Best 4-Year CD Rates in Nebraska, NE

You are viewing rates from banks across Nebraska

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

NE - December 23, 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)
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)
Commercial State Bank	3.26%	$1,000	-	Learn More Add Review
Rate History: 3.25% → 3.50% → 3.26%
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	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
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)
Bank of Dixon County	1.56%	$10,000	-	Learn More Add Review
Citizens State Bank	1.51%	$10,000	-	Learn More Add Review
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)
Henderson State Bank	1.50%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank	1.41%	$500	-	Learn More Add Review
Security Bank	1.37%	$10,000	-	Learn More Add Review
Bank of the Valley	1.36%	$10,000	-	Learn More Add Review
Foundation One Bank	1.31%	$10,000	-	Learn More Add Review
Citizens State Bank	1.31%	$10,000	-	Learn More Add Review
Elkhorn Valley Bank & Trust	1.30%	$10,000	-	Learn More Add Review
Pinnacle Bank - Wyoming	1.26%	$10,000	-	Learn More Add Review
Brunswick State Bank	1.26%	$1,000	-	Learn More Add Review
Dundee Bank	1.25%	$500	-	Learn More Add Review
Bank of Orchard	1.25%	$100,000	-	Learn More Add Review
Western Nebraska Bank	1.21%	$10,000	-	Learn More Add Review
Bank of Hartington	1.21%	$10,000	-	Learn More Add Review
Home Federal Savings and Loan Association of Grand Island	1.20%	$10,000	-	Learn More Add Review
Tri Valley Bank	1.16%	$10,000	-	Learn More Add Review
Farmers State Bank	1.15%	$10,000	-	Learn More Add Review
Madison County Bank	1.15%	$10,000	-	Learn More Add Review
Homestead Bank	1.15%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Pinnacle Bank	1.15%	$10,000	-	Learn More Add Review
Scribner Bank	1.15%	$100,000	-	Learn More Add Review
Community First Bank	1.12%	$10,000	-	Learn More Add Review
Cedar Security Bank	1.11%	$1,000	-	Learn More Add Review
Pinnacle Bank	1.10%	$10,000	-	Learn More Add Review
Homestead Bank	1.10%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Columbus Bank and Trust Company	1.10%	$100,000	-	Learn More Add Review
Exchange Bank	1.10%	$10,000	-	Learn More Add Review
Adams County Bank	1.10%	$100,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
Countryside Bank	1.06%	$10,000	-	Learn More Add Review
Cedar Rapids State Bank	1.05%	$1,000	-	Learn More Add Review
Citizens Bank & Trust Company	1.05%	$1,000	-	Learn More Add Review
Bank of Elgin	1.05%	$10,000	-	Learn More Add Review
Cornerstone Bank	1.05%	$10,000	-	Learn More Add Review
Bank of Clarks	1.05%	$10,000	-	Learn More Add Review
Bank of Prague	1.05%	$10,000	-	Learn More Add Review
Bank of Bennington	1.05%	$10,000	-	Learn More Add Review
South Central State Bank	1.05%	$10,000	-	Learn More Add Review
Genoa Community Bank	1.00%	$500	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Bank of Orchard	1.00%	$10,000	-	Learn More Add Review
First State Bank	1.00%	$10,000	-	Learn More Add Review
Washington County Bank	1.00%	$10,000	-	Learn More Add Review
Lincoln FSB of Nebraska	1.00%	$10,000	-	Learn More Add Review
Pathway Bank	1.00%	$100,000	-	Learn More Add Review
Platte Valley Bank	1.00%	$10,000	-	Learn More Add Review
First Bank and Trust of Fullerton	1.00%	$10,000	-	Learn More Add Review
Homestead Bank	1.00%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
FirstBank of Nebraska	1.00%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc.	1.00%	$10,000	-	Learn More Add Review
First State Bank	1.00%	$10,000	-	Learn More Add Review
Five Points Bank	1.00%	$10,000	-	Learn More Add Review
City Bank & Trust Co.	1.00%	$100,000	-	Learn More Add Review
Nebraska Bank of Commerce	1.00%	$10,000	-	Learn More Add Review
State Bank of Table Rock	1.00%	$10,000	-	Learn More Add Review
Minden Exchange Bank & Trust Company	1.00%	$500	-	Learn More Add Review
Adams County Bank	1.00%	$10,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
The Bank of Steinauer	1.00%	$10,000	-	Learn More Add Review
Town & Country Bank	0.95%	$100,000	-	Learn More Add Review
Homestead Bank	0.95%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
First State Bank Nebraska	0.95%	$10,000	-	Learn More Add Review
JONES BANK	0.95%	$10,000	-	Learn More Add Review
Enterprise Bank	0.95%	$10,000	-	Learn More Add Review
Cattle Bank and Trust	0.95%	$10,000	-	Learn More Add Review
First Bank of Utica	0.95%	$10,000	-	Learn More Add Review
Cornhusker Bank	0.95%	$10,000	-	Learn More Add Review
City Bank & Trust Co.	0.95%	$10,000	-	Learn More Add Review
Commercial Bank	0.95%	$10,000	-	Learn More Add Review
Nebraska State Bank	0.90%	$100,000	-	Learn More Add Review
The Hershey State Bank	0.90%	$100,000	-	Learn More Add Review
Custer Federal State Bank	0.90%	$10,000	-	Learn More Add Review
First National Bank in Ord	0.90%	$100,000	-	Learn More Add Review
The Potter State Bank of Potter	0.90%	$10,000	-	Learn More Add Review
FirsTier Bank	0.90%	$10,000	-	Learn More Add Review
Scribner Bank	0.90%	$10,000	-	Learn More Add Review
Wahoo State Bank	0.90%	$10,000	-	Learn More Add Review
American Exchange Bank	0.90%	$10,000	-	Learn More Add Review
MNB BANK	0.90%	$10,000	-	Learn More Add Review
First State Bank	0.90%	$100,000	-	Learn More Add Review
West Plains Bank	0.85%	$100,000	-	Learn More Add Review
First Nebraska Bank	0.85%	$10,000	-	Learn More Add Review
The Hershey State Bank	0.85%	$10,000	-	Learn More Add Review
Town & Country Bank	0.85%	$10,000	-	Learn More Add Review
Platte Valley Bank	0.85%	$10,000	-	Learn More Add Review
United Republic Bank	0.85%	$10,000	-	Learn More Add Review
Western National Bank	0.85%	$10,000	-	Learn More Add Review
Great Plains State Bank	0.80%	$10,000	-	Learn More Add Review
Nebraska State Bank	0.80%	$10,000	-	Learn More Add Review
Pathway Bank	0.80%	$10,000	-	Learn More Add Review
Heartland Bank	0.80%	$100,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
Columbus Bank and Trust Company	0.80%	$10,000	-	Learn More Add Review
Access Bank	0.80%	$10,000	-	Learn More
Yusuf oluwashindara \| Sep 23, 2019 Access not. A good bank...whenever you save money to it their won't be any issue or problem but if you try to withdraw your money they will be telling you that you need to authorize.... Read More Reviews (1)
First Savings Bank	0.80%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
First State Bank	0.80%	$10,000	-	Learn More Add Review
F&M Bank	0.80%	$100,000	-	Learn More Add Review
West Plains Bank	0.75%	$10,000	-	Learn More Add Review
CHARTER WEST BANK	0.75%	$10,000	-	Learn More Add Review
Bruning Bank	0.75%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.75%	$10,000	-	Learn More Add Review
First National Bank in Ord	0.75%	$10,000	-	Learn More Add Review
Heartland Bank	0.75%	$10,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
Pinnacle Bank	0.75%	$10,000	-	Learn More Add Review
West Gate Bank	0.75%	$10,000	-	Learn More Add Review
Stockmens Bank	0.75%	$10,000	-	Learn More Add Review
Tecumseh Federal Bank	0.75%	$10,000	-	Learn More Add Review
Sandhills State Bank	0.70%	$500	-	Learn More Add Review
First Community Bank	0.70%	$10,000	-	Learn More Add Review
F&M Bank	0.70%	$100,000	-	Learn More Add Review
First Northeast Bank of Nebraska	0.70%	$10,000	-	Learn More Add Review
York State Bank	0.70%	$100,000	-	Learn More Add Review
Waypoint Bank	0.65%	$10,000	-	Learn More Add Review
Midwest Bank National Association	0.60%	$100,000	-	Learn More Add Review
Great Southern Bank	0.60%	$250	-	Learn More Add Review
Pinnacle Bank	0.60%	$10,000	-	Learn More Add Review
NebraskaLand National Bank	0.60%	$100,000	-	Learn More Add Review
York State Bank	0.60%	$10,000	-	Learn More Add Review
F&M Bank	0.60%	$10,000	-	Learn More Add Review
Arbor Bank	0.57%	$10,000	-	Learn More Add Review
Five Points Bank of Hastings	0.55%	$500	-	Learn More
Marie50 \| Feb 19, 2023 Does five point bank of Hastings cash a check through atm Read More Reviews (1)
Thayer County Bank	0.55%	$100,000	-	Learn More Add Review
Midwest Bank National Association	0.50%	$10,000	-	Learn More Add Review
F&M Bank	0.50%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company	0.50%	$10,000	-	Learn More Add Review
Sidney Federal Savings and Loan Association	0.50%	$10,000	-	Learn More Add Review
First State Bank & Trust Company	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.50%	$10,000	-	Learn More Add Review
Thayer County Bank	0.45%	$10,000	-	Learn More Add Review
Astra Bank	0.40%	$500	-	Learn More Add Review
NebraskaLand National Bank	0.40%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.30%	$500	-	Learn More Add Review
Northwest Bank	0.30%	$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)
Central National Bank	0.27%	$50,000	-	Learn More Add Review
Pinnacle Bank	0.25%	$10,000	-	Learn More Add Review
Heritage Bank	0.20%	$10,000	-	Learn More Add Review
Central National Bank	0.17%	$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)
First National Bank of Omaha	0.12%	$500	-	Learn More Add Review
Frontier Bank	0.10%	$500	-	Learn More Add Review
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.

SAVINGS & CD CALCULATOR

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Nebraska 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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