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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Denver
Below are four-year CD Rates from banks in Colorado . 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.
Denver, CO - November 23, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.80% |
$1,000 |
- |
Learn More
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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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2.53% |
$1,000 |
- |
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|
|
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Rate History: 3.05% → 2.53% |
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|
1.55% |
$100,000 |
- |
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|
|
|
Aku | May 29, 2020 Dua Read More |
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|
1.34% |
$10,000 |
13.51 |
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|
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1.15% |
$10,000 |
12.91 |
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|
|
|
1.11% |
$10,000 |
15.36 |
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|
|
|
1.10% |
$1,000 |
9.34 |
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|
|
|
1.00% |
$10,000 |
16.92 |
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|
|
|
0.90% |
$10,000 |
10.09 |
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|
|
|
0.80% |
$10,000 |
20.96 |
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|
|
|
Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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|
0.75% |
$10,000 |
5.74 |
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|
|
0.60% |
$10,000 |
9.46 |
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|
|
|
0.57% |
$10,000 |
9.34 |
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|
|
|
0.55% |
$100,000 |
7.33 |
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|
|
|
0.50% |
$10,000 |
7.33 |
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|
|
|
0.45% |
$10,000 |
5.07 |
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|
|
|
0.45% |
$10,000 |
7.14 |
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|
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|
CatAnn | Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More |
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|
0.40% |
$1,000 |
7.15 |
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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 |
7.26 |
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|
|
|
0.35% |
$100,000 |
12.28 |
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|
|
|
Trujillo | Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More |
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|
0.30% |
$10,000 |
14.63 |
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|
|
|
RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.30% |
$10,000 |
12.28 |
Learn More
|
|
|
Trujillo | Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More |
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|
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 |
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|
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 |
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|
0.12% |
$500 |
- |
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|
|
|
0.05% |
$2,500 |
- |
Learn More
|
|
|
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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0.03% |
$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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0.01% |
$10,000 |
18.66 |
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.
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