Best 4-Year CD Rates in Pennsylvania, PA

You are viewing rates from banks across Pennsylvania

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

PA - November 18, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
Mid Penn Bank	4.05%	$500	-	Learn More Add Review
Quaint Oak Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.00%
Beal Bank	3.80%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80%
Beal Bank USA	3.80%	$1,000	-	Learn More
Rate History: 3.95% → 3.85% → 3.80%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
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)
Customers Bank	3.75%	$500	-	Learn More
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 Reviews (3)
First Resource Bank	3.75%	$500	-	Learn More Add Review
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)
Marquette Savings Bank	2.52%	$500	-	Learn More
beaglemanduke@gmail.com \| Sep 27, 2019 I use Marquette bank in Meadville on park avenue. and I use Marquette bank on rt 322 both of these banks have great mangers Dawn at park avenue and Kelly at rt 322 there tellers are the best Read More Reviews (1)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
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)
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)
Hyperion Bank	1.95%	$500	-	Learn More Add Review
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)
SSB Bank	1.81%	$500	-	Learn More Add Review
Rate History: 2.77% → 1.81%
City National Bank	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
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)
Coatesville Savings Bank	1.25%	$10,000	-	Learn More Add Review
Hatboro Federal Savings, FA	1.25%	$1,000	-	Learn More Add Review
The Northumberland National Bank	1.20%	$100,000	-	Learn More Add Review
Second Federal Savings and Loan Association of Philadelphia	1.20%	$10,000	-	Learn More Add Review
Hometown Bank of Pennsylvania	1.16%	$10,000	-	Learn More Add Review
Somerset Trust Company	1.15%	$10,000	-	Learn More Add Review
The Northumberland National Bank	1.10%	$10,000	-	Learn More Add Review
The Victory Bank	1.10%	$10,000	-	Learn More Add Review
Port Richmond Savings	1.10%	$500	-	Learn More Add Review
Susquehanna Community Bank	1.05%	$500	-	Learn More
Seth B Glover \| Aug 10, 2019 I did not appreciate getting pulled into the 2.53% offer on $100k only to have the rate lowered by the time I finally got the money in. Read More Reviews (1)
The Turbotville National Bank	1.05%	$10,000	-	Learn More
Annonomous \| May 30, 2021 U would think after a person is a customer for a great many years they would help them in the case of fraud nope they close everything down on you and don't tell you way to go that's real customer service ... Read More Reviews (1)
Fulton Bank, National Association	1.01%	$1,000	-	Learn More Add Review
William Penn Bank	1.01%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
CNB Bank	1.00%	$10,000	-	Learn More Add Review
Woodlands Bank	1.00%	$10,000	-	Learn More Add Review
Armstrong County Building and Loan Association	1.00%	$10,000	-	Learn More Add Review
Reliance Savings Bank	1.00%	$10,000	-	Learn More Add Review
PennCrest Bank	1.00%	$10,000	-	Learn More Add Review
Milton Savings Bank	1.00%	$10,000	-	Learn More Add Review
The National Bank of Malvern	1.00%	$10,000	-	Learn More Add Review
William Penn Bank	1.00%	$10,000	-	Learn More Add Review
Asian Bank	1.00%	$10,000	-	Learn More Add Review
Mifflinburg Bank and Trust Company	0.95%	$5,000	-	Learn More Add Review
The Dime Bank	0.90%	$10,000	-	Learn More Add Review
Ameriserv Financial Bank	0.90%	$10,000	-	Learn More Add Review
Unity Bank	0.90%	$10,000	-	Learn More
CF \| Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More Reviews (2)
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	0.90%	$10,000	-	Learn More Add Review
Ambler Savings Bank	0.90%	$10,000	-	Learn More
mmcglade89 \| Aug 11, 2021 I had been using Ambler Savings for as long as I can remember and never had any issues with them until around 2019. My card and account were constantly being frozen and I had to call to have it unfrozen. W... Read More Reviews (1)
First Bank	0.90%	$10,000	-	Learn More
SAM \| May 24, 2021 Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More Reviews (2)
Sharon Bank	0.90%	$10,000	-	Learn More Add Review
Iron Workers Savings Bank	0.90%	$10,000	-	Learn More Add Review
United Savings Bank	0.90%	$10,000	-	Learn More Add Review
Elderton State Bank	0.85%	$100,000	-	Learn More Add Review
Harleysville Bank	0.85%	$10,000	-	Learn More
Keith Wright \| Aug 23, 2016 Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More Reviews (1)
Mercer County State Bank	0.80%	$100,000	-	Learn More Add Review
First Citizens Community Bank	0.80%	$100,000	-	Learn More Add Review
First United National Bank	0.80%	$500	-	Learn More Add Review
First Columbia Bank & Trust Co.	0.80%	$10,000	-	Learn More Add Review
The Gratz Bank	0.80%	$10,000	-	Learn More Add Review
Phoenixville Federal Bank and Trust	0.80%	$500	-	Learn More Add Review
First National Bank and Trust Company of Newtown	0.80%	$10,000	-	Learn More Add Review
1st Summit Bank	0.76%	$10,000	-	Learn More
Rriordan75 \| Jan 18, 2020 I and my colleagues have all had trouble with our travelers debit prepaid cards. Right now I'm in the middle of trying to get ahold of a customer representative because the card shows that there's money on... Read More Reviews (1)
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.75%	$100,000	-	Learn More Add Review
Fleetwood Bank	0.75%	$500	-	Learn More Add Review
Wilmington Savings Fund Society, FSB	0.75%	$2,500	-	Learn More
schoolbus2017 \| Nov 8, 2019 farmer Read More Reviews (1)
Mercer County State Bank	0.75%	$10,000	-	Learn More Add Review
Citizens & Northern Bank	0.75%	$100,000	-	Learn More Add Review
Marion Center Bank	0.75%	$10,000	-	Learn More Add Review
First Keystone Community Bank	0.75%	$100,000	-	Learn More Add Review
Citizens Savings Bank	0.75%	$10,000	-	Learn More Add Review
CFSBANK	0.75%	$10,000	-	Learn More
Regular guy \| Mar 24, 2023 I have never been treated so poorly in all the banks ive been in i went there to ask about buying change the girl acted like she never heard of rolled coins before and really made me feel as though i shou... Read More Reviews (1)
Elderton State Bank	0.75%	$10,000	-	Learn More Add Review
Apollo Trust Company	0.75%	$10,000	-	Learn More Add Review
Investment Savings Bank	0.75%	$10,000	-	Learn More Add Review
Jim Thorpe Neighborhood Bank	0.75%	$10,000	-	Learn More Add Review
Community State Bank of Orbisonia	0.75%	$500	-	Learn More Add Review
York Traditions Bank	0.75%	$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)
NBT Bank, National Association	0.70%	$10,000	-	Learn More Add Review
The Honesdale National Bank	0.70%	$10,000	-	Learn More Add Review
First Keystone Community Bank	0.70%	$10,000	-	Learn More Add Review
Wayne Bank	0.70%	$10,000	-	Learn More
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 Reviews (1)
First Northern Bank and Trust Company	0.70%	$10,000	-	Learn More Add Review
Embassy Bank for the Lehigh Valley	0.70%	$10,000	-	Learn More
Carly \| Jul 14, 2018 Excellent customer service Read More Reviews (1)
Enterprise Bank	0.70%	$10,000	-	Learn More Add Review
Penn Community Bank	0.70%	$10,000	-	Learn More
Rk \| Feb 22, 2023 Where to begin with this ghetto bank? You make a cash deposit but you can't make a withdraw the same day. You make a deposit and it doesn't show up until the next day. You're limited to a low atm amount e... Read More Reviews (2)
QNB Bank	0.70%	$10,000	-	Learn More Add Review
WesBanco Bank, Inc.	0.65%	$10,000	-	Learn More Add Review
Washington Financial Bank	0.65%	$10,000	-	Learn More Add Review
ACNB Bank	0.65%	$10,000	-	Learn More Add Review
Meridian Bank	0.65%	$10,000	-	Learn More Add Review
The Neffs National Bank	0.65%	$10,000	-	Learn More Add Review
American Bank	0.65%	$10,000	-	Learn More Add Review
Kish Bank	0.64%	$10,000	-	Learn More
smalltowngirl \| Mar 9, 2018 I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go thro... Read More Reviews (1)
Slovenian Savings and Loan Association of Franklin-Conemaugh	0.63%	$10,000	-	Learn More Add Review
The Juniata Valley Bank	0.60%	$10,000	-	Learn More
Jeffery Bailey \| Apr 4, 2016 It is sad to see FNBPA being taken over by Juniata. The name Juniata has no affinity with Port Allegany history. I am closing my account. Read More Reviews (1)
PS Bank	0.60%	$10,000	-	Learn More Add Review
First Citizens Community Bank	0.60%	$10,000	-	Learn More Add Review
InFirst Bank	0.60%	$10,000	-	Learn More Add Review
ESSA Bank & Trust	0.60%	$10,000	-	Learn More Add Review
The Fidelity Deposit and Discount Bank	0.60%	$100,000	-	Learn More Add Review
Farmers and Merchants Trust Company of Chambersburg	0.60%	$10,000	-	Learn More Add Review
MCS Bank	0.60%	$1,000	-	Learn More Add Review
United Bank of Philadelphia	0.60%	$10,000	-	Learn More Add Review
Univest Bank and Trust Co.	0.55%	$500	-	Learn More Add Review
Citizens & Northern Bank	0.55%	$10,000	-	Learn More Add Review
Chemung Canal Trust Company	0.55%	$10,000	-	Learn More Add Review
Mauch Chunk Trust Company	0.55%	$10,000	-	Learn More Add Review
Abacus Federal Savings Bank	0.55%	$1,000	-	Learn More Add Review
New Tripoli Bank	0.50%	$500	-	Learn More Add Review
The Andover Bank	0.50%	$1,000	-	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)
Dollar Bank, Federal Savings Bank	0.50%	$10,000	-	Learn More Add Review
West View Savings Bank	0.50%	$10,000	-	Learn More Add Review
Brentwood Bank	0.50%	$10,000	-	Learn More Add Review
Bank of Bird-in-Hand	0.50%	$10,000	-	Learn More Add Review
Berkshire Bank	0.50%	$10,000	-	Learn More
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 Reviews (2)
First Commonwealth Bank	0.45%	$10,000	-	Learn More Add Review
Altoona First Savings Bank	0.45%	$1,000	-	Learn More Add Review
Old Dominion National Bank	0.45%	$10,000	-	Learn More Add Review
The Bank of Princeton	0.45%	$500	-	Learn More
Donna \| Nov 1, 2022 This local community bank “by far” exceeded my expectations of what a banking institution should be. They take the time to understand their customers needs, educatedly answer questions, and take the ti... Read More Reviews (1)
Peoples Security Bank and Trust Company	0.40%	$1,000	-	Learn More Add Review
First Commonwealth Bank	0.40%	$10,000	-	Learn More Add Review
NEXTIER BANK, NATIONAL ASSOCIATION	0.40%	$10,000	-	Learn More Add Review
Jersey Shore State Bank	0.40%	$100,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank	0.40%	$100,000	-	Learn More Add Review
Community Bank	0.40%	$10,000	-	Learn More Add Review
Orrstown Bank	0.40%	$10,000	-	Learn More Add Review
First Commonwealth Bank	0.35%	$10,000	-	Learn More Add Review
The Ephrata National Bank	0.30%	$100,000	-	Learn More Add Review
Northwest Bank	0.28%	$10,000	-	Learn More Add Review
Tompkins Community Bank	0.25%	$1,000	-	Learn More Add Review
Community Bank, National Association	0.25%	$100,000	-	Learn More Add Review
The Ephrata National Bank	0.25%	$10,000	-	Learn More Add Review
Community Bank, National Association	0.20%	$10,000	-	Learn More Add Review
Jersey Shore State Bank	0.20%	$10,000	-	Learn More
Roy Miner \| Feb 24, 2019 This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More Reviews (1)
The Luzerne Bank	0.20%	$10,000	-	Learn More Add Review
Commercial Bank and Trust of PA	0.20%	$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)
Firstrust Savings Bank	0.10%	$10,000	-	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)
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.

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Pennsylvania 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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