Texas

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Texas CD Rates – 4-Year

You are viewing rates from banks across Texas

 

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

TX - November 21, 2024

4 Year CD National Average : 0.81% ?

Banks APY MIN MILES ?

| Aug 20, 2019

Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More

Rate History: 4.00% → 3.70% → 4.00%

| Jun 22, 2023

I have been with The Mint Ntl Bank for going on the 3rd yr. They have always taken care of my CD investment and changes that come after the maturity (yearly) date. I highly recommend them! Read More

3.95%

$1,000

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Rate History: 3.95% → 3.85% → 3.80%

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.65% → 4.55% → 4.20% → 4.05% → 3.80%

| 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

| 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

Rate History: 1.00% → 2.75% → 2.75% → 4.00% → 3.75%

| Aug 30, 2023

Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More

Rate History: 4.05% → 3.95% → 3.75% → 3.55%

| 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

Rate History: 4.07% → 3.71% → 3.51%

Rate History: 3.55% → 3.45% → 3.65% → 3.35%

| 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

| 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

| Mar 20, 2016

Good solid bank. Read More

Rate History: 3.00% → 2.75%

Rate History: 3.05% → 2.53%

| 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

Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00%

| 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

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.75%

$10,000

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| May 29, 2020

Dua Read More

1.51%

$100,000

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1.41%

$10,000

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1.40%

$10,000

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1.36%

$1,000

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1.35%

$10,000

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| Mar 19, 2021

... Read More

1.31%

$100,000

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1.31%

$100,000

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Rate History: 1.00% → 1.30%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

1.26%

$1,000

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1.26%

$10,000

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1.26%

$100,000

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1.25%

$100,000

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1.24%

$1,000

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1.21%

$90,000

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1.21%

$10,000

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1.21%

$100,000

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1.21%

$10,000

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1.20%

$1,000

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1.20%

$10,000

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1.20%

$10,000

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1.20%

$100,000

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1.16%

$100,000

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| Dec 1, 2020

This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More

| Aug 12, 2021

Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More

| May 3, 2016

Branchs locations, Houston, Tx. Read More

1.16%

$10,000

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| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

| Dec 1, 2020

Worth the drive out to the country! Read More

1.16%

$100,000

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1.15%

$10,000

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1.15%

$10,000

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1.15%

$10,000

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1.15%

$1,000

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1.15%

$10,000

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1.15%

$10,000

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1.15%

$100,000

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1.15%

$10,000

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1.15%

$10,000

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1.15%

$10,000

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1.11%

$10,000

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1.11%

$100,000

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| Mar 24, 2022

I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More

1.10%

$100,000

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1.10%

$10,000

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1.10%

$100,000

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1.10%

$10,000

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| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

1.06%

$500

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| Dec 1, 2020

This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More

| May 3, 2016

Branchs locations, Houston, Tx. Read More

| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

| Dec 1, 2020

Worth the drive out to the country! Read More

1.06%

$10,000

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1.06%

$100,000

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1.05%

$10,000

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1.05%

$10,000

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| Feb 6, 2023

Lindale Community Bank with employees that care. Read More

1.05%

$10,000

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1.05%

$10,000

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| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

1.01%

$100,000

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1.01%

$10,000

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1.00%

$100,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$100,000

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| Aug 4, 2022

Great CD rates & service Read More

1.00%

$1,000

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1.00%

$10,000

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1.00%

$10,000

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| Jan 23, 2021

This is the WORST bank ever!! We had a substantial amount of money taken from our accounts. When we first discovered it, we immediately met with Sue Hearn, VP in The Woodlands. Her first reaction was to ... Read More

1.00%

$10,000

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1.00%

$100,000

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1.00%

$10,000

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1.00%

$10,000

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0.98%

$100,000

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0.95%

$500

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0.95%

$10,000

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0.95%

$100,000

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0.95%

$10,000

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0.95%

$1,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$100,000

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0.90%

$500

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$100,000

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0.87%

$2,500

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0.87%

$100,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$100,000

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0.85%

$10,000

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0.85%

$10,000

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0.85%

$100,000

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0.85%

$10,000

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| Mar 6, 2021

You guys have four “ Lobby Open “ signs outside on each corner of the bank .I’m new and do not know your lobby hours yet so I depended on the four “ Lobby Open “signs . I was dropped off there i... Read More

0.85%

$10,000

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0.83%

$10,000

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0.80%

$100,000

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0.80%

$100,000

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0.80%

$10,000

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| Jan 8, 2024

Awful, rude unprofessional! Beware Read More

0.80%

$10,000

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| Jun 28, 2017

showmefivethousanddollars Read More

0.80%

$10,000

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0.80%

$100,000

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| Mar 6, 2021

You guys have four “ Lobby Open “ signs outside on each corner of the bank .I’m new and do not know your lobby hours yet so I depended on the four “ Lobby Open “signs . I was dropped off there i... Read More

| Sep 3, 2021

I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More

0.80%

$100,000

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0.80%

$10,000

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0.77%

$1,000

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0.75%

$1,000

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0.75%

$1,000

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0.75%

$1,000

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0.75%

$10,000

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0.75%

$1,000

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0.75%

$10,000

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0.75%

$10,000

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| Nov 7, 2018

now pays 1.46% Read More

0.75%

$100,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$100,000

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| Sep 3, 2021

I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More

0.75%

$10,000

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0.75%

$100,000

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0.75%

$100,000

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0.75%

$100,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$5,000

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0.70%

$10,000

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| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.70%

$10,000

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0.70%

$10,000

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0.70%

$100,000

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0.70%

$10,000

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| Mar 10, 2021

when and what is cost Read More

| Sep 7, 2023

Went to Stellar bank off Bay Area yesterday 8/6/23. I was 1 minute late, but a gentleman let me in and instructed me to a lady to my left. Unfortunately, the ONLY words to me that she said was "just to let... Read More

0.65%

$1,000

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0.65%

$10,000

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0.65%

$10,000

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| Jan 26, 2022

You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More

| Jan 29, 2019

The Bank does not have this product. Read More

0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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| May 21, 2021

this bank is pooooooooooooooooooop Read More

| Mar 6, 2021

My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More

0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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| Aug 12, 2021

Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More

0.60%

$10,000

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0.60%

$250

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| Dec 14, 2018

I stayed with Vantage bank when they merged with DHanis bank because of the excellent service there . That remained excellent till you change the ability to deal locally. At the beginning of this review I ... Read More

| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.60%

$10,000

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0.60%

$100,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.55%

$10,000

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0.55%

$1,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$10,000

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0.55%

$2,500

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| Sep 8, 2021

Just moved to south Texas from Oregon, and needed to open a local checking account. I liked the name, Lone Star National Bank so decided to give them a try; and am so glad that I did. Went to the lobby b... Read More

0.55%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$1,000

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| Sep 30, 2015

Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$100,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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| Jan 26, 2022

You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More

0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.43%

$10,000

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0.40%

$1,000

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0.40%

$100,000

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| Aug 7, 2021

Worst banking institution I have ever dealt with. Three months to provide payment coupons and return envelopes. Into second year of erroneously instituted property tax and insurance coverage escrow failur... Read More

0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.35%

$10,000

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0.35%

$2,500

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| Mar 29, 2020

have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More

0.31%

$10,000

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.30%

$10,000

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| Jul 3, 2024

have been a customer of Broadway National Bank's Wealth Management Division for over 30 years (since 1990), but my recent experiences have been deeply troubling. Following the retirement of my previous tru... Read More

| Sep 28, 2016

After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More

0.25%

$10,000

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| Nov 26, 2019

They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More

| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

0.20%

$10,000

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| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

| Oct 18, 2016

IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More

0.15%

$10,000

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| 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

| Dec 30, 2018

Garden14 Read More

0.10%

$10,000

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0.06%

$1,000

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Rate History: 0.03% → 0.05%

Rate History: 0.03% → 0.05%

| 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

| 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

| 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

0.00%

$10,000

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All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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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