Best 4-Year CD Rates in Wisconsin, WI

You are viewing rates from banks across Wisconsin

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

WI - December 23, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
Nicolet National Bank	4.25% 3.50%	$2,500 $2,501	-	Learn More
Rate History: 3.60% → 3.30% → 3.75% → 4.00% → 4.25%
Jim Doe \| Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More Reviews (2)
Spring Bank	4.10% 3.75%	$100,000 $1,000	-	Learn More Add Review
Bank Five Nine	4.00%	$100	-	Learn More Add Review
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)
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)
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)
Johnson Bank	2.85%	$2,000	-	Learn More Add Review
Rate History: 3.65% → 3.10% → 2.75% → 2.65% → 2.85%
Bank First, N.A.	2.78%	$1,000	-	Learn More Add Review
Rate History: 3.02% → 2.78%
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Bremer Bank, National Association	2.50% 2.35%	$25,000 $10,000	-	Learn More Add Review
Rate History: 2.75% → 2.50%
Hiawatha National Bank	2.02%	$500	-	Learn More Add Review
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)
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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)
Unity Bank	1.45%	$100,000	-	Learn More Add Review
Oakwood Bank	1.36%	$10,000	-	Learn More Add Review
BMO Bank National Association	1.35%	$1,000	-	Learn More
Rate History: 0.15% → 1.35% → 4.00% → 1.35%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Unity Bank	1.35%	$500	-	Learn More Add Review
The Farmers & Merchants Bank	1.35%	$500	-	Learn More Add Review
Rate History: 0.60% → 1.35%
Cumberland Federal Bank, FSB	1.26%	$500	-	Learn More Add Review
Waldo State Bank	1.26%	$10,000	-	Learn More Add Review
Union State Bank of West Salem	1.26%	$10,000	-	Learn More Add Review
Byline Bank	1.25%	$5,000	-	Learn More Add Review
State Bank Financial	1.25%	$100,000	-	Learn More Add Review
Columbia Savings and Loan Association	1.25%	$10,000	-	Learn More Add Review
Great North Bank	1.20%	$10,000	-	Learn More Add Review
Bank of Lake Mills	1.20%	$10,000	-	Learn More Add Review
Park Bank	1.17%	$10,000	-	Learn More Add Review
Shell Lake State Bank	1.16%	$10,000	-	Learn More Add Review
Community Bank of Cameron	1.15%	$100,000	-	Learn More Add Review
Citizens First Bank	1.15%	$100,000	-	Learn More Add Review
Black River Country Bank	1.15%	$10,000	-	Learn More Add Review
Ergo Bank	1.15%	$10,000	-	Learn More Add Review
Headwaters State Bank	1.15%	$10,000	-	Learn More Add Review
GreenLeaf Bank	1.11%	$10,000	-	Learn More Add Review
Community Bank of Cameron	1.10%	$10,000	-	Learn More Add Review
Waumandee State Bank	1.10%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank	1.10%	$100,000	-	Learn More Add Review
Intercity State Bank	1.10%	$10,000	-	Learn More Add Review
Marathon Bank	1.10%	$10,000	-	Learn More Add Review
Alliance Bank	1.06%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank	1.05%	$10,000	-	Learn More Add Review
West Pointe Bank	1.00%	$1,000	-	Learn More Add Review
Citizens State Bank of Loyal	1.00%	$50,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Premier Community Bank	1.00%	$100,000	-	Learn More Add Review
Prevail Bank	1.00%	$50,000	-	Learn More Add Review
Bank of Wisconsin Dells	1.00%	$10,000	-	Learn More Add Review
Oregon Community Bank	1.00%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview	1.00%	$100,000	-	Learn More Add Review
Laona State Bank	1.00%	$10,000	-	Learn More Add Review
The Benton State Bank	1.00%	$10,000	-	Learn More Add Review
Ixonia Bank	1.00%	$10,000	-	Learn More Add Review
BLC Community Bank	1.00%	$10,000	-	Learn More Add Review
The First Bank of Baldwin	1.00%	$500	-	Learn More Add Review
Bank of Luxemburg	0.99%	$10,000	-	Learn More Add Review
Cleveland State Bank	0.95%	$10,000	-	Learn More Add Review
Peoples State Bank of Plainview	0.95%	$10,000	-	Learn More Add Review
State Bank Financial	0.95%	$10,000	-	Learn More Add Review
Banner Banks	0.95%	$10,000	-	Learn More Add Review
Oregon Community Bank	0.90%	$10,000	-	Learn More Add Review
Prevail Bank	0.90%	$1,000	-	Learn More Add Review
TSB Bank	0.90%	$10,000	-	Learn More Add Review
The Greenwood's State Bank	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank	0.90%	$10,000	-	Learn More Add Review
PyraMax Bank, FSB	0.90%	$10,000	-	Learn More Add Review
The Port Washington State Bank	0.90%	$10,000	-	Learn More Add Review
First National Community Bank	0.90%	$10,000	-	Learn More Add Review
First Citizens State Bank	0.90%	$10,000	-	Learn More Add Review
KeySavings Bank	0.90%	$10,000	-	Learn More Add Review
Bay Bank	0.85%	$500	-	Learn More Add Review
Citizens First Bank	0.85%	$10,000	-	Learn More Add Review
State Bank of Chilton	0.85%	$10,000	-	Learn More Add Review
Horicon Bank	0.85%	$10,000	-	Learn More Add Review
Bank of Sun Prairie	0.85%	$10,000	-	Learn More Add Review
Mayville Savings Bank	0.85%	$500	-	Learn More Add Review
The Peshtigo National Bank	0.85%	$10,000	-	Learn More Add Review
Bristol Morgan Bank	0.85%	$10,000	-	Learn More Add Review
River Falls State Bank	0.85%	$10,000	-	Learn More Add Review
The Bank of Kaukauna	0.80%	$500	-	Learn More Add Review
Royal Bank	0.80%	$10,000	-	Learn More Add Review
Citizens Bank	0.80%	$100,000	-	Learn More Add Review
Bank of Mauston	0.80%	$10,000	-	Learn More Add Review
American Bank of Beaver Dam	0.80%	$10,000	-	Learn More Add Review
Highland State Bank	0.80%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin	0.80%	$100,000	-	Learn More Add Review
American National Bank - Fox Cities	0.80%	$10,000	-	Learn More Add Review
Bank of Milton	0.80%	$10,000	-	Learn More Add Review
The Equitable Bank, S.S.B.	0.75%	$500	-	Learn More Add Review
Bluff View Bank	0.75%	$10,000	-	Learn More Add Review
River Bank	0.75%	$10,000	-	Learn More Add Review
DMB Community Bank	0.75%	$10,000	-	Learn More Add Review
Bank of Deerfield	0.75%	$500	-	Learn More Add Review
Union Federal Savings and Loan Association	0.75%	$10,000	-	Learn More Add Review
Clare Bank, National Association	0.75%	$10,000	-	Learn More Add Review
The Bank of Brodhead	0.75%	$10,000	-	Learn More Add Review
AbbyBank	0.75%	$10,000	-	Learn More Add Review
East Wisconsin Savings Bank	0.75%	$10,000	-	Learn More Add Review
The International Bank of Amherst	0.75%	$100,000	-	Learn More Add Review
The Farmers State Bank of Waupaca	0.75%	$10,000	-	Learn More Add Review
The Bank of New Glarus	0.73%	$10,000	-	Learn More Add Review
Woodford State Bank	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank of Loyal	0.70%	$10,000	-	Learn More Add Review
Citizens Bank	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank	0.70%	$10,000	-	Learn More Add Review
The Stephenson National Bank and Trust	0.70%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin	0.70%	$10,000	-	Learn More Add Review
The International Bank of Amherst	0.70%	$10,000	-	Learn More Add Review
Starion Bank	0.65%	$25,000	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
State Bank of Cross Plains	0.65%	$10,000	-	Learn More
Otto Alber \| Jan 15, 2024 What is Lake Ridge Bank SWIFT Code? Read More Reviews (1)
The Park Bank	0.65%	$10,000	-	Learn More
nosnah-nej-erif \| Jan 29, 2022 Discriminatory and unfair practices including closing accounts for reasons they so choose of those who are non-caucasion, lower incomes and older in age but do not follow the same guidelines for white, wea... Read More Reviews (1)
State Bank of Reeseville	0.65%	$1,000	-	Learn More Add Review
The Peoples Community Bank	0.65%	$10,000	-	Learn More Add Review
The Pineries Bank	0.65%	$10,000	-	Learn More Add Review
Forward Bank	0.63%	$100,000	-	Learn More Add Review
First State Bank	0.61%	$10,000	-	Learn More Add Review
Merchants Bank, National Association	0.60%	$10,000	-	Learn More Add Review
Starion Bank	0.60%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Premier Community Bank	0.60%	$10,000	-	Learn More Add Review
Farmers Savings Bank	0.60%	$10,000	-	Learn More Add Review
PremierBank	0.60%	$10,000	-	Learn More Add Review
First Resource Bank	0.60%	$100,000	-	Learn More Add Review
First State Bank and Trust	0.60%	$10,000	-	Learn More Add Review
FORTE BANK	0.60%	$500	-	Learn More Add Review
Home Federal Savings Bank	0.60%	$100,000	-	Learn More Add Review
Forward Bank	0.58%	$10,000	-	Learn More Add Review
National Bank of Commerce	0.55%	$100,000	-	Learn More Add Review
Citizens Community Federal National Association	0.55%	$10,000	-	Learn More Add Review
Collins State Bank	0.55%	$10,000	-	Learn More Add Review
Peoples State Bank	0.55%	$100,000	-	Learn More Add Review
Capitol Bank	0.55%	$10,000	-	Learn More Add Review
Community First Bank	0.55%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.55%	$100,000	-	Learn More Add Review
Community First Bank	0.51%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank & Trust	0.51%	$10,000	-	Learn More Add Review
Tomahawk Community Bank S.S.B.	0.50%	$1,000	-	Learn More Add Review
Superior Savings Bank	0.50%	$500	-	Learn More Add Review
The First National Bank of River Falls	0.50%	$2,500	-	Learn More Add Review
National Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
Fox Valley Savings Bank	0.50%	$500	-	Learn More
LLoomiscr@gmail.com \| Dec 31, 2021 Loan Agent strung me along for 6 months cost me a lot of money, Dishonest told me 3 times under writer approved the loan but in the end he didnt want to do it,guys on a power trip very unprofessional Bewar... Read More Reviews (1)
The Huntington National Bank	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Fortifi Bank	0.50%	$10,000	-	Learn More Add Review
National Exchange Bank and Trust	0.50%	$10,000	-	Learn More Add Review
Security State Bank	0.50%	$10,000	-	Learn More Add Review
MidWestOne Bank	0.50%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association	0.50%	$10,000	-	Learn More Add Review
WaterStone Bank, SSB	0.50%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.50%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Wolf River Community Bank	0.50%	$10,000	-	Learn More
Depositor \| Feb 23, 2018 Strange bank. Connected to murder and suicide since 2006 Read More Reviews (1)
First Resource Bank	0.50%	$10,000	-	Learn More Add Review
First Federal Bank of Wisconsin	0.50%	$10,000	-	Learn More Add Review
Westbury Bank	0.50%	$10,000	-	Learn More Add Review
Peoples State Bank	0.45%	$10,000	-	Learn More Add Review
Tri City National Bank	0.45%	$10,000	-	Learn More Add Review
CIBC Bank USA	0.45%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
The First National Bank and Trust Company	0.40%	$1,000	-	Learn More Add Review
WOODTRUST BANK	0.40%	$10,000	-	Learn More Add Review
Waukesha State Bank	0.40%	$10,000	-	Learn More Add Review
Old National Bank	0.35%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
CIBM Bank	0.35%	$10,000	-	Learn More
theee \| Dec 26, 2017 Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More Reviews (1)
Town Bank, National Association	0.30%	$1,000	-	Learn More Add Review
North Shore Bank, FSB	0.30%	$10,000	-	Learn More Add Review
Home Federal Savings Bank	0.30%	$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)
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)
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)
Associated Bank, National Association	0.01%	$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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Wisconsin CD Rates – 4-Year

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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