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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Florida
Below are four-year CD Rates from banks in Florida . 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.
FL - December 22, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.00% |
$5,000 |
- |
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Rate History: 3.60% → 3.90% → 3.95% → 4.05% → 4.00% |
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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% |
$500 |
- |
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Rate History: 1.00% → 2.75% → 2.75% → 4.00% → 3.75% |
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Molddave | Aug 30, 2023 Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More |
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3.65% |
$1,000 |
- |
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Rate History: 3.80% → 3.70% → 3.65% |
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Dr. E. F. Ayers; e.f.ayers@outlook.com | Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More |
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3.55% |
$0 |
- |
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|
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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% |
$500 |
- |
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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 |
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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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2.50% |
$500 |
- |
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Sara Jennings | Dec 26, 2021 SJennings Read More |
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2.50% |
$500 |
- |
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2.02% |
$2,500 |
- |
Learn More
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David Klemann Sr. | Dec 8, 2023 We have been banking with Citizen's First for 4 years. Their branches, service, website, and employee attitudes are and always have been excellent. Their branches are warmly personal with free buttered po... Read More |
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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% |
$2,500 |
- |
Learn 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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1.56% |
$100,000 |
- |
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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1.50% |
$500 |
- |
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1.50% |
$1,000 |
- |
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Rate History: 2.50% → 1.50% |
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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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1.50% |
$500 |
- |
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1.41% |
$10,000 |
- |
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1.35% |
$1,000 |
- |
Learn More
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Rate History: 0.15% → 1.35% → 4.00% → 1.35% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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1.30% |
$500 |
- |
Learn More
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Rate History: 1.00% → 1.30% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.26% |
$10,000 |
- |
Learn More
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1.21% |
$10,000 |
- |
Learn More
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1.03% |
$10,000 |
- |
Learn More
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1.01% |
$10,000 |
- |
Learn More
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melissaowens | Apr 1, 2022 This bank is the absolute worst along with [name redacted] and [name redacted]. Their communication is horrible, they lie and are negligent. They told me I was approved for a commercial loan so I moved for... Read More |
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1.00% |
$10,000 |
- |
Learn More
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1.00% |
$1,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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wlsjacobson | Jul 31, 2017 Outstanding bank, management and client service. Well run and financially very strong Read More |
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1.00% |
$1,000 |
- |
Learn More
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0.96% |
$10,000 |
- |
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0.95% |
$100,000 |
- |
Learn More
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0.90% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
Learn More
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0.85% |
$500 |
- |
Learn More
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Justice | Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More |
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0.85% |
$10,000 |
- |
Learn More
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0.85% |
$10,000 |
- |
Learn More
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0.81% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.80% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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jpchamorro | Apr 5, 2020 great Read More |
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0.80% |
$10,000 |
- |
Learn More
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Chadpatt | Jun 14, 2021 I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More |
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0.75% |
$1,000 |
- |
Learn More
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|
nino | Nov 11, 2021 nino Read More |
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0.75% |
$10,000 |
- |
Learn More
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0.71% |
$10,000 |
- |
Learn More
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0.70% |
$1,000 |
- |
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0.70% |
$10,000 |
- |
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 |
- |
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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% |
$100,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.55% |
$10,000 |
- |
Learn More
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0.55% |
$500 |
- |
Learn More
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0.55% |
$10,000 |
- |
Learn More
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danioly24@icloud.com | Jul 31, 2016 This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to ... Read More |
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0.55% |
$10,000 |
- |
Learn More
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0.50% |
$1,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$100,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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trbf15 | Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More |
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0.50% |
$10,000 |
- |
Learn More
|
|
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Mark2 | Oct 2, 2020 O stars! Horrible bank Read More |
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$1,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.40% |
$100,000 |
- |
Learn More
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0.40% |
$100,000 |
- |
Learn 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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0.40% |
$500 |
- |
Learn More
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0.35% |
$100,000 |
- |
Learn More
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Asj | Nov 15, 2020 Do they? Read More |
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0.35% |
$10,000 |
- |
Learn More
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Jason Wach | Aug 22, 2019 Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More |
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0.35% |
$10,000 |
- |
Learn More
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Asj | Nov 15, 2020 Do they? Read More |
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0.35% |
$10,000 |
- |
Learn More
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0.33% |
$1,000 |
- |
Learn More
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$10,000 |
- |
Learn More
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0.27% |
$100,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read 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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0.25% |
$10,000 |
- |
Learn More
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.24% |
$10,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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COLETTE B | May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read 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% |
$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% |
$10,000 |
- |
Learn More
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0.10% |
$1,000 |
- |
Learn More
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$500 |
- |
Learn More
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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0.05% 0.01% |
$2,501 $2,500 |
- |
Learn More
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Rate History: 0.03% → 0.05% |
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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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0.03% |
$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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0.01% |
$500 |
- |
Learn More
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read 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