More Add Review
First Financial Bank	0.90%	$10,000	-	Learn More Add Review
The Citizens Bank	0.90%	$10,000	-	Learn More Add Review
Cross County Bank	0.90%	$100,000	-	Learn More Add Review
Southern Bank	0.90%	$10,000	-	Learn More Add Review
Armstrong Bank	0.90%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Cross County Bank	0.85%	$10,000	-	Learn More Add Review
Generations Bank	0.85%	$1,000	-	Learn More Add Review
United Bank	0.80%	$10,000	-	Learn More Add Review
Generations Bank	0.80%	$10,000	-	Learn More Add Review
Relyance Bank, National Association	0.80%	$100,000	-	Learn More Add Review
The Farmers & Merchants Bank	0.75%	$10,000	-	Learn More Add Review
Merchants and Farmers Bank	0.75%	$500	-	Learn More Add Review
The Union Bank of Mena	0.75%	$10,000	-	Learn More Add Review
Firstar Bank	0.75%	$1,000	-	Learn More Add Review
First State Bank	0.75%	$10,000	-	Learn More Add Review
Today's Bank	0.75%	$10,000	-	Learn More Add Review
Anstaff Bank	0.70%	$10,000	-	Learn More
Farmer Jay \| Sep 14, 2023 My wife and I wanted to purchase a tractor for 25000.00. The equipment company sent us to Anstaff Bank for financing and instructed us to speak with Bailey Booperhamer. When we walked in, he immediately sa... Read More Reviews (3)
Relyance Bank, National Association	0.70%	$10,000	-	Learn More Add Review
First Community Bank	0.65%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank	0.65%	$10,000	-	Learn More Add Review
Cornerstone Bank	0.64%	$10,000	-	Learn More
Countrygirl \| Mar 1, 2021 Rates on here are not accurate. Read More Reviews (1)
FNBC Bank	0.60%	$500	-	Learn More Add Review
First National Bank of Eastern Arkansas	0.60%	$100,000	-	Learn More Add Review
Great Southern Bank	0.60%	$250	-	Learn More Add Review
Farmers Bank	0.55%	$100,000	-	Learn More Add Review
Armor Bank	0.50%	$10,000	-	Learn More Add Review
Farmers Bank	0.50%	$10,000	-	Learn More Add Review
ENCORE BANK	0.50%	$10,000	-	Learn More Add Review
First State Bank	0.50%	$1,000	-	Learn More Add Review
First National Bank of Eastern Arkansas	0.50%	$10,000	-	Learn More Add Review
Southern Bancorp Bank	0.45%	$500	-	Learn More Add Review
The Malvern National Bank	0.45%	$10,000	-	Learn More
Bobby jean \| Jun 15, 2019 My aunt was treated horrible by okd gray headed teller with glasses at malvern national bank down town and this big fat black man with a too little shirt on and jeans sagging and tammie. This bank is raci... Read More Reviews (1)
Eagle Bank and Trust Company	0.40%	$10,000	-	Learn More Add Review
Centennial Bank	0.35%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
Equity Bank	0.25%	$1,000	-	Learn More Add Review
U.S. Bank National Association	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Arkansas

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Arkansas CD Rates – 4-Year

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Arkansas

Download a Free eBook