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Image Courtesy: pixabay.com
You are viewing rates from banks across Auburn
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.
Auburn, NY - November 15, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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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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2.75% |
$500 |
- |
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Rate History: 1.60% → 2.75% |
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2.00% |
$10,000 |
- |
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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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1.00% |
$10,000 |
20.98 |
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0.85% |
$100,000 |
16.77 |
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0.75% |
$1,000 |
16.77 |
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0.70% |
$10,000 |
21.92 |
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0.55% |
$10,000 |
12.63 |
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0.50% |
$500 |
- |
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0.50% |
$500 |
- |
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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 |
16.17 |
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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 |
17.04 |
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william bridson | Apr 5, 2024 need to deposit loose change Read More |
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0.50% |
$10,000 |
16.26 |
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0.40% |
$10,000 |
14.90 |
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0.35% |
$10,000 |
20.28 |
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0.25% |
$100,000 |
16.18 |
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0.25% |
$1,000 |
- |
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0.20% |
$10,000 |
16.18 |
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0.05% |
$2,500 |
- |
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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% |
$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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