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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Sioux Falls
Below are four-year CD Rates from banks in South Dakota . 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.
Sioux Falls, SD - November 13, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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2.00% |
$0 |
- |
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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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1.96% |
$500 |
- |
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Jan | Feb 6, 2021 After purchasing more than 6 homes and going through more than a dozen refinancing processes, I must say that this is the worst company I have ever had the misfortune of dealing with. It took these clowns ... Read More |
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1.15% |
$2,000 |
- |
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Rate History: 0.24% → 0.26% → 1.15% |
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WPT | Nov 2, 2020 Got the account opened after weeks and finally got it funded and then they dropped the rate the next day and it is no longer competitive. Read More |
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1.10% |
$10,000 |
1.92 |
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Lindap | Jun 25, 2020 If you need a simple answer you will have to jump through hoops and talk to people that are not connected to your bank. Plus when you try to return the call the number they call from is not a working numb... Read More |
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1.09% |
$100,000 |
4.93 |
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1.08% |
$500 |
6.65 |
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1.05% |
$1,000 |
5.10 |
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1.00% |
$10,000 |
5.44 |
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1.00% |
$10,000 |
4.93 |
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0.90% |
$10,000 |
19.74 |
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0.85% |
$10,000 |
4.56 |
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0.85% |
$10,000 |
5.45 |
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0.80% |
$10,000 |
4.89 |
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dionpayne | Jun 28, 2017 showmefivethousanddollars Read More |
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0.75% |
$10,000 |
3.93 |
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0.75% |
$10,000 |
4.56 |
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0.70% |
$10,000 |
4.18 |
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0.60% |
$10,000 |
4.66 |
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0.57% |
$10,000 |
4.17 |
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0.44% |
$10,000 |
6.75 |
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0.20% |
$10,000 |
17.76 |
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0.15% |
$500 |
- |
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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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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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