Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across New York
Below are four-year CD Rates from banks in New York . 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.
NY - December 15, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$500 |
- |
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Rate History: 5.00% → 4.75% → 4.50% → 4.25% → 4.15% |
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adirondackgirl | Oct 29, 2018 I believe you must live in Utica or surrounding area to qualify for opening an account with them - I inquired a few years ago Read More |
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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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3.75% |
$1,000 |
- |
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Rate History: 4.52% → 4.27% → 3.91% → 3.85% → 3.75% |
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3.75% |
$500 |
- |
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James A. Elder | Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More |
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3.65% |
$1,000 |
- |
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Rate History: 3.80% → 3.70% → 3.65% |
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Dr. E. F. Ayers; e.f.ayers@outlook.com | Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More |
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3.61% |
$1,000 |
- |
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Rate History: 3.86% → 3.61% |
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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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3.50% |
$250 |
- |
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Rate History: 4.50% → 3.50% |
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3.50% |
$1,000 |
- |
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3.45% |
$500 |
- |
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Rate History: 4.10% → 4.20% → 3.80% → 3.65% → 3.45% |
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3.35% 0.35% |
$250,000 $1,000 |
- |
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% |
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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 |
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3.35% |
$100 |
- |
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Rate History: 4.00% → 3.75% → 3.85% → 3.75% → 3.35% |
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|
an | Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More |
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3.00% |
$0 |
- |
Learn More
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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3.00% |
$1,000 |
- |
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Rate History: 0.60% → 2.00% → 0.60% → 0.50% → 3.00% |
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Papa | Jul 31, 2020 Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More |
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3.00% |
$1,500 |
- |
Learn More
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Rate History: 2.00% → 3.00% |
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Ryan | Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More |
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3.00% |
$5,000 |
- |
Learn More
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.75% |
$500 |
- |
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Rate History: 1.60% → 2.75% |
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2.60% |
$1,000 |
- |
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Rate History: 2.85% → 2.60% |
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2.50% |
$500 |
- |
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Rate History: 2.50% → 2.00% → 2.50% → 2.00% → 2.50% |
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2.25% |
$500 |
- |
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Rate History: 1.50% → 2.25% |
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2.00% |
$0 |
- |
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Rate History: 2.00% → 3.00% → 2.00% |
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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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1.77% |
$1,000 |
- |
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1.75% |
$1,000 |
- |
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Rate History: 2.00% → 1.75% |
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Mandy | May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More |
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1.51% |
$10,000 |
- |
Learn More
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Rate History: 1.76% → 1.51% |
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1.50% |
$1,000 |
- |
Learn More
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Rate History: 2.50% → 1.50% |
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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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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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1.25% |
$500 |
- |
Learn More
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samcasino | Jan 30, 2021 Sterling hasn't offered a 1% rate for over a year. Best one can do now is .20%. The rates shown on this site are grossly outdated. Read More |
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1.21% |
$10,000 |
- |
Learn More
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1.20% |
$10,000 |
- |
Learn More
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1.10% |
$10,000 |
- |
Learn More
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Customer 12603 | Nov 26, 2018 This is a terrible bank. The employees are rude and do not care. The auto lender ratio is very high, which could affect their bottom number. Don’t use this bank, there are other stable banks in the area ... Read More |
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1.06% |
$2,500 |
- |
Learn More
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1.00% |
$1,000 |
- |
Learn More
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1.00% |
$500 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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pessy | May 22, 2023 The Bank Rondout Savings Bank is SCAM and bad company This is horrible bank , the loans insisted that I must come in the office before they will review my application for loan. But Everything is done onli... Read More |
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0.95% |
$10,000 |
- |
Learn More
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0.95% |
$10,000 |
- |
Learn More
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0.90% |
$10,000 |
- |
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0.85% |
$100,000 |
- |
Learn More
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0.85% |
$10,000 |
- |
Learn More
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0.85% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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0.80% |
$100,000 |
- |
Learn More
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0.75% |
$1,000 |
- |
Learn More
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0.75% |
$500 |
- |
Learn More
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Rate History: 0.65% → 0.67% → 0.69% → 0.75% |
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Zflash4000 | Oct 1, 2017 Will play games with your account. changing posting dates and times. Will hold direct deposit so you overdraft your account. Read More |
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$100,000 |
- |
Learn More
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0.75% |
$1,000 |
- |
Learn More
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0.70% |
$500 |
- |
Learn More
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0.70% |
$10,000 |
- |
Learn More
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0.70% |
$10,000 |
- |
Learn More
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0.70% |
$10,000 |
- |
Learn More
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MoonShadows Farm | Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More |
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0.70% |
$100,000 |
- |
Learn More
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0.65% |
$500 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.63% |
$10,000 |
- |
Learn More
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0.60% |
$100,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$1,000 |
- |
Learn More
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0.60% |
$100,000 |
- |
Learn More
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0.55% |
$500 |
- |
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% |
$1,000 |
- |
Learn More
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0.55% |
$10,000 |
- |
Learn More
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0.51% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$1,000 |
- |
Learn More
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Ed | Jan 5, 2018 BEWARE of their Home Equity Loan practices. Towards the end of the process, after you've complied with all their requests and are on the hook for lots of fees if you cancel, they demand that all of your cr... Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read 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% |
$500 |
- |
Learn More
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Delores Thompson, FD Investments - Rochester, NY | Aug 1, 2016 Currently looking for a list of non- performing loans on properties in the Western, New York area. Not sure where to obtain this information from Five Star, but if you would forward this request to the cor... Read More |
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0.50% |
$10,000 |
- |
Learn More
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Osvaldo | Apr 27, 2018 Best Rates and service in the area!!! Read More |
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0.50% |
$10,000 |
- |
Learn More
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william bridson | Apr 5, 2024 need to deposit loose change Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.45% |
$500 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.40% |
$50,000 |
- |
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$1,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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0.33% |
$1,000 |
- |
Learn More
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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 |
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0.30% |
$10,000 |
- |
Learn More
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Kimber0122 | Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More |
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0.28% |
$10,000 |
- |
Learn More
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0.25% |
$500 |
- |
Learn More
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0.25% |
$100,000 |
- |
Learn More
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0.25% |
$1,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
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0.20% |
$10,000 |
- |
Learn More
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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 |
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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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0.10% |
$1,000 |
- |
Learn More
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$500 |
- |
Learn More
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... 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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0.05% |
$100,000 |
- |
Learn More
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Kimber0122 | Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... 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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0.00% |
$10,000 |
- |
Learn 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.
Use or Change these Amounts And Rates