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Image Courtesy: www.pixabay.com
You are viewing rates from banks across California
Below are four-year CD Rates from banks in California . 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.
CA - November 4, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.97% |
$10,000 |
- |
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Rate History: 4.59% → 4.54% → 4.39% → 4.23% → 3.97% |
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samcasino | Mar 5, 2021 The best rate on any CD or savings account is .40% Read More |
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3.80% |
$1,000 |
- |
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Rate History: 3.95% → 3.85% → 3.80% |
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3.80% |
$1,000 |
- |
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Rate History: 3.95% → 3.85% → 3.80% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.80% |
$1,000 |
- |
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Early Withdrawal Penalty is 180 days interest.
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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 |
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3.75% |
$1,000 |
- |
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Warning: Early withdrawal penalty is 3.00%.
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denied_soft_credit_pull | Jan 10, 2024 Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... Read More |
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3.55% |
$0 |
- |
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Rate History: 4.05% → 3.95% → 3.75% → 3.55% |
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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 |
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3.35% 0.35% |
$250,000 $1,000 |
- |
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.00% |
$1,500 |
- |
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Rate History: 2.00% → 3.00% |
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Ryan | Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More |
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3.00% |
$5,000 |
- |
Learn More
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.53% |
$1,000 |
- |
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Rate History: 3.05% → 2.53% |
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2.50% |
$1,000 |
- |
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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 |
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2.27% |
$1,000 |
- |
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Rate History: 2.27% → 3.95% → 3.44% → 2.27% |
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2.00% |
$0 |
- |
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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 |
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2.00% |
$10,000 |
- |
Learn More
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Rate History: 2.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.85% |
$1,000 |
- |
Learn More
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1.77% |
$1,000 |
- |
Learn More
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1.75% 1.25% |
$100,000 $2,500 |
- |
Learn More
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1.51% |
$10,000 |
- |
Learn More
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Rate History: 1.76% → 1.51% |
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1.29% |
$10,000 |
- |
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1.25% |
$500 |
- |
Learn More
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samcasino | Jan 30, 2021 Sterling hasn't offered a 1% rate for over a year. Best one can do now is .20%. The rates shown on this site are grossly outdated. Read More |
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1.20% |
$100,000 |
- |
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1.20% |
$100,000 |
- |
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1.16% |
$10,000 |
- |
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1.15% |
$10,000 |
- |
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1.15% |
$100,000 |
- |
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1.00% |
$100,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$100,000 |
- |
Learn More
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maris | Mar 2, 2019 does require us citizenship? Read More |
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1.00% |
$1,000 |
- |
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0.99% |
$100,000 |
- |
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0.95% |
$10,000 |
- |
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0.95% |
$10,000 |
- |
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0.95% |
$100,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
Learn More
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0.90% |
$10,000 |
- |
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0.89% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
Learn More
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0.85% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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0.80% |
$100,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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0.75% |
$100,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
|
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Small Company | Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More |
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0.75% |
$100,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.70% |
$10,000 |
- |
Learn More
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0.70% |
$10,000 |
- |
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0.70% |
$100,000 |
- |
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0.65% |
$10,000 |
- |
Learn More
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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0.65% |
$100,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$100,000 |
- |
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0.55% |
$100,000 |
- |
Learn More
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0.55% |
$100,000 |
- |
Learn More
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laberta ewing | Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More |
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0.53% |
$100,000 |
- |
Learn More
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0.50% |
$100,000 |
- |
Learn More
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0.50% |
$100,000 |
- |
Learn More
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kristinalouise | Dec 6, 2018 I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More |
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0.50% |
$10,000 |
- |
Learn More
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Harry Reese | Jul 22, 2015 Fix your automated system so I can find information after you close Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
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0.45% |
$10,000 |
- |
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0.45% |
$1,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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kristinalouise | Dec 6, 2018 I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More |
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$100,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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scott | Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More |
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0.45% |
$10,000 |
- |
Learn More
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0.42% |
$100,000 |
- |
Learn More
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0.42% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$100,000 |
- |
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0.40% |
$10,000 |
- |
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0.40% |
$100,000 |
- |
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0.40% |
$10,000 |
- |
Learn More
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Michael strubert | Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More |
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0.40% |
$50,000 |
- |
Learn More
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0.40% |
$1,000 |
- |
Learn More
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sharzns | Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More |
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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laberta ewing | Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More |
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0.35% |
$10,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
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0.29% |
$100,000 |
- |
Learn More
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0.27% |
$10,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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0.15% |
$10,000 |
- |
Learn More
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0.15% |
$500 |
- |
Learn More
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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0.15% 0.10% |
$1 $0 |
- |
Learn More
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Austin | Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More |
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0.15% |
$10,000 |
- |
Learn More
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0.15% |
$1 |
- |
Learn More
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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0.15% |
$500 |
- |
Learn More
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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 |
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0.10% |
$100,000 |
- |
Learn More
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0.10% |
$10,000 |
- |
Learn More
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0.05% |
$2,500 |
- |
Learn More
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Rate History: 0.03% → 0.05% |
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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 |
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0.05% |
$10,000 |
- |
Learn More
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0.03% |
$25,000 |
- |
Learn More
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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 |
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0.03% |
$100,000 |
- |
Learn More
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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 |
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0.00% |
$10,000 |
- |
Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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.
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