Best 4-Year CD Rates in Kentucky, KY

You are viewing rates from banks across Kentucky

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

KY - December 12, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
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)
American Bank & Trust Company, Inc.	3.75%	$1,000	-	Learn More Add Review
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)
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)
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)
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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)
Taylor County Bank	1.35%	$500	-	Learn More Add Review
Citizens Bank & Trust Company	1.35%	$10,000	-	Learn More Add Review
First State 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)
Forcht Bank, National Association	1.26%	$10,000	-	Learn More Add Review
Bank of Clarkson	1.26%	$10,000	-	Learn More Add Review
West Point Bank	1.26%	$10,000	-	Learn More Add Review
Bank of Jamestown	1.26%	$10,000	-	Learn More
houston0800 \| Sep 14, 2020 Jamestown KY Read More Reviews (17)
Eclipse Bank, Inc.	1.25%	$10,000	-	Learn More Add Review
Citizens Federal Savings and Loan Association	1.25%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Kentucky	1.25%	$10,000	-	Learn More
CD Dreamer \| Aug 17, 2015 I can only dream about CD rates returning to these levels like the 1970's. Read More Reviews (6)
The First National Bank of Russell Springs	1.25%	$10,000	-	Learn More Add Review
River City Bank, Inc.	1.21%	$10,000	-	Learn More
BBN \| Aug 28, 2021 The posted rates for River City Bank are not accurate. I have inquired at the bank more than once. Read More Reviews (2)
Bank of Hindman	1.21%	$10,000	-	Learn More Add Review
The Sacramento Deposit Bank	1.20%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association	1.16%	$10,000	-	Learn More Add Review
Bank of Edmonson County	1.15%	$100,000	-	Learn More Add Review
The Cecilian Bank	1.15%	$1,000	-	Learn More
Machjen \| Oct 10, 2023 Horrible. Turned me into collections for a paid off loan that was never late then tried to blame me for paying it online...i actually verified at the drive threw that it was paid in full...also held a lar... Read More Reviews (1)
Meade County Bank	1.15%	$10,000	-	Learn More Add Review
United Citizens Bank of Southern Kentucky	1.15%	$10,000	-	Learn More Add Review
The First National Bank of Manchester	1.10%	$100,000	-	Learn More Add Review
Springfield State Bank	1.01%	$500	-	Learn More Add Review
The Farmers National Bank of Lebanon	1.00%	$500	-	Learn More Add Review
United Community Bank of West Kentucky, Inc.	1.00%	$10,000	-	Learn More
Norval Baird \| Apr 15, 2020 There is room for improvement in any business. And UCB Is at top of list for lack of need for improvement . They have always been at their best in terms of overall management, firm loan management, fr... Read More Reviews (1)
South Central Bank, Inc.	1.00%	$10,000	-	Learn More Add Review
Bank of Edmonson County	1.00%	$10,000	-	Learn More Add Review
Home Savings Bank, FSB	1.00%	$10,000	-	Learn More Add Review
Peoples Bank	1.00%	$500	-	Learn More Add Review
The First National Bank of Manchester	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Clinton Bank	0.98%	$10,000	-	Learn More Add Review
Heritage Bank, Inc.	0.95%	$500	-	Learn More Add Review
Magnolia Bank	0.95%	$500	-	Learn More
fartoomany \| Sep 20, 2019 100 day cd 2.85% Read More Reviews (1)
The Sacramento Deposit Bank	0.95%	$10,000	-	Learn More Add Review
Franklin Bank & Trust Company	0.95%	$100,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville	0.95%	$100,000	-	Learn More Add Review
Bank of Buffalo	0.95%	$10,000	-	Learn More Add Review
Farmers State Bank	0.90%	$5,000	-	Learn More Add Review
Lewisburg Banking Company	0.90%	$1,000	-	Learn More
kateast \| Jun 7, 2018 Friendly people; good place to do business. Read More Reviews (1)
Franklin Bank & Trust Company	0.90%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.90%	$10,000	-	Learn More Add Review
Town & Country Bank and Trust Company	0.90%	$10,000	-	Learn More Add Review
Guardian Savings Bank, A Federal Savings Bank	0.90%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Citizens Bank of Kentucky, Inc.	0.90%	$10,000	-	Learn More Add Review
Farmers & Traders Bank of Campton	0.90%	$10,000	-	Learn More Add Review
Field & Main Bank	0.85%	$10,000	-	Learn More Add Review
Commonwealth Community Bank, Inc.	0.85%	$10,000	-	Learn More Add Review
Kentucky Farmers Bank Corporation	0.85%	$10,000	-	Learn More Add Review
First & Farmers National Bank, Inc.	0.85%	$10,000	-	Learn More Add Review
First Kentucky Bank, Inc.	0.80%	$100,000	-	Learn More Add Review
Auburn Banking Company	0.80%	$10,000	-	Learn More Add Review
The Lincoln National Bank of Hodgenville	0.80%	$10,000	-	Learn More Add Review
Whitaker Bank	0.80%	$10,000	-	Learn More
z h \| Nov 18, 2020 I had a charge that wasn't authorized, and they told me there is nothing they can do about it because in the past it was authorized. Are you serious? So if someone takes your card and goes to Walmart.com a... Read More Reviews (2)
The Commercial Bank of Grayson	0.80%	$10,000	-	Learn More Add Review
Citizens Bank	0.80%	$10,000	-	Learn More Add Review
Citizens Guaranty Bank	0.80%	$10,000	-	Learn More Add Review
Jackson County Bank	0.80%	$10,000	-	Learn More Add Review
Commercial Bank	0.77%	$500	-	Learn More Add Review
United Cumberland Bank	0.76%	$10,000	-	Learn More Add Review
The Murray Bank	0.75%	$1,000	-	Learn More Add Review
First Federal Savings and Loan Association	0.75%	$500	-	Learn More Add Review
Independence Bank of Kentucky	0.75%	$10,000	-	Learn More
Pearl Girl GA \| Mar 30, 2023 Independence Bank 1776 Owensboro has been our partner for more than 20 years. We moved have lived in several states for work and we always got great service. One of the most outstanding feats of service o... Read More Reviews (1)
South Central Bank, Inc.	0.75%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company	0.75%	$100,000	-	Learn More Add Review
The First National Bank of Grayson	0.75%	$100,000	-	Learn More Add Review
Bank of Columbia	0.75%	$10,000	-	Learn More Add Review
Hometown Bank of Corbin, Inc.	0.75%	$10,000	-	Learn More Add Review
Hyden Citizens Bank	0.75%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Company of Hazard	0.75%	$10,000	-	Learn More
Jc \| Aug 5, 2021 This bank is terrible never allow them to keep your money Read More Reviews (1)
The Farmers Bank	0.70%	$500	-	Learn More Add Review
Bank of Cadiz and Trust Company	0.70%	$10,000	-	Learn More Add Review
First United Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton	0.70%	$100,000	-	Learn More Add Review
FIRST NATIONAL BANK OF KENTUCKY	0.70%	$1,000	-	Learn More Add Review
Bedford Loan & Deposit Bank	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Brooksville	0.70%	$10,000	-	Learn More Add Review
First & Peoples Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Grayson	0.70%	$10,000	-	Learn More Add Review
Peoples Exchange Bank	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Williamson	0.70%	$100,000	-	Learn More Add Review
First Harrison Bank	0.65%	$2,500	-	Learn More
vernon Wayne Coats \| Sep 26, 2015 Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More Reviews (1)
FirstBank	0.65%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.65%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company	0.65%	$500	-	Learn More Add Review
The Farmers Bank of Milton	0.65%	$500	-	Learn More Add Review
PBK BANK, INC.	0.65%	$10,000	-	Learn More Add Review
Cumberland Valley National Bank & Trust Company	0.64%	$10,000	-	Learn More Add Review
First Financial Bank, National Association	0.60%	$10,000	-	Learn More Add Review
United Southern Bank	0.60%	$10,000	-	Learn More Add Review
Morgantown Bank & Trust Company, Incorporated	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)
The First National Bank of Williamson	0.60%	$10,000	-	Learn More Add Review
Fredonia Valley Bank	0.55%	$10,000	-	Learn More Add Review
South Central Bank, Inc.	0.55%	$10,000	-	Learn More Add Review
Central Bank & Trust Company	0.55%	$10,000	-	Learn More
Pbar \| Mar 11, 2023 Best Bank in Lexington. FDIC insured but not ruled by the Fed. Read More Reviews (2)
Bank of the Bluegrass and Trust Company	0.55%	$500	-	Learn More Add Review
First Community Bank of the Heartland, Inc.	0.52%	$500	-	Learn More Add Review
Planters Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
The Peoples Bank	0.50%	$10,000	-	Learn More Add Review
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Bank of Maysville	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
The Farmers National Bank of Danville	0.50%	$10,000	-	Learn More Add Review
The Casey County Bank, Inc.	0.50%	$10,000	-	Learn More Add Review
Bank of Lexington, Inc.	0.50%	$10,000	-	Learn More Add Review
The Monticello Banking Company	0.45%	$500	-	Learn More
Marty Clark \| May 31, 2024 This bank tells you one thing and does another, my experience with them was awful, my account stayed gomed up you could deposit money on Friday and it might not be there showing till Tuesday or later,I'v... Read More Reviews (1)
The Paducah Bank and Trust Company	0.45%	$5,000	-	Learn More Add Review
First Southern National Bank	0.45%	$10,000	-	Learn More Add Review
FNB Bank, Inc.	0.40%	$1,000	-	Learn More Add Review
Veritex Community Bank	0.40%	$10,000	-	Learn More Add Review
Old National Bank	0.35%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
Traditional Bank, Inc.	0.35%	$10,000	-	Learn More Add Review
The Citizens National Bank of Lebanon	0.35%	$10,000	-	Learn More Add Review
Sebree Deposit Bank	0.30%	$500	-	Learn More Add Review
First Financial Bank	0.30%	$10,000	-	Learn More Add Review
The Peoples Bank	0.30%	$10,000	-	Learn More Add Review
Farmers Bank and Trust Company	0.29%	$500	-	Learn More Add Review
First Kentucky Bank, Inc.	0.25%	$10,000	-	Learn More Add Review
Wilson & Muir Bank & Trust Company	0.25%	$10,000	-	Learn More Add Review
Cumberland Security Bank, Inc.	0.25%	$10,000	-	Learn More Add Review
Banterra Bank	0.20%	$10,000	-	Learn More Add Review
Security Bank and Trust Co.	0.20%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Co. of Jackson	0.20%	$10,000	-	Learn More Add Review
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)
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.

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Kentucky 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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