Best 4-Year CD Rates in Ohio, OH

You are viewing rates from banks across Ohio

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

OH - December 21, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
First Federal Savings and Loan Association of Lakewood	4.25%	$500	-	Learn More
Rate History: 4.47% → 4.25%
Pam \| Jan 21, 2020 The people there are very friendly and helpful. They have good rates most of the time. Read More Reviews (2)
Beal Bank	3.80%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80%
Farmers & Merchants Bank	3.80%	$1,000	-	Learn More Add Review
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)
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)
S&T Bank	3.00%	$500	-	Learn More
Haja@gmail.com \| May 15, 2020 Sucks don’t ever get with this bank Read More Reviews (1)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
The Farmers National Bank of Canfield	2.50%	$500	-	Learn More Add Review
Rate History: 0.30% → 2.50%
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)
United Bank	1.90%	$500	-	Learn More
Jimleestro \| Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More Reviews (1)
Westfield Bank, FSB	1.75%	$2,500	-	Learn More Add Review
The First National Bank of Pandora	1.51%	$1,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
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)
Third Federal Savings and Loan Association of Cleveland	1.50%	$500	-	Learn More Add Review
Woodforest National Bank	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
The Peoples Savings and Loan Company	1.26%	$10,000	-	Learn More Add Review
Forcht Bank, National Association	1.26%	$10,000	-	Learn More Add Review
Citizens Federal Savings and Loan Association	1.25%	$10,000	-	Learn More Add Review
Peoples State Bank	1.21%	$10,000	-	Learn More Add Review
Union Savings Bank	1.15%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
Heartland Bank	1.10%	$10,000	-	Learn More
Billmaryd33@aol.com \| Apr 23, 2021 Billmaryd33@aol.com Read More Reviews (1)
THE HOME LOAN SAVINGS BANK	1.10%	$10,000	-	Learn More Add Review
The Peoples Savings Bank	1.05%	$10,000	-	Learn More Add Review
The Hamler State Bank	1.01%	$5,000	-	Learn More Add Review
First Bank Richmond	1.01%	$10,000	-	Learn More Add Review
Community Savings	1.01%	$10,000	-	Learn More Add Review
The North Side Bank and Trust Company	1.00%	$10,000	-	Learn More Add Review
The First National Bank of Sycamore	1.00%	$1,000	-	Learn More Add Review
The Corn City State Bank	1.00%	$5,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
The Sherwood State Bank	1.00%	$1,000	-	Learn More Add Review
CNB Bank	1.00%	$10,000	-	Learn More Add Review
SSB Community Bank	1.00%	$10,000	-	Learn More Add Review
Monroe Federal Savings and Loan Association	1.00%	$10,000	-	Learn More Add Review
Fidelity Federal Savings and Loan Association of Delaware	1.00%	$10,000	-	Learn More Add Review
The Citizens National Bank of Woodsfield	1.00%	$10,000	-	Learn More Add Review
The Waterford Commercial and Savings Bank	0.99%	$100,000	-	Learn More Add Review
The Citizens Bank Company	0.99%	$100,000	-	Learn More Add Review
Portage Community Bank	0.95%	$10,000	-	Learn More Add Review
First National Bank in New Bremen	0.90%	$100,000	-	Learn More Add Review
Union Savings Bank	0.90%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
Guardian Savings Bank, A Federal Savings Bank	0.90%	$10,000	-	Learn More
Wfransdell@gmail.com \| Oct 29, 2017 Excellentr Read More Reviews (1)
Home National Bank	0.87%	$100,000	-	Learn More Add Review
New Carlisle Federal Savings Bank	0.87%	$100,000	-	Learn More Add Review
New Carlisle Federal Savings Bank	0.85%	$10,000	-	Learn More Add Review
Buckeye State Bank	0.85%	$10,000	-	Learn More Add Review
The Home Savings and Loan Company of Kenton, Ohio	0.85%	$10,000	-	Learn More Add Review
The First Central National Bank of St. Paris	0.85%	$10,000	-	Learn More Add Review
Somerville Bank	0.85%	$10,000	-	Learn More Add Review
First Mutual Bank, FSB	0.85%	$10,000	-	Learn More Add Review
The Twin Valley Bank	0.80%	$10,000	-	Learn More Add Review
Home National Bank	0.80%	$500	-	Learn More Add Review
RiverHills Bank	0.80%	$500	-	Learn More Add Review
The Osgood State Bank	0.80%	$10,000	-	Learn More Add Review
First National Bank in New Bremen	0.80%	$10,000	-	Learn More Add Review
Galion Building and Loan Bank	0.80%	$10,000	-	Learn More Add Review
The Killbuck Savings Bank Company	0.80%	$100,000	-	Learn More Add Review
The Waterford Commercial and Savings Bank	0.79%	$10,000	-	Learn More Add Review
The Citizens Bank Company	0.79%	$10,000	-	Learn More Add Review
The First National Bank of Bellevue	0.75%	$100,000	-	Learn More Add Review
Belmont Savings Bank	0.75%	$98,000	-	Learn More Add Review
Civista Bank	0.75%	$10,000	-	Learn More
Disappointed \| Feb 5, 2020 We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More Reviews (2)
Greenville Federal	0.75%	$10,000	-	Learn More Add Review
Home Savings Bank of Wapakoneta	0.75%	$500	-	Learn More Add Review
The Killbuck Savings Bank Company	0.75%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association	0.75%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.70%	$1,000	-	Learn More Add Review
The Peoples Savings Bank	0.70%	$500	-	Learn More Add Review
The Hicksville Bank	0.70%	$500	-	Learn More Add Review
The Genoa Banking Company	0.70%	$10,000	-	Learn More Add Review
First National Bank of Pennsylvania	0.70%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
Portage Community Bank	0.70%	$100,000	-	Learn More Add Review
Greenville National Bank	0.70%	$10,000	-	Learn More Add Review
The Brookville Building and Savings Association	0.70%	$10,000	-	Learn More Add Review
The Cincinnatus Savings & Loan Co.	0.70%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank	0.69%	$100,000	-	Learn More Add Review
The Richwood Banking Company	0.67%	$500	-	Learn More Add Review
Liberty Bank	0.66%	$1,000	-	Learn More Add Review
Mercer Savings Bank	0.65%	$10,000	-	Learn More Add Review
Farmers State Bank	0.65%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.65%	$10,000	-	Learn More Add Review
Commodore Bank	0.65%	$100,000	-	Learn More Add Review
North Valley Bank	0.65%	$100,000	-	Learn More Add Review
Woodsfield Savings Bank	0.65%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company	0.65%	$500	-	Learn More Add Review
The Settlers Bank	0.65%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank	0.61%	$10,000	-	Learn More Add Review
The First National Bank of Bellevue	0.60%	$10,000	-	Learn More Add Review
The Middlefield Banking Company	0.60%	$10,000	-	Learn More
Joseph Usher \| May 6, 2015 The BEST BANK for 57years straight. The personel are wonderful to work with. ANYONE that needs Money, Middlefield Bank will be there to help. Read More Reviews (1)
First Federal Community Bank of Bucyrus	0.60%	$10,000	-	Learn More Add Review
The Apple Creek Banking Company	0.60%	$2,500	-	Learn More Add Review
The Commercial and Savings Bank of Millersburg, Ohio	0.60%	$10,000	-	Learn More Add Review
Commodore Bank	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Germantown	0.60%	$500	-	Learn More Add Review
Fairfield Federal Savings and Loan Association of Lancaster	0.60%	$10,000	-	Learn More Add Review
The Wilmington Savings Bank	0.60%	$10,000	-	Learn More Add Review
Southern Hills Community Bank	0.60%	$10,000	-	Learn More Add Review
The Citizens National Bank of McConnelsville	0.55%	$10,000	-	Learn More Add Review
FCN Bank, National Association	0.55%	$1,000	-	Learn More Add Review
The Fahey Banking Company	0.55%	$10,000	-	Learn More Add Review
First Federal Community Bank, National Association	0.55%	$500	-	Learn More Add Review
Rate History: 0.80% → 0.75% → 0.65% → 0.55%
North Valley Bank	0.55%	$10,000	-	Learn More Add Review
The First National Bank of McConnelsville	0.55%	$10,000	-	Learn More Add Review
Belmont Savings Bank	0.50%	$500	-	Learn More Add Review
First Federal Bank of Ohio	0.50%	$5,000	-	Learn More Add Review
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
The State Bank and Trust Company	0.50%	$10,000	-	Learn More Add Review
The Metamora State Bank	0.50%	$10,000	-	Learn More Add Review
Dollar Bank, Federal Savings Bank	0.50%	$10,000	-	Learn More Add Review
The Andover Bank	0.50%	$1,000	-	Learn More Add Review
Mechanics Bank	0.50%	$10,000	-	Learn More
rosalie murray \| Jul 18, 2020 how long can i use rabo bank checks? Read More Reviews (1)
Wayne Savings Community Bank	0.50%	$10,000	-	Learn More Add Review
THE VINTON COUNTY NATIONAL BANK	0.50%	$1,000	-	Learn More
Morgan B \| Mar 12, 2023 I have several business loans through VCNB. Anyone considering borrowing money should consider using them for financing. They have the assets and abilities of larger chains, but you get a more personal i... Read More Reviews (1)
The Pataskala Banking Company	0.50%	$10,000	-	Learn More Add Review
CenterBank	0.50%	$10,000	-	Learn More
scubagirl \| Mar 4, 2017 For greater Cincinnati customers only. Read More Reviews (1)
The Hocking Valley Bank	0.50%	$10,000	-	Learn More Add Review
The Marblehead Bank	0.48%	$25,000	-	Learn More Add Review
The Farmers and Merchants Bank	0.47%	$10,000	-	Learn More Add Review
The Park National Bank	0.45%	$1,000	-	Learn More Add Review
Minster Bank	0.45%	$10,000	-	Learn More Add Review
First Bank of Ohio	0.45%	$500	-	Learn More Add Review
The Ottoville Bank Company	0.45%	$10,000	-	Learn More Add Review
Van Wert Federal Savings Bank	0.45%	$10,000	-	Learn More Add Review
The Republic Banking Company	0.45%	$500	-	Learn More Add Review
The St. Henry Bank	0.45%	$10,000	-	Learn More Add Review
The Merchants National Bank	0.45%	$10,000	-	Learn More Add Review
The Ohio Valley Bank Company	0.45%	$10,000	-	Learn More Add Review
The Farmers Bank and Savings Company	0.45%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Van Wert	0.40%	$10,000	-	Learn More Add Review
The Peoples Bank	0.40%	$1,000	-	Learn More Add Review
Community Bank	0.40%	$10,000	-	Learn More Add Review
Kingston National Bank	0.40%	$1,000	-	Learn More Add Review
First Bank of Berne	0.35%	$1,000	-	Learn More Add Review
Signature Bank, National Association	0.35%	$100,000	-	Learn More Add Review
The Union Bank Company	0.35%	$500	-	Learn More Add Review
The Old Fort Banking Company	0.35%	$10,000	-	Learn More Add Review
Buckeye Community Bank	0.35%	$10,000	-	Learn More Add Review
LCNB National Bank	0.35%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.35%	$10,000	-	Learn More Add Review
Cf Bank, National Association	0.35%	$10,000	-	Learn More
James R. \| Sep 11, 2020 CF Bank showed good promise as a lender. They have a nice site with a swift intake and origination process. My originator, Dylan, was knowledgeable and a pleasure to work with. I unfortunately can’t g... Read More Reviews (3)
The First National Bank of Dennison	0.35%	$10,000	-	Learn More Add Review
First Merchants Bank	0.35%	$100,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
The First National Bank of Blanchester	0.35%	$10,000	-	Learn More Add Review
The Croghan Colonial Bank	0.32%	$500	-	Learn More Add Review
First Federal Savings and Loan Association of Lorain	0.30%	$250	-	Learn More
Anon \| Jul 23, 2019 Oberlen Ave in Lorain Ohio Read More Reviews (27)
First Bank of Central Ohio	0.30%	$500	-	Learn More Add Review
First Financial Bank	0.30%	$10,000	-	Learn More Add Review
First Merchants Bank	0.30%	$10,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
The First National Bank of Waverly	0.30%	$10,000	-	Learn More Add Review
The Marblehead Bank	0.29%	$10,000	-	Learn More Add Review
Northwest Bank	0.28%	$10,000	-	Learn More Add Review
First State Bank	0.26%	$10,000	-	Learn More Add Review
Premier Bank	0.25%	$500	-	Learn More Add Review
The Fort Jennings State Bank	0.25%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.25%	$10,000	-	Learn More Add Review
The First Citizens National Bank of Upper Sandusky	0.20%	$10,000	-	Learn More Add Review
Community First Bank, National Association	0.20%	$10,000	-	Learn More Add Review
The Bank of Magnolia Company	0.20%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.15%	$100,000	-	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)
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)
Signature Bank, National Association	0.05%	$10,000	-	Learn More Add Review
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)
Fifth Third Bank, National Association	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

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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Ohio 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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