Best 4-Year CD Rates in California, CA

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 22, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
Community Commerce Bank	3.97%	$10,000	-	Learn More
Rate History: 4.59% → 4.54% → 4.39% → 4.23% → 3.97%
samcasino \| Mar 5, 2021 The best rate on any CD or savings account is .40% Read More Reviews (2)
Beal Bank	3.80%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80%
Beal Bank USA	3.80%	$1,000	-	Learn More
Rate History: 3.95% → 3.85% → 3.80%
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 Reviews (3)
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)
Poppy Bank	3.75%	$1,000	-	Learn More
Warning: Early withdrawal penalty is 3.00%. Rate History: 2.00% → 3.75%
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 Reviews (1)
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)
Bank of Hope	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
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 Reviews (1)
Habib American Bank	3.00%	$1,500	-	Learn More
Rate History: 2.00% → 3.00%
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 Reviews (2)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Zions Bank	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
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)
State Bank of India (California)	2.27%	$1,000	-	Learn More Add Review
Rate History: 2.27% → 3.95% → 3.44% → 2.27%
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)
American Plus Bank, N.A.	1.85%	$1,000	-	Learn More Add Review
PCB Bank	1.77%	$1,000	-	Learn More Add Review
Fremont Bank	1.75% 1.25%	$100,000 $2,500	-	Learn More Add Review
City National Bank	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
Summit State Bank	1.29%	$10,000	-	Learn More Add Review
Sterling Bank and Trust, FSB	1.25%	$500	-	Learn More
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 Reviews (1)
BEACON BUSINESS BANK, NATIONAL ASSOCIATION	1.20%	$100,000	-	Learn More Add Review
Mission National Bank	1.20%	$100,000	-	Learn More Add Review
Balboa Thrift and Loan Association	1.16%	$10,000	-	Learn More Add Review
California International Bank, N.A.	1.15%	$10,000	-	Learn More Add Review
Avidbank	1.15%	$100,000	-	Learn More Add Review
Wallis Bank	1.00%	$100,000	-	Learn More Add Review
Mission National Bank	1.00%	$10,000	-	Learn More Add Review
First Credit Bank	1.00%	$100,000	-	Learn More
maris \| Mar 2, 2019 does require us citizenship? Read More Reviews (1)
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Bank of the Orient	0.99%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association of San Rafael	0.95%	$10,000	-	Learn More Add Review
Wallis Bank	0.95%	$10,000	-	Learn More Add Review
Community Bank of the Bay	0.95%	$100,000	-	Learn More Add Review
BEACON BUSINESS BANK, NATIONAL ASSOCIATION	0.90%	$10,000	-	Learn More Add Review
Metropolitan Bank	0.90%	$10,000	-	Learn More Add Review
United Pacific Bank	0.90%	$10,000	-	Learn More Add Review
Bank of the Orient	0.89%	$10,000	-	Learn More Add Review
Home Bank of California	0.85%	$10,000	-	Learn More Add Review
Community Bank of the Bay	0.85%	$10,000	-	Learn More Add Review
California Business Bank	0.80%	$10,000	-	Learn More Add Review
CalPrivate Bank	0.80%	$100,000	-	Learn More Add Review
Avidbank	0.80%	$10,000	-	Learn More Add Review
Mega Bank	0.75%	$100,000	-	Learn More Add Review
Manufacturers Bank	0.75%	$10,000	-	Learn More Add Review
CalPrivate Bank	0.75%	$10,000	-	Learn More Add Review
United Business Bank	0.75%	$10,000	-	Learn More
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 Reviews (1)
Plumas Bank	0.75%	$100,000	-	Learn More Add Review
The Bank of Hemet	0.75%	$10,000	-	Learn More Add Review
Monterey County Bank	0.70%	$10,000	-	Learn More Add Review
Neighborhood National Bank	0.70%	$10,000	-	Learn More Add Review
Golden Valley Bank	0.70%	$100,000	-	Learn More Add Review
COMMONWEALTH BUSINESS BANK	0.65%	$10,000	-	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
Fresno First Bank	0.65%	$100,000	-	Learn More Add Review
Plumas Bank	0.65%	$10,000	-	Learn More Add Review
Santa Cruz County Bank	0.65%	$10,000	-	Learn More Add Review
Tustin Community Bank	0.60%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Five Star Bank	0.60%	$10,000	-	Learn More Add Review
Fresno First Bank	0.60%	$10,000	-	Learn More Add Review
Golden Valley Bank	0.60%	$10,000	-	Learn More Add Review
Bank of Stockton	0.60%	$100,000	-	Learn More Add Review
United Security Bank	0.55%	$100,000	-	Learn More Add Review
Community Valley Bank	0.55%	$100,000	-	Learn More
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 Reviews (1)
Mission Bank	0.53%	$100,000	-	Learn More Add Review
Bank of Southern California, N.A.	0.50%	$100,000	-	Learn More Add Review
Mechanics Bank	0.50%	$100,000	-	Learn More
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 Reviews (1)
Pacific Premier Bank	0.50%	$10,000	-	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
California Pacific Bank	0.50%	$10,000	-	Learn More Add Review
Citizens Business Bank	0.45%	$10,000	-	Learn More Add Review
United Security Bank	0.45%	$10,000	-	Learn More Add Review
First Bank	0.45%	$1,000	-	Learn More Add Review
Mechanics Bank	0.45%	$10,000	-	Learn More
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 Reviews (1)
Bank of Southern California, N.A.	0.45%	$10,000	-	Learn More Add Review
Bank of San Francisco	0.45%	$100,000	-	Learn More Add Review
Western Alliance Bank	0.45%	$10,000	-	Learn More Add Review
Westamerica Bank	0.45%	$10,000	-	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
Royal Business Bank	0.45%	$10,000	-	Learn More Add Review
Exchange Bank	0.42%	$100,000	-	Learn More Add Review
Mission Bank	0.42%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank of Long Beach	0.40%	$10,000	-	Learn More Add Review
Provident Savings Bank, F.S.B.	0.40%	$100,000	-	Learn More Add Review
Exchange Bank	0.40%	$10,000	-	Learn More Add Review
Northern California National Bank	0.40%	$100,000	-	Learn More Add Review
Beneficial State Bank	0.40%	$10,000	-	Learn More
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 Reviews (1)
Cathay Bank	0.40%	$50,000	-	Learn More Add Review
MidFirst Bank	0.40%	$1,000	-	Learn More
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 Reviews (3)
Bank of San Francisco	0.40%	$10,000	-	Learn More Add Review
Bank of Stockton	0.40%	$10,000	-	Learn More Add Review
Community Valley Bank	0.35%	$10,000	-	Learn More
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 Reviews (1)
Provident Savings Bank, F.S.B.	0.35%	$10,000	-	Learn More Add Review
Mega Bank	0.30%	$10,000	-	Learn More Add Review
Bank of the Sierra	0.29%	$100,000	-	Learn More Add Review
Bank of the Sierra	0.27%	$10,000	-	Learn More Add Review
Pacific Valley Bank	0.25%	$10,000	-	Learn More Add Review
Northern California National Bank	0.25%	$10,000	-	Learn More Add Review
East West Bank	0.20%	$10,000	-	Learn More
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 Reviews (2)
Montecito Bank & Trust	0.15%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.15%	$500	-	Learn More
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 Reviews (3)
Umpqua Bank	0.15% 0.10%	$1 $0	-	Learn More
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 Reviews (2)
American Riviera Bank	0.15%	$10,000	-	Learn More Add Review
Comerica Bank	0.15%	$1	-	Learn More
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 Reviews (1)
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)
1st Capital Bank	0.10%	$100,000	-	Learn More Add Review
Bank of Guam	0.10%	$10,000	-	Learn More Add Review
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)
1st Capital Bank	0.05%	$10,000	-	Learn More Add Review
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)
Industrial and Commercial Bank of China USA, National Association	0.00%	$10,000	-	Learn More Add Review

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

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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.

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California 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

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