Best 4-Year CD Rates in Texas, TX

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 4, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
NexBank	4.45%	$10,000	-	Learn More
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 Reviews (2)
Amerant Bank, Formerly Mercantil Bank	4.00%	$500	-	Learn More
Rate History: 1.00% → 2.75% → 2.75% → 4.00%
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 Reviews (2)
The MINT National Bank	4.00%	$10,000	-	Learn More
Rate History: 4.00% → 3.70% → 4.00%
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 Reviews (1)
Harmony Bank	3.95%	$1,000	-	Learn More Add Review
Beal Bank	3.80%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80%
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)
Texas Bank	3.71%	$500	-	Learn More Add Review
Rate History: 4.07% → 3.71%
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)
Bank of Hope	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
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 Reviews (1)
T Bank, National Association	3.35% 3.30%	$100,000 $500	-	Learn More Add Review
First Financial Bank, National Association	3.29%	$500	-	Learn More Add Review
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)
Amarillo National Bank	3.00%	$1,000	-	Learn More Add Review
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Charter Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 2.75%
Zions Bank	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
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)
New Millennium Bank	2.00%	$500	-	Learn More Add Review
Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00%
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)
Oakwood Bank	1.75%	$10,000	-	Learn More Add Review
BOKF, National Association	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Henderson Federal Savings Bank	1.51%	$100,000	-	Learn More Add Review
Henderson Federal Savings Bank	1.41%	$10,000	-	Learn More Add Review
Central National Bank	1.40%	$10,000	-	Learn More Add Review
The First National Bank of Moody	1.36%	$1,000	-	Learn More Add Review
Security Bank of Crawford	1.35%	$10,000	-	Learn More Add Review
Texana Bank, National Association	1.35%	$10,000	-	Learn More
Steve \| Mar 19, 2021 ... Read More Reviews (2)
Crossroads Bank	1.31%	$100,000	-	Learn More Add Review
First State Bank of Bedias	1.31%	$100,000	-	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)
First State Bank	1.26%	$1,000	-	Learn More Add Review
UBank	1.26%	$10,000	-	Learn More Add Review
Greater State Bank	1.26%	$100,000	-	Learn More Add Review
Fort Davis State Bank	1.25%	$100,000	-	Learn More Add Review
Citizens State Bank	1.24%	$1,000	-	Learn More Add Review
Sage Capital Bank,	1.21%	$90,000	-	Learn More Add Review
Ciera Bank	1.21%	$10,000	-	Learn More Add Review
Cendera Bank, National Association	1.21%	$100,000	-	Learn More Add Review
First State Bank of Bedias	1.21%	$10,000	-	Learn More Add Review
Fort Davis State Bank	1.20%	$1,000	-	Learn More Add Review
Crossroads Bank	1.20%	$10,000	-	Learn More Add Review
Fayette Savings Bank, SSB	1.20%	$10,000	-	Learn More Add Review
Kleberg Bank, N.A.	1.20%	$100,000	-	Learn More Add Review
Fayetteville Bank	1.16%	$100,000	-	Learn More Add Review
Industry State Bank	1.16%	$100,000	-	Learn More
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 Reviews (1)
The First National Bank of Tom Bean	1.16%	$10,000	-	Learn More
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 Reviews (1)
Citizens State Bank	1.16%	$100,000	-	Learn More
mdubois77077@yahoo.com \| May 3, 2016 Branchs locations, Houston, Tx. Read More Reviews (1)
Lone Star Capital Bank, National Association	1.16%	$10,000	-	Learn More Add Review
The First National Bank of Bellville	1.16%	$100,000	-	Learn More
Jon Davis \| Jun 25, 2016 Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More Reviews (2)
Bank of Brenham, National Association	1.16%	$100,000	-	Learn More
Bob Collier \| Dec 1, 2020 Worth the drive out to the country! Read More Reviews (4)
The First National Bank of Shiner	1.16%	$100,000	-	Learn More Add Review
Cendera Bank, National Association	1.15%	$10,000	-	Learn More Add Review
First Guaranty Bank	1.15%	$10,000	-	Learn More Add Review
Farmers Bank & Trust Company	1.15%	$10,000	-	Learn More Add Review
United Texas Bank	1.15%	$1,000	-	Learn More Add Review
Fannin Bank	1.15%	$10,000	-	Learn More Add Review
First Federal Community Bank, SSB	1.15%	$10,000	-	Learn More Add Review
SouthStar Bank, S.S.B.	1.15%	$100,000	-	Learn More Add Review
Round Top State Bank	1.15%	$10,000	-	Learn More Add Review
Kleberg Bank, N.A.	1.15%	$10,000	-	Learn More Add Review
POINTWEST BANK	1.15%	$10,000	-	Learn More Add Review
State Bank of De Kalb	1.11%	$10,000	-	Learn More Add Review
Spring Hill State Bank	1.11%	$100,000	-	Learn More Add Review
Bank 7	1.11%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
Interstate Bank	1.10%	$100,000	-	Learn More Add Review
First National Bank of Dublin	1.10%	$10,000	-	Learn More Add Review
Austin County State Bank	1.10%	$100,000	-	Learn More Add Review
Schertz Bank & Trust	1.10%	$10,000	-	Learn More Add Review
TrustTexas Bank, SSB	1.10%	$100,000	-	Learn More
CFO \| Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More Reviews (2)
Fayetteville Bank	1.06%	$500	-	Learn More Add Review
Industry State Bank	1.06%	$10,000	-	Learn More
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 Reviews (1)
Citizens State Bank	1.06%	$10,000	-	Learn More
mdubois77077@yahoo.com \| May 3, 2016 Branchs locations, Houston, Tx. Read More Reviews (1)
The First National Bank of Bellville	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 Reviews (2)
Bank of Brenham, National Association	1.06%	$10,000	-	Learn More
Bob Collier \| Dec 1, 2020 Worth the drive out to the country! Read More Reviews (4)
The First National Bank of Shiner	1.06%	$10,000	-	Learn More Add Review
The First National Bank of Hebbronville	1.06%	$100,000	-	Learn More Add Review
Commercial National Bank of Texarkana	1.05%	$10,000	-	Learn More Add Review
The Liberty National Bank in Paris	1.05%	$10,000	-	Learn More Add Review
Mineola Community Bank, S.S.B.	1.05%	$10,000	-	Learn More
dwaters \| Feb 6, 2023 Lindale Community Bank with employees that care. Read More Reviews (1)
First National Bank of Bosque County	1.05%	$10,000	-	Learn More Add Review
Austin County State Bank	1.05%	$10,000	-	Learn More Add Review
TrustTexas Bank, SSB	1.05%	$10,000	-	Learn More
CFO \| Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More Reviews (2)
The First National Bank of Anderson	1.01%	$100,000	-	Learn More Add Review
Spring Hill State Bank	1.01%	$10,000	-	Learn More Add Review
Texas State Bank	1.00%	$100,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Western Bank	1.00%	$10,000	-	Learn More Add Review
Interstate Bank	1.00%	$10,000	-	Learn More Add Review
First National Bank	1.00%	$10,000	-	Learn More Add Review
Wallis Bank	1.00%	$100,000	-	Learn More Add Review
Affiliated Bank, National Association	1.00%	$10,000	-	Learn More
Rhepler \| Aug 4, 2022 Great CD rates & service Read More Reviews (1)
SouthStar Bank, S.S.B.	1.00%	$1,000	-	Learn More Add Review
BOM Bank	1.00%	$10,000	-	Learn More Add Review
Citizens State Bank	1.00%	$10,000	-	Learn More Add Review
Texas First Bank	1.00%	$10,000	-	Learn More
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 Reviews (1)
Commerce Bank Texas	1.00%	$10,000	-	Learn More Add Review
First State Bank of San Diego	1.00%	$100,000	-	Learn More Add Review
Greater State Bank	1.00%	$10,000	-	Learn More Add Review
Community Bank & Trust, Waco, Texas	1.00%	$10,000	-	Learn More Add Review
Southwestern National Bank	0.98%	$100,000	-	Learn More Add Review
Sage Capital Bank,	0.95%	$500	-	Learn More Add Review
The Waggoner National Bank of Vernon	0.95%	$10,000	-	Learn More Add Review
The Bank and Trust, S.S.B.	0.95%	$100,000	-	Learn More Add Review
First Security State Bank	0.95%	$10,000	-	Learn More Add Review
Great Plains National Bank	0.95%	$1,000	-	Learn More Add Review
CapTex Bank, National Association	0.95%	$10,000	-	Learn More Add Review
Wallis Bank	0.95%	$10,000	-	Learn More Add Review
Citizens 1st Bank	0.95%	$10,000	-	Learn More Add Review
First State Bank and Trust Company	0.95%	$100,000	-	Learn More Add Review
First Mid Bank & Trust, National Association	0.90%	$1,000	-	Learn More Add Review
The Bank and Trust, S.S.B.	0.90%	$500	-	Learn More Add Review
Crowell State Bank	0.90%	$10,000	-	Learn More Add Review
Extraco Banks, National Association	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank of Hallettsville	0.90%	$100,000	-	Learn More Add Review
Rio Bank	0.87%	$2,500	-	Learn More Add Review
Texas National Bank	0.87%	$100,000	-	Learn More Add Review
Bank of South Texas	0.85%	$10,000	-	Learn More Add Review
American National Bank & Trust	0.85%	$10,000	-	Learn More Add Review
The Jacksboro National Bank	0.85%	$100,000	-	Learn More Add Review
The First National Bank in Cooper	0.85%	$10,000	-	Learn More Add Review
Farmers State Bank	0.85%	$10,000	-	Learn More Add Review
Incommons Bank, N.A.	0.85%	$1,000	-	Learn More Add Review
Shelby Savings Bank, SSB	0.85%	$100,000	-	Learn More Add Review
First State Bank and Trust Company	0.85%	$10,000	-	Learn More Add Review
The First National Bank of Livingston	0.85%	$100,000	-	Learn More
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 Reviews (1)
The First National Bank of Hebbronville	0.85%	$10,000	-	Learn More Add Review
Southwestern National Bank	0.83%	$10,000	-	Learn More Add Review
FirstBank Southwest	0.80%	$100,000	-	Learn More Add Review
First United Bank	0.80%	$100,000	-	Learn More Add Review
HomeBank Texas	0.80%	$10,000	-	Learn More Add Review
Bank of DeSoto, National Association	0.80%	$10,000	-	Learn More
Splashgirl1961@gmail.com \| Jan 8, 2024 Awful, rude unprofessional! Beware Read More Reviews (1)
Texas Heritage National Bank	0.80%	$10,000	-	Learn More Add Review
First Savings Bank	0.80%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
Citizens National Bank at Brownwood	0.80%	$10,000	-	Learn More Add Review
First National Bank of Huntsville	0.80%	$100,000	-	Learn More Add Review
The First National Bank of Livingston	0.80%	$10,000	-	Learn More
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 Reviews (1)
Texas Regional Bank	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 Reviews (2)
The Buckholts State Bank	0.80%	$100,000	-	Learn More Add Review
Peoples State Bank of Hallettsville	0.80%	$10,000	-	Learn More Add Review
Texas National Bank	0.77%	$1,000	-	Learn More Add Review
Alliance Bank	0.75%	$1,000	-	Learn More Add Review
Texas State Bank	0.75%	$1,000	-	Learn More Add Review
Muenster State Bank	0.75%	$1,000	-	Learn More Add Review
First State Bank	0.75%	$10,000	-	Learn More Add Review
Legend Bank, N.A.	0.75%	$1,000	-	Learn More Add Review
The Jacksboro National Bank	0.75%	$10,000	-	Learn More Add Review
First Texoma National Bank	0.75%	$10,000	-	Learn More Add Review
CrossFirst Bank	0.75%	$10,000	-	Learn More
gsander \| Nov 7, 2018 now pays 1.46% Read More Reviews (1)
International Bank of Commerce	0.75%	$100,000	-	Learn More Add Review
The City National Bank of Sulphur Springs	0.75%	$10,000	-	Learn More Add Review
The First National Bank of Winnsboro	0.75%	$10,000	-	Learn More Add Review
International Bank of Commerce	0.75%	$100,000	-	Learn More Add Review
Texas Regional Bank	0.75%	$10,000	-	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 Reviews (2)
First State Bank of San Diego	0.75%	$10,000	-	Learn More Add Review
Commerce Bank	0.75%	$100,000	-	Learn More Add Review
International Bank of Commerce	0.75%	$100,000	-	Learn More Add Review
International Bank of Commerce	0.75%	$100,000	-	Learn More Add Review
The First National Bank of Evant	0.70%	$10,000	-	Learn More Add Review
City Bank	0.70%	$10,000	-	Learn More Add Review
First State Bank	0.70%	$5,000	-	Learn More Add Review
First United Bank	0.70%	$10,000	-	Learn More Add Review
Prosperity Bank	0.70%	$10,000	-	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
NBH Bank	0.70%	$10,000	-	Learn More Add Review
The American National Bank of Mount Pleasant	0.70%	$10,000	-	Learn More Add Review
The Pecos County State Bank	0.70%	$100,000	-	Learn More Add Review
Farmers State Bank	0.70%	$10,000	-	Learn More Add Review
Guadalupe Bank	0.70%	$10,000	-	Learn More
carfuss2000 \| Mar 10, 2021 when and what is cost Read More Reviews (2)
Allegiance Bank	0.70%	$10,000	-	Learn More
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 Reviews (1)
First Community Bank	0.65%	$1,000	-	Learn More Add Review
Bank of the West	0.65%	$10,000	-	Learn More Add Review
Texas Bank and Trust Company	0.65%	$10,000	-	Learn More Add Review
Pegasus Bank	0.65%	$100,000	-	Learn More
Peggy Sterioti \| Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More Reviews (1)
COMMONWEALTH BUSINESS BANK	0.65%	$10,000	-	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
First Command Bank	0.65%	$10,000	-	Learn More Add Review
Cypress Bank, SSB	0.65%	$10,000	-	Learn More Add Review
Shelby Savings Bank, SSB	0.65%	$10,000	-	Learn More Add Review
The Buckholts State Bank	0.65%	$10,000	-	Learn More Add Review
Lone Star Bank	0.61%	$1,000	-	Learn More
hi \| May 21, 2021 this bank is pooooooooooooooooooop Read More Reviews (1)
Liberty Capital Bank	0.60%	$10,000	-	Learn More
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 Reviews (1)
Hanmi Bank	0.60%	$100,000	-	Learn More Add Review
FirstBank Southwest	0.60%	$10,000	-	Learn More Add Review
Peoples Bank	0.60%	$10,000	-	Learn More Add Review
Community National Bank & Trust of Texas	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Tom Bean	0.60%	$10,000	-	Learn More
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 Reviews (1)
Commercial Bank of Texas, National Association	0.60%	$10,000	-	Learn More Add Review
Great Southern Bank	0.60%	$250	-	Learn More Add Review
Vantage Bank Texas	0.60%	$10,000	-	Learn More
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 Reviews (1)
Armed Forces Bank, National Association	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
The Pecos County State Bank	0.60%	$10,000	-	Learn More Add Review
Castroville State Bank	0.60%	$100,000	-	Learn More Add Review
First-Lockhart National Bank	0.60%	$100,000	-	Learn More Add Review
Texas Gulf Bank, National Association	0.60%	$10,000	-	Learn More Add Review
The First State Bank	0.60%	$10,000	-	Learn More Add Review
Hanmi Bank	0.55%	$10,000	-	Learn More Add Review
Pilgrim Bank	0.55%	$1,000	-	Learn More Add Review
PlainsCapital Bank	0.55%	$10,000	-	Learn More Add Review
Guaranty Bank & Trust, N.A.	0.55%	$10,000	-	Learn More Add Review
MCBank	0.55%	$100,000	-	Learn More Add Review
First National Bank of Burleson	0.55%	$10,000	-	Learn More Add Review
Llano National Bank	0.55%	$2,500	-	Learn More Add Review
Lone Star National Bank	0.55%	$1,000	-	Learn More
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 Reviews (7)
Capital Bank	0.55%	$100,000	-	Learn More Add Review
The Hondo National Bank	0.50%	$10,000	-	Learn More Add Review
First National Bank of Lake Jackson	0.50%	$10,000	-	Learn More Add Review
First State Bank	0.50%	$10,000	-	Learn More Add Review
The First Bank of Celeste	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.50%	$10,000	-	Learn More Add Review
West Texas National Bank	0.50%	$1,000	-	Learn More Add Review
InterBank	0.50%	$10,000	-	Learn More
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 Reviews (1)
First Capital Bank	0.50%	$10,000	-	Learn More Add Review
American Momentum Bank	0.50%	$10,000	-	Learn More Add Review
Texas Bank	0.50%	$100,000	-	Learn More Add Review
International Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
MCBank	0.50%	$10,000	-	Learn More Add Review
First National Bank of Huntsville	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
First-Lockhart National Bank	0.50%	$10,000	-	Learn More Add Review
Commerce Bank	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
International Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
Pegasus Bank	0.49%	$10,000	-	Learn More
Peggy Sterioti \| Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More Reviews (1)
American State Bank	0.45%	$10,000	-	Learn More Add Review
Castroville State Bank	0.45%	$10,000	-	Learn More Add Review
Capital Bank	0.45%	$10,000	-	Learn More Add Review
Transpecos Banks, SSB	0.43%	$10,000	-	Learn More Add Review
Cathay Bank	0.40%	$50,000	-	Learn More Add Review
Capital Bank of Texas	0.40%	$1,000	-	Learn More Add Review
WestStar Bank	0.40%	$100,000	-	Learn More Add Review
Titan Bank, N.A.	0.40%	$10,000	-	Learn More
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 Reviews (6)
Texas Bank	0.40%	$10,000	-	Learn More Add Review
The American National Bank of Texas	0.40%	$10,000	-	Learn More Add Review
Veritex Community Bank	0.40%	$10,000	-	Learn More Add Review
The Roscoe State Bank	0.40%	$10,000	-	Learn More Add Review
First State Bank of Uvalde	0.40%	$10,000	-	Learn More Add Review
NewFirst National Bank	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Hughes Springs	0.35%	$10,000	-	Learn More Add Review
WestStar Bank	0.35%	$2,500	-	Learn More Add Review
Metro City Bank	0.33%	$1,000	-	Learn More
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 Reviews (1)
SNB Bank, National Association	0.31%	$10,000	-	Learn More Add Review
UMB Bank, National Association	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
The National Bank of Texas at Fort Worth	0.30%	$10,000	-	Learn More Add Review
Broadway National Bank	0.30%	$10,000	-	Learn More
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 Reviews (1)
Washington Federal Bank	0.25%	$1,000	-	Learn More
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 Reviews (2)
First United Bank and Trust Company	0.25%	$10,000	-	Learn More Add Review
Origin Bank	0.25%	$10,000	-	Learn More
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 Reviews (1)
East West Bank	0.20%	$10,000	-	Learn More
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 Reviews (2)
First State Bank	0.20%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.15%	$500	-	Learn More
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 Reviews (3)
Comerica Bank	0.15%	$1	-	Learn More
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 Reviews (1)
The Brenham National Bank	0.15%	$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)
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Anthem Bank & Trust	0.10%	$10,000	-	Learn More Add Review
Citizens Bank	0.06%	$1,000	-	Learn More Add Review
Regions Bank	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
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)
Citizens National Bank of Texas	0.00%	$10,000	-	Learn More Add Review

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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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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