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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 ? | |
---|---|---|---|---|
4.45% |
$10,000 |
- |
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Ange | 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 |
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4.00% |
$10,000 |
- |
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|
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Rate History: 4.00% → 3.70% → 4.00% |
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dennisphillipslee@gmail.com | 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 |
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3.95% |
$1,000 |
- |
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3.80% |
$1,000 |
- |
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Rate History: 3.95% → 3.85% → 3.80% |
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3.80% |
$1,000 |
- |
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Early Withdrawal Penalty is 180 days interest.
|
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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 |
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3.75% |
$500 |
- |
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|
|
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 |
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3.75% |
$500 |
- |
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|
|
Rate History: 1.00% → 2.75% → 2.75% → 4.00% → 3.75% |
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Molddave | 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 |
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3.55% |
$0 |
- |
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|
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Rate History: 4.05% → 3.95% → 3.75% → 3.55% |
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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 |
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3.51% |
$500 |
- |
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|
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Rate History: 4.07% → 3.71% → 3.51% |
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3.35% 0.35% |
$250,000 $1,000 |
- |
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|
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% |
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NORTY FLATZ | 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 |
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3.35% 3.30% |
$100,000 $500 |
- |
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3.29% |
$500 |
- |
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|
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3.00% |
$500 |
- |
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|
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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 |
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3.00% |
$1,000 |
- |
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|
|
3.00% |
$5,000 |
- |
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|
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.75% |
$1,000 |
- |
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|
|
Rate History: 3.00% → 2.75% |
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2.53% |
$1,000 |
- |
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|
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Rate History: 3.05% → 2.53% |
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2.50% |
$1,000 |
- |
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|
|
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 |
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2.00% |
$500 |
- |
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|
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Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00% |
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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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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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1.75% |
$10,000 |
- |
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|
|
1.55% |
$100,000 |
- |
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|
|
Aku | May 29, 2020 Dua Read More |
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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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|
|
1.35% |
$10,000 |
- |
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|
|
Steve | Mar 19, 2021 ... Read More |
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1.31% |
$100,000 |
- |
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|
|
1.31% |
$100,000 |
- |
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|
|
1.30% |
$500 |
- |
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|
|
Rate History: 1.00% → 1.30% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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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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|
|
1.16% |
$100,000 |
- |
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|
|
Mike Smith | 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 |
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1.16% |
$10,000 |
- |
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|
|
rhon1334 | 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 |
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1.16% |
$100,000 |
- |
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|
|
mdubois77077@yahoo.com | May 3, 2016 Branchs locations, Houston, Tx. Read More |
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1.16% |
$10,000 |
- |
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|
|
1.16% |
$100,000 |
- |
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|
|
Jon Davis | Jun 25, 2016 Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More |
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1.16% |
$100,000 |
- |
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|
|
Bob Collier | Dec 1, 2020 Worth the drive out to the country! Read More |
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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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|
|
1.11% |
$10,000 |
- |
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|
|
Randall Stewart | Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More |
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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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|
|
1.10% |
$100,000 |
- |
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|
|
CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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1.06% |
$500 |
- |
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|
|
1.06% |
$10,000 |
- |
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|
|
Mike Smith | 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 |
||||
1.06% |
$10,000 |
- |
Learn More
|
|
mdubois77077@yahoo.com | May 3, 2016 Branchs locations, Houston, Tx. Read More |
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1.06% |
$10,000 |
- |
Learn More
|
|
Jon Davis | Jun 25, 2016 Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More |
||||
1.06% |
$10,000 |
- |
Learn More
|
|
Bob Collier | Dec 1, 2020 Worth the drive out to the country! Read More |
||||
1.06% |
$10,000 |
- |
Learn More
|
|
1.06% |
$100,000 |
- |
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|
|
1.05% |
$10,000 |
- |
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|
1.05% |
$10,000 |
- |
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|
|
1.05% |
$10,000 |
- |
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|
|
dwaters | Feb 6, 2023 Lindale Community Bank with employees that care. Read More |
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1.05% |
$10,000 |
- |
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|
|
1.05% |
$10,000 |
- |
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|
|
1.05% |
$10,000 |
- |
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|
|
CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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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% |
$1,000 |
- |
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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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|
|
1.00% |
$10,000 |
- |
Learn More
|
|
Rhepler | Aug 4, 2022 Great CD rates & service Read More |
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1.00% |
$1,000 |
- |
Learn More
|
|
1.00% |
$10,000 |
- |
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|
|
1.00% |
$10,000 |
- |
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|
|
1.00% |
$10,000 |
- |
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|
|
utpara4 | 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 |
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1.00% |
$10,000 |
- |
Learn More
|
|
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 |
- |
Learn More
|
|
0.95% |
$10,000 |
- |
Learn More
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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% |
$1,000 |
- |
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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% |
$1,000 |
- |
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|
0.85% |
$100,000 |
- |
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|
0.85% |
$10,000 |
- |
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|
0.85% |
$100,000 |
- |
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|
|
Cindy | 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 |
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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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|
0.80% |
$10,000 |
- |
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|
Splashgirl1961@gmail.com | Jan 8, 2024 Awful, rude unprofessional! Beware Read More |
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0.80% |
$10,000 |
- |
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|
0.80% |
$10,000 |
- |
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dionpayne | Jun 28, 2017 showmefivethousanddollars Read More |
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0.80% |
$10,000 |
- |
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|
0.80% |
$100,000 |
- |
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0.80% |
$10,000 |
- |
Learn More
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Cindy | 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 |
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0.80% |
$100,000 |
- |
Learn More
|
|
FEE free now | 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 |
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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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0.75% |
$10,000 |
- |
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gsander | Nov 7, 2018 now pays 1.46% Read More |
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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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0.75% |
$10,000 |
- |
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FEE free now | 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 |
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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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0.70% |
$10,000 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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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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0.70% |
$10,000 |
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carfuss2000 | Mar 10, 2021 when and what is cost Read More |
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0.70% |
$10,000 |
- |
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Looking | 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 |
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0.65% |
$1,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
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0.65% |
$100,000 |
- |
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.65% |
$10,000 |
- |
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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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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0.65% |
$10,000 |
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0.61% |
$1,000 |
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hi | May 21, 2021 this bank is pooooooooooooooooooop Read More |
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0.60% |
$10,000 |
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elizabethcoker22@gmail.com | 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 |
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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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0.60% |
$10,000 |
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0.60% |
$10,000 |
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rhon1334 | 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 |
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0.60% |
$10,000 |
- |
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0.60% |
$250 |
- |
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0.60% |
$10,000 |
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charles gregory | 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 |
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0.60% |
$10,000 |
- |
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|
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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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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0.55% |
$1,000 |
- |
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RICSHA | 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 |
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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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0.50% |
$10,000 |
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Ernie Bramlett | 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 |
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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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0.49% |
$10,000 |
- |
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.45% |
$10,000 |
- |
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|
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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% |
$50,000 |
- |
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0.40% |
$1,000 |
- |
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0.40% |
$100,000 |
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0.40% |
$10,000 |
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homegirl | 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 |
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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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0.40% |
$10,000 |
- |
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0.35% |
$10,000 |
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0.35% |
$2,500 |
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0.33% |
$1,000 |
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thedon | 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 |
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0.31% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
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Traci Mitchell | 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 |
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0.25% |
$1,000 |
- |
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jim | 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 |
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0.25% |
$10,000 |
- |
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0.25% |
$10,000 |
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Ralph | 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 |
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0.20% |
$10,000 |
- |
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Bauhinia C | 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 |
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0.20% |
$10,000 |
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0.15% |
$500 |
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MrBond | 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 |
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0.15% |
$1 |
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Cory,Baldwin | 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 |
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0.15% |
$10,000 |
- |
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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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0.10% |
$1,000 |
- |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$10,000 |
- |
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0.06% |
$1,000 |
- |
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0.05% 0.01% |
$2,501 $2,500 |
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Rate History: 0.03% → 0.05% |
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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% |
$25,000 |
- |
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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 |
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0.03% |
$100,000 |
- |
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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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0.00% |
$10,000 |
- |
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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.
Use or Change these Amounts And Rates