Best 4-Year CD Rates in Georgia, GA

You are viewing rates from banks across Georgia

Below are four-year CD Rates from banks in Georgia . 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.

GA - November 5, 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)
Touchmark National Bank	3.50%	$1,000	-	Learn More Add Review
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)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
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)
American Commerce Bank, National Association	2.50%	$500	-	Learn More Add Review
New Millennium Bank	2.00%	$500	-	Learn More Add Review
Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00%
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)
Hyperion Bank	1.95%	$500	-	Learn More Add Review
First State Bank	1.55%	$10,000	-	Learn More Add Review
City National Bank	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
The Peoples Bank of Georgia	1.41%	$10,000	-	Learn More Add Review
Bank of Madison	1.36%	$10,000	-	Learn More Add Review
Tandem Bank	1.31%	$10,000	-	Learn More Add Review
Woodforest National Bank	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Georgia Community Bank	1.26%	$10,000	-	Learn More Add Review
FNB SOUTH	1.26%	$10,000	-	Learn More
It's just me \| Aug 20, 2022 FNB FOLKSTON,GA, Ga. is the BEST bank to do business with, they go above and beyond for their customers, staff Is Great!! Sure miss some of the former employees though!! Read More Reviews (1)
Mount Vernon Bank	1.25%	$10,000	-	Learn More Add Review
Family Bank	1.25%	$10,000	-	Learn More Add Review
Bank of Wrightsville	1.25%	$10,000	-	Learn More Add Review
Bank of Newington	1.21%	$10,000	-	Learn More Add Review
Bank of Monticello	1.20%	$10,000	-	Learn More Add Review
Bank of Camilla	1.20%	$10,000	-	Learn More Add Review
South Coast Bank & Trust	1.15%	$10,000	-	Learn More Add Review
First Chatham Bank	1.12%	$10,000	-	Learn More
314201 \| Sep 18, 2018 I have been a satisfied customer at the Hodgson Memorial branch. The customer service is always excellent. Jenny Collins has been especially helpful and professional. Read More Reviews (1)
First Peoples Bank	1.10%	$10,000	-	Learn More Add Review
South Georgia Bank	1.10%	$10,000	-	Learn More Add Review
United National Bank	1.10%	$10,000	-	Learn More Add Review
American Pride Bank	1.05%	$10,000	-	Learn More
Lily \| Dec 14, 2021 no reveiw Read More Reviews (1)
Pineland Bank	1.03%	$10,000	-	Learn More Add Review
Planters and Citizens Bank	1.01%	$10,000	-	Learn More Add Review
Farmers State Bank	1.00%	$10,000	-	Learn More Add Review
Talbot State Bank	1.00%	$10,000	-	Learn More
ronald.burrell673@gmail.com \| Aug 11, 2019 We have trouble with them crediting payments made on time, by the time point Aand B get your payment and record it, you are always seen as a late payment. This just drives me crazy, also, they don't do all... Read More Reviews (1)
Georgia Primary Bank	1.00%	$10,000	-	Learn More Add Review
Wallis Bank	1.00%	$100,000	-	Learn More Add Review
Durden Banking Company, Incorporated	1.00%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia	1.00%	$100,000	-	Learn More Add Review
CoastalStates Bank	1.00%	$10,000	-	Learn More Add Review
Century Bank and Trust	1.00%	$10,000	-	Learn More Add Review
Oconee State Bank	1.00%	$10,000	-	Learn More
Carol Walters \| Mar 29, 2021 I have had problems with Oconee State Bank blocking purchases I made online from a legitimate business for pet products. They block it because the seller is in the UK, even though I have purchased from the... Read More Reviews (1)
Community Bank of Georgia	1.00%	$10,000	-	Learn More Add Review
Bank of Dudley	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Wallis Bank	0.95%	$10,000	-	Learn More Add Review
Newton Federal Bank	0.95%	$10,000	-	Learn More Add Review
First Bank of Coastal Georgia	0.95%	$100,000	-	Learn More Add Review
Bank of Eastman	0.90%	$10,000	-	Learn More Add Review
Exchange Bank	0.90%	$10,000	-	Learn More Add Review
First National Bank of Decatur County	0.90%	$10,000	-	Learn More Add Review
The Bank of La Fayette, Georgia	0.90%	$10,000	-	Learn More Add Review
Morris Bank	0.90%	$10,000	-	Learn More
Samantha \| Dec 14, 2021 Awesome i lost half my money and they paid me triple Read More Reviews (1)
First Bank of Coastal Georgia	0.90%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Valdosta	0.90%	$10,000	-	Learn More Add Review
Citizens Bank & Trust, Inc.	0.90%	$500	-	Learn More Add Review
The Piedmont Bank	0.85%	$10,000	-	Learn More Add Review
Bank of Dade	0.85%	$1,000	-	Learn More Add Review
South State Bank, National Association	0.85%	$500	-	Learn More
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 Reviews (2)
Signature Bank of Georgia	0.85%	$1,000	-	Learn More Add Review
Farmers & Merchants Bank	0.85%	$10,000	-	Learn More Add Review
BankSouth	0.85%	$10,000	-	Learn More Add Review
Carver State Bank	0.85%	$10,000	-	Learn More Add Review
F&M Bank	0.85%	$100,000	-	Learn More Add Review
First National Community Bank	0.81%	$10,000	-	Learn More Add Review
The Claxton Bank	0.80%	$10,000	-	Learn More Add Review
Planters First Bank	0.80%	$10,000	-	Learn More Add Review
The Citizens Bank of Cochran	0.80%	$10,000	-	Learn More Add Review
Oconee Federal Savings and Loan Association	0.80%	$10,000	-	Learn More
Bonjo \| Nov 10, 2022 Sammi rude I feel she gets mad if she has to do anything Seneca up town bank like she is scholing me no people skills very moody needs to be talked to Read More Reviews (1)
F&M Bank	0.80%	$10,000	-	Learn More Add Review
The Peoples Bank	0.80%	$10,000	-	Learn More Add Review
Peoples Bank & Trust	0.80%	$500	-	Learn More Add Review
Southern States Bank	0.75%	$10,000	-	Learn More Add Review
Wilcox County State Bank	0.75%	$10,000	-	Learn More Add Review
Thomasville National Bank	0.75%	$10,000	-	Learn More Add Review
The Citizens National Bank of Quitman	0.75%	$10,000	-	Learn More Add Review
F & M Bank and Trust Company	0.75%	$10,000	-	Learn More Add Review
Sunmark Community Bank	0.75%	$10,000	-	Learn More Add Review
Vidalia Federal Savings Bank	0.75%	$10,000	-	Learn More
adriane jackson \| Aug 29, 2015 hello I need to know how much it is to open a regular savings that gains intrest Read More Reviews (1)
Pinnacle Bank	0.75%	$500	-	Learn More Add Review
ServisFirst Bank	0.71%	$10,000	-	Learn More Add Review
First American Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
Commercial Banking Company	0.70%	$10,000	-	Learn More Add Review
Peach State Bank & Trust	0.70%	$10,000	-	Learn More Add Review
The Commercial Bank	0.70%	$10,000	-	Learn More Add Review
First Bank of Pike	0.70%	$10,000	-	Learn More Add Review
First Port City Bank	0.70%	$10,000	-	Learn More Add Review
Rabun County Bank	0.65%	$500	-	Learn More Add Review
Peoples Bank of East Tennessee	0.65%	$10,000	-	Learn More Add Review
FirstBank	0.65%	$10,000	-	Learn More Add Review
Flint Community Bank	0.65%	$10,000	-	Learn More Add Review
Waycross Bank & Trust	0.65%	$500	-	Learn More Add Review
OneSouth Bank	0.65%	$10,000	-	Learn More Add Review
Citizens Community Bank	0.65%	$100,000	-	Learn More Add Review
PeoplesSouth 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)
Southeast First National Bank	0.60%	$10,000	-	Learn More Add Review
Altamaha Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
Community Banking Company of Fitzgerald	0.55%	$10,000	-	Learn More Add Review
Douglas National Bank	0.55%	$10,000	-	Learn More Add Review
First National Bank of Griffin	0.55%	$10,000	-	Learn More Add Review
Citizens Community Bank	0.55%	$10,000	-	Learn More Add Review
The Citizens Bank of Georgia	0.50%	$10,000	-	Learn More Add Review
Wheeler County State Bank	0.50%	$10,000	-	Learn More Add Review
United Bank	0.50%	$10,000	-	Learn More Add Review
AB&T	0.50%	$10,000	-	Learn More Add Review
Queensborough National Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Waynesboro	0.50%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.50%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Bank of Eastman	0.50%	$10,000	-	Learn More Add Review
First Southern Bank	0.50%	$10,000	-	Learn More Add Review
Capital City Bank	0.50%	$100,000	-	Learn More
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 Reviews (1)
Great Oaks Bank	0.50%	$10,000	-	Learn More Add Review
Community Bank and Trust - West Georgia	0.50%	$10,000	-	Learn More Add Review
Southeastern Bank	0.45%	$10,000	-	Learn More Add Review
Security Federal Bank	0.45%	$10,000	-	Learn More
Angry \| Aug 8, 2022 DO NOT USE THIS BANK!!!! My brother passed and unfortunately he had a savings account with these thieves. I properly went through probate court and got an Order for the bank to release the funds to me and... Read More Reviews (2)
CIBC Bank USA	0.45%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Southeastern Bank	0.45%	$10,000	-	Learn More Add Review
The Farmers Bank	0.35%	$10,000	-	Learn More Add Review
Metro City Bank	0.33%	$1,000	-	Learn More
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 Reviews (1)
Citizens Trust Bank	0.30%	$10,000	-	Learn More Add Review
Colony Bank	0.30%	$10,000	-	Learn More Add Review
First Community Bank	0.30%	$10,000	-	Learn More Add Review
First Volunteer Bank	0.25%	$1,000	-	Learn More
GOb \| Dec 18, 2023 They will not cash savings bonds for non-account holders Read More Reviews (5)
River City Bank	0.25%	$10,000	-	Learn More Add Review
Capital City Bank	0.25%	$10,000	-	Learn More
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 Reviews (1)
Citizens Trust Bank	0.25%	$100,000	-	Learn More Add Review
Renasant Bank	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Ameris Bank	0.20%	$10,000	-	Learn More
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 Reviews (4)
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)
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 Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
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)
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)
Fifth Third Bank, National Association	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

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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Georgia 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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