Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Maryland
Below are four-year CD Rates from banks in Maryland . 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.
MD - December 1, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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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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3.55% |
$0 |
- |
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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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3.25% |
$500 |
- |
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Rate History: 3.00% → 2.00% → 3.00% → 2.00% → 3.25% |
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wwchinski@verizon.net | Jul 11, 2018 cd rates Read More |
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3.00% |
$500 |
- |
Learn More
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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 |
- |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.50% |
$1,000 |
- |
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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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2.00% |
$0 |
- |
Learn More
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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% |
$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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1.90% |
$500 |
- |
Learn More
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Jimleestro | Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More |
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1.35% |
$1,000 |
- |
Learn More
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tedd | Jun 28, 2021 They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. 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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1.15% |
$10,000 |
- |
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1.11% |
$10,000 |
- |
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Savvysaver | Jul 24, 2021 Rate is incorrect. Read More |
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1.10% |
$10,000 |
- |
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Savvysaver | Jul 24, 2021 Rate is incorrect. Read More |
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1.05% |
$10,000 |
- |
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Savvysaver | Jul 24, 2021 $2000 minimum, 0.20% APY Read More |
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1.05% |
$10,000 |
- |
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1.01% |
$1,000 |
- |
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1.00% |
$1,000 |
- |
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1.00% |
$10,000 |
- |
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0.95% |
$1,000 |
- |
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0.95% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
Learn More
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C P hoult | Jun 16, 2022 Customer service Very Good. Always available Read More |
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0.85% |
$10,000 |
- |
Learn More
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0.75% |
$2,500 |
- |
Learn More
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schoolbus2017 | Nov 8, 2019 farmer Read More |
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0.75% |
$10,000 |
- |
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0.75% |
$100,000 |
- |
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0.70% |
$10,000 |
- |
Learn More
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Mark | Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More |
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0.70% |
$100,000 |
- |
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0.70% |
$100,000 |
- |
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0.65% |
$500 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
Learn More
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Edward Rote | Aug 6, 2019 Run Run very far away. Find an institution where the upper staff actually can add. It is run like a pawn shop and payday loan Read 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% |
$10,000 |
- |
Learn More
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0.55% |
$10,000 |
- |
Learn More
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0.50% |
$500 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.35% |
$10,000 |
- |
Learn More
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boon | Oct 11, 2017 special; 14 MO CD 1.20% Read More |
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0.35% 0.20% |
$100,000 $1,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn 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% |
$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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0.05% |
$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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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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