Best 4-Year CD Rates in Colorado, CO

You are viewing rates from banks across Colorado

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.

CO - November 30, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
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)
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)
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)
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)
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)
High Country Bank	1.70%	$100,000	-	Learn More Add Review
BOKF, National Association	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
First Pioneer National Bank	1.36%	$100,000	-	Learn More Add Review
Champion Bank	1.34%	$10,000	-	Learn More Add Review
Four Corners Community Bank	1.25%	$10,000	-	Learn More
Unhappy customer definitely NOT THE BANK FOR ME! \| Sep 21, 2020 I am fed up with how poorly this bank is run. I have made deposit and given a receipt with the wrong amount more than once. I have received other customer's cancelled checks. The online bank site is a mess... Read More Reviews (1)
First National Bank, Cortez	1.18%	$100,000	-	Learn More Add Review
Park State Bank & Trust	1.16%	$500	-	Learn More Add Review
NBH Bank	1.15%	$10,000	-	Learn More Add Review
First Pioneer National Bank	1.11%	$10,000	-	Learn More Add Review
Yampa Valley Bank	1.11%	$10,000	-	Learn More Add Review
First Southwest Bank	1.11%	$10,000	-	Learn More Add Review
Mountain View Bank of Commerce	1.11%	$10,000	-	Learn More Add Review
First National Bank	1.10%	$1,000	-	Learn More Add Review
Equitable Savings and Loan Association	1.06%	$10,000	-	Learn More Add Review
First FarmBank	1.05%	$10,000	-	Learn More Add Review
Gunnison Savings and Loan Association	1.01%	$10,000	-	Learn More Add Review
The State Bank	1.00%	$10,000	-	Learn More Add Review
Mountain Valley Bank	1.00%	$10,000	-	Learn More Add Review
Points West Community Bank	1.00%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA	1.00%	$10,000	-	Learn More Add Review
North Valley Bank	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
First National Bank, Cortez	0.99%	$10,000	-	Learn More Add Review
MNB BANK	0.90%	$10,000	-	Learn More Add Review
CoreFirst Bank & Trust	0.90%	$10,000	-	Learn More Add Review
FirsTier Bank	0.90%	$10,000	-	Learn More Add Review
Points West Community Bank	0.90%	$10,000	-	Learn More Add Review
GNBank, National Association	0.85%	$10,000	-	Learn More Add Review
High Country Bank	0.85%	$10,000	-	Learn More Add Review
The Gunnison Bank and Trust Company	0.85%	$10,000	-	Learn More Add Review
FMS Bank	0.85%	$100,000	-	Learn More Add Review
Del Norte Bank	0.80%	$100,000	-	Learn More Add Review
Integrity Bank & Trust	0.80%	$10,000	-	Learn More Add Review
Academy Bank, National Association	0.80%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
RNB STATE BANK	0.80%	$100,000	-	Learn More Add Review
Farmers Bank	0.75%	$10,000	-	Learn More
eberhard1111 \| Sep 10, 2019 215,000.00 Read More Reviews (1)
Stockmens Bank	0.75%	$10,000	-	Learn More Add Review
The Farmers State Bank of Brush	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)
The Dolores State Bank	0.75%	$100,000	-	Learn More Add Review
The Pueblo Bank and Trust Company	0.75%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust	0.75%	$100,000	-	Learn More Add Review
FMS Bank	0.75%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.75%	$10,000	-	Learn More Add Review
The Dolores State Bank	0.70%	$10,000	-	Learn More Add Review
RNB STATE BANK	0.70%	$10,000	-	Learn More Add Review
Del Norte Bank	0.70%	$10,000	-	Learn More Add Review
Grand Valley Bank	0.70%	$10,000	-	Learn More Add Review
FNB Bank	0.70%	$100,000	-	Learn More Add Review
Home Loan State Bank	0.65%	$10,000	-	Learn More Add Review
Waypoint Bank	0.65%	$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)
FirstOak Bank	0.60%	$10,000	-	Learn More Add Review
Redstone Bank	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Las Animas	0.60%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust	0.60%	$10,000	-	Learn More Add Review
Timberline Bank	0.59%	$1,000	-	Learn More Add Review
First National Bank	0.57%	$10,000	-	Learn More Add Review
Native American Bank, National Association	0.55%	$100,000	-	Learn More Add Review
Frontier Bank	0.55%	$100,000	-	Learn More Add Review
5Star Bank	0.55%	$10,000	-	Learn More Add Review
Native American Bank, National Association	0.50%	$10,000	-	Learn More Add Review
Frontier Bank	0.50%	$10,000	-	Learn More Add Review
Liberty Savings Bank, F.S.B.	0.45%	$10,000	-	Learn More Add Review
Glacier Bank	0.45%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
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)
ANB Bank	0.40%	$10,000	-	Learn More Add Review
InBank	0.35%	$100,000	-	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 Reviews (1)
UMB Bank, National Association	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
InBank	0.30%	$10,000	-	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 Reviews (1)
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)
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 National Bank of Omaha	0.12%	$500	-	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)
FNB 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)
Evergreen National Bank	0.01%	$10,000	-	Learn More Add Review
Citywide Banks	0.01%	$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.

SAVINGS & CD CALCULATOR

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Colorado 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

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