Best 4-Year CD Rates in Missouri, MO

You are viewing rates from banks across Missouri

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

MO - November 24, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
First Bank of the Lake	4.05%	$5,000	-	Learn More
Rate History: 3.50% → 4.00% → 4.15% → 4.05%
Richard \| Jun 10, 2021 I bank at this bank and they have the best people working there They all have a lot of knowledge and most all have been there a long time they do a great job and have the highest CD rates around Read More Reviews (4)
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)
State Bank	3.50%	$1,000	-	Learn More Add Review
Rate History: 2.52% → 3.30% → 3.25% → 3.15% → 3.50%
First Federal Bank of Kansas City	3.50%	$1,000	-	Learn More Add Review
Rate History: 2.02% → 3.50%
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)
FCB Banks	3.00%	$1,000	-	Learn More
Rate History: 2.75% → 3.00%
RS \| Feb 2, 2021 This bank's site shows the 15 mo rate at .45% Read More Reviews (1)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Phelps County Bank	2.78%	$1,000	-	Learn More
Rate History: 1.26% → 2.52% → 2.78%
Theresa \| Jun 25, 2019 can I cash my Progressive Insurance claim check Read More Reviews (1)
Capitol Federal Savings Bank	2.75%	$1,000	-	Learn More
Rate History: 3.50% → 2.75%
JtAlmond \| Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More Reviews (1)
Paramount Bank	2.55%	$1,000	-	Learn More
Rate History: 2.55% → 1.70% → 2.55%
Old Man Bob \| Apr 20, 2023 This is a true blue community bank. When you call you get people that are able to take action and make decisions. Customer service is number 1. Works great for CDs. They have a nice stand alone buildin... Read More Reviews (5)
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)
Security Bank of Kansas City	2.02%	$500	-	Learn More
Rate History: 1.26% → 2.02%
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... 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)
BOKF, National Association	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Bank of Odessa	1.51%	$1,000	-	Learn More Add Review
Springfield First Community Bank	1.51%	$10,000	-	Learn More Add Review
Alton Bank	1.51%	$100,000	-	Learn More Add Review
Systematic Savings Bank	1.43%	$10,000	-	Learn More Add Review
United Community Bank	1.41%	$100,000	-	Learn More Add Review
St. Clair County State Bank	1.40%	$10,000	-	Learn More Add Review
Kahoka State Bank	1.36%	$10,000	-	Learn More Add Review
BMO Bank National Association	1.35%	$1,000	-	Learn More
Rate History: 0.15% → 1.35% → 4.00% → 1.35%
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 Reviews (9)
Bank of Monticello	1.35%	$100,000	-	Learn More Add Review
Citizens Bank	1.31%	$500	-	Learn More Add Review
Montrose Savings Bank	1.31%	$500	-	Learn More Add Review
Commercial Trust Company of Fayette	1.30%	$100,000	-	Learn More Add Review
Community First Bank	1.30%	$10,000	-	Learn More Add Review
Putnam County State Bank	1.26%	$100,000	-	Learn More Add Review
Country Club Bank	1.26%	$50,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
Adrian Bank	1.26%	$10,000	-	Learn More Add Review
Commercial Bank	1.26%	$10,000	-	Learn More Add Review
Bloomsdale Bank	1.26%	$100,000	-	Learn More Add Review
Alton Bank	1.26%	$10,000	-	Learn More Add Review
Great American Bank	1.25%	$1,000	-	Learn More Add Review
State Bank of Missouri	1.25%	$500	-	Learn More Add Review
Northeast Missouri State Bank	1.25%	$10,000	-	Learn More Add Review
Community State Bank	1.25%	$100,000	-	Learn More Add Review
The Bank of Grain Valley	1.25%	$10,000	-	Learn More Add Review
FMB Bank	1.25%	$10,000	-	Learn More Add Review
O'Bannon Banking Company	1.21%	$1,000	-	Learn More
Jay \| Dec 8, 2016 Not a handicap friendly bank at main office. Customers must walk long distance to reach teller windows far from entrance. CD rates could be improved. Putman County Bank has 1 percent better on larger... Read More Reviews (1)
Exchange Bank of Northeast Missouri	1.21%	$500	-	Learn More Add Review
Country Club Bank	1.21%	$10,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
Silex Banking Company	1.21%	$10,000	-	Learn More Add Review
Sterling Bank	1.20%	$10,000	-	Learn More
Al \| Sep 26, 2016 I think the specials have ended. can you double check? Read More Reviews (1)
MRV Banks	1.20%	$10,000	-	Learn More Add Review
Independent Farmers Bank	1.16%	$10,000	-	Learn More Add Review
Bloomsdale Bank	1.16%	$10,000	-	Learn More Add Review
BTC Bank	1.15%	$10,000	-	Learn More Add Review
Bank of Monticello	1.15%	$10,000	-	Learn More Add Review
Peoples Bank of Wyaconda, Missouri	1.15%	$10,000	-	Learn More Add Review
Commercial Trust Company of Fayette	1.15%	$10,000	-	Learn More Add Review
American Bank of Missouri	1.15%	$10,000	-	Learn More
Gloria Bossman \| Aug 14, 2020 At your Rock Hill location, I feel you are not committed to the safety of your customers as you say on your web site. Why aren't your employees wearing masks? Why do they let patrons enter without a mask... Read More Reviews (1)
Bank Star	1.15%	$10,000	-	Learn More Add Review
St. Louis Bank	1.15%	$100,000	-	Learn More Add Review
People's Bank of Seneca	1.15%	$10,000	-	Learn More Add Review
Freedom Bank of Southern Missouri	1.15%	$10,000	-	Learn More Add Review
Citizens Bank of Newburg	1.13%	$10,000	-	Learn More Add Review
Bank of Crocker	1.11%	$2,500	-	Learn More Add Review
Putnam County State Bank	1.11%	$10,000	-	Learn More Add Review
F&M Bank and Trust Company	1.11%	$10,000	-	Learn More Add Review
Citizens' Bank of Charleston	1.10%	$100,000	-	Learn More Add Review
Farmers Bank of Northern Missouri	1.10%	$10,000	-	Learn More Add Review
Oakstar Bank	1.10%	$10,000	-	Learn More
J D \| Jun 12, 2024 I entrusted my Life Savings to this bank and they closed my accounts because I asked an honest question about an overcharge I noticed in my statement records. I mistakenly believed I could ask a simple ... Read More Reviews (1)
Farmers State Bank, S/B	1.10%	$10,000	-	Learn More Add Review
Pinnacle Bank	1.10%	$500	-	Learn More Add Review
Security Bank of the Ozarks	1.10%	$10,000	-	Learn More Add Review
Alliant Bank	1.07%	$500	-	Learn More Add Review
Bank of Springfield	1.06%	$10,000	-	Learn More Add Review
Community State Bank of Missouri	1.05%	$500	-	Learn More Add Review
Macon-Atlanta State Bank	1.05%	$10,000	-	Learn More Add Review
United Community Bank	1.05%	$10,000	-	Learn More Add Review
Blue Ridge Bank and Trust Co.	1.05%	$10,000	-	Learn More
Rustam \| Jul 23, 2022 Is American Trust Letter this bank's service platform or scammers' website? I was charged by first 150 USD, then 10% to withdraw money there. Website is www.americantrustletter.com Read More Reviews (1)
St. Louis Bank	1.05%	$10,000	-	Learn More Add Review
Bank of Salem	1.05%	$100,000	-	Learn More Add Review
Century Bank of the Ozarks	1.01%	$1,000	-	Learn More Add Review
Heritage Community Bank	1.01%	$1,000	-	Learn More Add Review
Peoples Savings Bank of Rhineland	1.01%	$1,000	-	Learn More Add Review
First State Bank of Purdy	1.00%	$10,000	-	Learn More Add Review
Citizens' Bank of Charleston	1.00%	$1,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Wells Bank	1.00%	$10,000	-	Learn More Add Review
Community State Bank	1.00%	$10,000	-	Learn More Add Review
Tri-County Trust Company	1.00%	$10,000	-	Learn More Add Review
The Bank of Old Monroe	1.00%	$10,000	-	Learn More Add Review
Peoples Bank & Trust Co.	1.00%	$10,000	-	Learn More Add Review
America's Community Bank	1.00%	$10,000	-	Learn More Add Review
Community Bank of Marshall	1.00%	$10,000	-	Learn More Add Review
The Bank of Advance	1.00%	$10,000	-	Learn More Add Review
Bank of Franklin County	1.00%	$10,000	-	Learn More Add Review
The Citizens-Farmers Bank of Cole Camp	1.00%	$10,000	-	Learn More Add Review
Parkside Financial Bank & Trust	1.00%	$100,000	-	Learn More Add Review
Peoples National Bank , N.A.	1.00%	$100,000	-	Learn More Add Review
Southern Bank	1.00%	$100,000	-	Learn More Add Review
Southwest Missouri Bank	1.00%	$10,000	-	Learn More Add Review
Peoples Community Bank	1.00%	$10,000	-	Learn More Add Review
HomePride Bank	1.00%	$500	-	Learn More Add Review
Chester National Bank	1.00%	$10,000	-	Learn More
Felix \| Oct 10, 2023 I had a good experience with the online bank and the customer support is excellent Read More Reviews (1)
Branson Bank	1.00%	$10,000	-	Learn More Add Review
Senath State Bank	1.00%	$10,000	-	Learn More Add Review
The Callaway Bank	0.99%	$100,000	-	Learn More Add Review
Carroll County Trust Company of Carrollton, Missouri	0.95%	$500	-	Learn More Add Review
Bank 21	0.95%	$10,000	-	Learn More Add Review
The Maries County Bank	0.95%	$10,000	-	Learn More Add Review
Community National Bank & Trust	0.95%	$1,000	-	Learn More Add Review
The Corner Stone Bank	0.95%	$10,000	-	Learn More Add Review
Bank of Salem	0.95%	$1,000	-	Learn More Add Review
Peoples National Bank , N.A.	0.91%	$10,000	-	Learn More Add Review
First Mid Bank & Trust, National Association	0.90%	$1,000	-	Learn More Add Review
Community Bank of Missouri	0.90%	$10,000	-	Learn More Add Review
Regional Missouri Bank	0.90%	$100,000	-	Learn More Add Review
The Bank of Orrick	0.90%	$10,000	-	Learn More
bankalchemist \| May 29, 2018 First this is a centurion bank. It’s done something right for over 100 yrs. Through the Great Depression & Recent Recessions which says a lot. They stick to what they know and do best Ag lending. They ar... Read More Reviews (1)
Citizens Community Bank	0.90%	$10,000	-	Learn More Add Review
1st Advantage Bank	0.90%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank of St. Clair	0.90%	$10,000	-	Learn More Add Review
Triad Bank	0.90%	$10,000	-	Learn More Add Review
Southern Bank	0.90%	$10,000	-	Learn More Add Review
Regent Bank	0.90%	$10,000	-	Learn More
Jw \| Jun 27, 2022 It took 4 times contacting this back to get a simple stop payment done. It end up costing over $100 because of their inability to take care of it after the first contact. Read More Reviews (1)
Community First Banking Company	0.90%	$1,000	-	Learn More Add Review
Table Rock Community Bank	0.90%	$10,000	-	Learn More Add Review
The Callaway Bank	0.89%	$10,000	-	Learn More Add Review
The Nodaway Valley Bank	0.85%	$500	-	Learn More Add Review
Bank of Weston	0.85%	$1	-	Learn More Add Review
Citizens Bank & Trust	0.85%	$100,000	-	Learn More Add Review
First Security Bank	0.85%	$10,000	-	Learn More Add Review
The Missouri Bank	0.85%	$10,000	-	Learn More Add Review
First State Bank of St. Charles, Missouri	0.85%	$10,000	-	Learn More Add Review
Midland States Bank	0.85%	$10,000	-	Learn More
Mikki9678 \| Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More Reviews (2)
Sherwood Community Bank	0.85%	$10,000	-	Learn More Add Review
Town & Country Bank	0.85%	$10,000	-	Learn More Add Review
The Seymour Bank	0.85%	$10,000	-	Learn More Add Review
Ozark Bank	0.85%	$10,000	-	Learn More Add Review
First Missouri State Bank	0.85%	$10,000	-	Learn More Add Review
HNB National Bank	0.80%	$10,000	-	Learn More
Richard \| Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More Reviews (1)
HomeBank	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)
United Security Bank	0.80%	$10,000	-	Learn More Add Review
NEW FRONTIER BANK	0.80%	$10,000	-	Learn More Add Review
Community Point Bank	0.80%	$10,000	-	Learn More Add Review
United Bank of Union	0.80%	$10,000	-	Learn More Add Review
Stifel Bank	0.80%	$10,000	-	Learn More Add Review
First Midwest Bank of Poplar Bluff	0.80%	$10,000	-	Learn More Add Review
Lamar Bank and Trust Company	0.79%	$10,000	-	Learn More Add Review
Bank of Brookfield - Purdin, National Association	0.75%	$500	-	Learn More Add Review
Pony Express Bank	0.75%	$10,000	-	Learn More Add Review
Regional Missouri Bank	0.75%	$10,000	-	Learn More Add Review
First Missouri Bank	0.75%	$10,000	-	Learn More Add Review
Bank of New Cambria	0.75%	$10,000	-	Learn More Add Review
Ozarks Federal Savings and Loan Association	0.75%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.75%	$10,000	-	Learn More Add Review
Lead Bank	0.75%	$10,000	-	Learn More Add Review
Enterprise Bank & Trust	0.75%	$10,000	-	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)
Wood & Huston Bank	0.75%	$1,000	-	Learn More Add Review
Parkside Financial Bank & Trust	0.75%	$10,000	-	Learn More Add Review
Bank of New Madrid	0.75%	$10,000	-	Learn More Add Review
The Bank of Missouri	0.71%	$10,000	-	Learn More Add Review
Farmers Bank of Lohman, Missouri	0.70%	$500	-	Learn More Add Review
Citizens Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Goppert Financial Bank	0.70%	$10,000	-	Learn More Add Review
First Midwest Bank of Poplar Bluff	0.70%	$10,000	-	Learn More Add Review
Community Bank of El Dorado Springs	0.70%	$10,000	-	Learn More Add Review
Omb Bank	0.70%	$1,000	-	Learn More Add Review
First Missouri Bank of SEMO	0.70%	$10,000	-	Learn More Add Review
F & C Bank	0.65%	$50,000	-	Learn More Add Review
Investors Community Bank	0.65%	$10,000	-	Learn More Add Review
NBH Bank	0.65%	$10,000	-	Learn More Add Review
First Missouri Bank	0.65%	$10,000	-	Learn More Add Review
The Tipton Latham Bank, National Association	0.65%	$10,000	-	Learn More Add Review
Mid America Bank	0.65%	$10,000	-	Learn More Add Review
First Community Bank	0.65%	$10,000	-	Learn More Add Review
First Community National Bank	0.61%	$10,000	-	Learn More Add Review
The Union State Bank of Everest	0.60%	$1,000	-	Learn More Add Review
Peoples Bank of Moniteau County	0.60%	$500	-	Learn More Add Review
HNB National Bank	0.60%	$10,000	-	Learn More
Richard \| Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More Reviews (1)
United State Bank	0.60%	$10,000	-	Learn More Add Review
Kearney Trust Company	0.60%	$10,000	-	Learn More Add Review
Great Southern Bank	0.60%	$250	-	Learn More Add Review
Metz Banking Company	0.60%	$1,000	-	Learn More Add Review
Mid-Missouri Bank	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)
First Midwest Bank of Dexter	0.60%	$10,000	-	Learn More Add Review
F & C Bank	0.55%	$2,500	-	Learn More Add Review
The Central Trust Bank	0.55%	$100,000	-	Learn More Add Review
Midwest BankCentre	0.55%	$10,000	-	Learn More
Pdrake12 \| Jul 6, 2021 The staff at Midwest BankCentre is exceptional at making you feel like you belong to an institution much higher than simply a place to keep your money and bank. They really focus on making you feel like f... Read More Reviews (2)
The Central Trust Bank	0.50%	$1,000	-	Learn More Add Review
NBKC Bank	0.50%	$1	-	Learn More Add Review
County Bank	0.50%	$10,000	-	Learn More Add Review
TPNB Bank	0.50%	$10,000	-	Learn More Add Review
SULLIVAN BANK	0.50%	$1,000	-	Learn More Add Review
Legends Bank	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)
The First National Bank of Nevada, Missouri	0.50%	$10,000	-	Learn More Add Review
First Midwest Bank of Dexter	0.50%	$10,000	-	Learn More Add Review
Peoples Bank	0.49%	$100,000	-	Learn More Add Review
Clay County Savings Bank	0.46%	$100,000	-	Learn More Add Review
First Bank	0.45%	$1,000	-	Learn More Add Review
Carrollton Bank	0.45%	$10,000	-	Learn More Add Review
Legacy Bank & Trust Company	0.45%	$10,000	-	Learn More Add Review
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)
Midwest Regional Bank	0.45%	$1,000	-	Learn More
Hey Man wildwood \| Aug 31, 2018 Awesome bank...great rates, no on line access only paper quarterly statements Read More Reviews (1)
Kennett Trust Bank	0.45%	$10,000	-	Learn More Add Review
Hawthorn Bank	0.40%	$10,000	-	Learn More
mike \| Apr 5, 2023 horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... Read More Reviews (3)
The Bank of Versailles	0.40%	$10,000	-	Learn More Add Review
Clay County Savings Bank	0.36%	$10,000	-	Learn More Add Review
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)
County Bank	0.30%	$10,000	-	Learn More Add Review
Peoples Bank	0.30%	$10,000	-	Learn More Add Review
Equity Bank	0.25%	$1,000	-	Learn More Add Review
Commerce Bank	0.25%	$10,000	-	Learn More Add Review
Banterra Bank	0.20%	$10,000	-	Learn More Add Review
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)
Hawthorn Bank	0.15%	$10,000	-	Learn More
mike \| Apr 5, 2023 horrid bank with incompetent and rude staff that treat you like a problem for wanting to do banking business. As if doing there job in a problem you caused instead of a customer to be served. closed my acc... Read More Reviews (3)
Cass Commercial Bank	0.15%	$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)
Community Bank of Raymore	0.10%	$500	-	Learn More Add Review
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)

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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