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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Houston
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.
Houston, TX - November 28, 2024
4 Year CD National Average : 0.81% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.00% |
$10,000 |
- |
Learn More
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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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3.80% |
$1,000 |
- |
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|
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Rate History: 3.95% → 3.85% → 3.80% |
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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 |
- |
Learn More
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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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3.35% 0.35% |
$250,000 $1,000 |
- |
Learn More
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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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3.29% |
$500 |
- |
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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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|
2.00% |
$0 |
- |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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1.55% |
$100,000 |
- |
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|
Aku | May 29, 2020 Dua Read More |
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1.30% |
$500 |
- |
Learn More
|
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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% |
$10,000 |
19.07 |
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1.00% |
$100,000 |
21.60 |
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1.00% |
$10,000 |
7.76 |
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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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0.98% |
$100,000 |
17.76 |
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0.95% |
$10,000 |
21.60 |
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0.83% |
$10,000 |
17.76 |
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|
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0.75% |
$100,000 |
18.27 |
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0.70% |
$10,000 |
13.46 |
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0.70% |
$5,000 |
16.86 |
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0.70% |
$10,000 |
18.38 |
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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 |
16.96 |
Learn More
|
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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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0.61% |
$1,000 |
- |
Learn More
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hi | May 21, 2021 this bank is pooooooooooooooooooop Read More |
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0.60% |
$100,000 |
14.12 |
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0.60% |
$10,000 |
11.89 |
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0.55% |
$10,000 |
14.12 |
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|
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0.55% |
$10,000 |
6.43 |
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0.55% |
$100,000 |
9.46 |
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|
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0.50% |
$10,000 |
18.27 |
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|
|
|
0.45% |
$10,000 |
9.46 |
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|
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0.40% |
$50,000 |
- |
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0.40% |
$10,000 |
8.84 |
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0.40% |
$10,000 |
17.07 |
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0.25% |
$10,000 |
13.85 |
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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 |
17.86 |
Learn More
|
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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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0.15% |
$500 |
- |
Learn More
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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 |
- |
Learn More
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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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0.06% |
$1,000 |
20.31 |
Learn More
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0.05% 0.01% |
$2,501 $2,500 |
- |
Learn More
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Rate History: 0.03% → 0.05% |
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0.03% |
$100,000 |
- |
Learn More
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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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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.
Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.
Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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