Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Jersey City
Below are four-year CD Rates from banks in New Jersey . 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.
Jersey City, NJ - March 3, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.65% |
$1,000 |
- |
Learn More
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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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3.35% 0.35% |
$250,000 $1,000 |
- |
Learn More
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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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3.00% |
$500 |
- |
Learn More
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Rate History: 1.50% → 4.75% → 3.00% |
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Zman111 | Jun 26, 2022 ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. 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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2.00% |
$500 |
- |
Learn More
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Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 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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1.80% |
$500 |
10.99 |
Learn More
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Rate History: 1.80% → 0.65% → 1.80% |
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1.77% |
$1,000 |
- |
Learn More
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1.50% |
$500 |
- |
Learn More
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Rate History: 0.10% → 1.50% |
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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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0.90% |
$10,000 |
13.55 |
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0.90% |
$10,000 |
20.41 |
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CF | Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More |
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0.85% |
$10,000 |
10.38 |
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0.85% |
$10,000 |
18.23 |
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0.75% |
$10,000 |
21.62 |
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silly | Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More |
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0.75% |
$1,000 |
- |
Learn More
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0.60% |
$100,000 |
21.16 |
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0.55% |
$1,000 |
22.52 |
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0.55% |
$10,000 |
21.16 |
Learn More
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0.45% |
$1,000 |
- |
Learn More
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Rate History: 0.55% → 0.45% → 0.25% → 0.45% |
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Customer18 | Mar 26, 2021 Spencer Bank is by far, the ABSOLUTE WORST Banking institution there is. The Bank - and the Headquarters - display a host of shortcomings and clearly are the most substandard bank - dealing with numerou... Read More |
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0.42% |
$10,000 |
18.88 |
Learn More
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ngeeung | May 10, 2021 NVE Bank can change the amount of my deposit later days. Without my permission they can change and do whatever they like. On 4/17/2021 I deposit $ 9000.00. Two days later he call me asked me a questio... Read More |
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0.40% |
$50,000 |
- |
Learn More
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0.35% |
$1,000 |
- |
Learn More
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0.25% |
$10,000 |
13.22 |
Learn 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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