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. Four Year CDs rates from online banks are often higher than the national average.
Highest Four-Year Online CD Rates - July 30, 2025
4 Year CD National Average: 0.82% ?
| BANK | APY? | MIN? | |
|---|---|---|---|
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4.15% | $10,000 | Learn More |
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Early Withdrawal Penalty is 365 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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4.10% | $500 | Learn More |
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Rate History: 3.95% → 4.25% → 4.30% → 4.15% → 4.10% |
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HonestReview | Apr 19, 2023 This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. |
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4.05% | $25,000 | Learn More |
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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Frank M | Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. |
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4.00% | $500 | Learn More |
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Early Withdrawal Penalty is 90 days interest. |
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JBaker65 | May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. |
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4.00% | $1,500 | Learn More |
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Early withdrawal penalty is 365 days interest. |
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m abram | Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More |
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3.97% | $1,000 | Learn More |
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Early Withdrawal Penalty is 360 days interest. |
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Beenthere | Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. |
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3.75% | $500 | Learn More |
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Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75% |
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A Terkowitz | Feb 15, 2024 best bank on the list but no longer the most competitive Read More |
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3.75% | $500 | Learn More |
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Early Withdrawal Penalty is 90 days interest. |
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. |
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3.75% | $1,000 | Learn More |
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Early Withdrawal Penalty is 180 days interest. |
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Yat 1965 | Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner |
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3.70% | $1,000 | Learn More |
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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 ... |
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3.67% | $10,000 | Learn More |
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Warning: Early withdrawal penalty is 2% of principal |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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3.65% | $1,000 | Learn More |
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Frank | Apr 8, 2019 Their online interface is circa 2004. They limit the number of accounts you can set up for ACH. And they sit on ACH transfers.... for days. Not sure if the good rates are worth it. Read More |
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3.60% | $0 | Learn More |
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Rate History: 3.00% → 3.60% |
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Dev1ldog | Nov 8, 2023 I see nothing exciting about AmEx Bank. Sign on is a hassle and the rates are adequate. Multiple accounts are not summarized. To cancel maturing CDs require phoning in or snail mail. Above average serv... Read More |
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3.60% | $25,000 | Learn More |
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Rate History: 3.00% → 3.40% → 3.60% |
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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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3.50% | $0 | Learn More |
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Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50% |
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Rad | Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More |
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3.50% | $0 | Learn More |
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Rate History: 4.00% → 3.90% → 3.90% → 3.50% |
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mcriss | Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More |
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3.50% | $0 | Learn More |
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Early Withdrawal Penalty is 6 months interest. |
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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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3.50% | $500 | Learn More |
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Rate History: 4.00% → 3.75% → 3.50% |
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Mike Brown | Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More |
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3.50% | $1,000 | Learn More |
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Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50% |
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smithy1968 | Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More |
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3.50% | $2,500 | Learn More |
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Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50% |
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AVOID_ READ_CAREFULLY | Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More |
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3.25% | $0 | Learn More |
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Early Withdrawal Penalty is 180 days interest. |
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LenaL | May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... |
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Restrictions |
3.20% | $1,000 | Learn More |
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Rate History: 3.80% → 3.20% |
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Rob | Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... |
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Restrictions |
3.10% | $100,000 | Learn More |
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Rate History: 3.56% → 4.06% → 3.55% → 3.21% → 3.10% |
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Josh Hinson | Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... |
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3.00% | $500 |
Learn More
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Early Withdrawal Penalty is 24 months interest. |
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3.00% | $500 | Learn More |
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Rate History: 0.20% → 4.40% → 4.05% → 3.00% |
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Dudley | Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More |
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3.00% | $5,000 |
Learn More
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Early Withdrawal Penalty is 12 months interest. |
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2.75% | $0 | Learn More |
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Early Withdrawal Penalty is 180 days interest. |
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Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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2.75% | $500 | Learn More |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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2.75% | $5,000 | Learn More |
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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2.75% | $5,000 | Learn More |
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Rate History: 3.00% → 2.75% |
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Dana E. | Mar 20, 2016 Good solid bank. |
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Restrictions |
2.65% | $500 |
Learn More
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Rate History: 3.00% → 2.95% → 2.25% → 2.65% |
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2.50% | $1,000 | Learn More |
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Early Withdrawal Penalty is all interest earned |
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Jeffinnh | Mar 30, 2021 These guys are the best local bank. Very responsive. |
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2.27% | $1,000 | Learn More |
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rick | Nov 3, 2023 site does not update at all, totally wrong rates listed |
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Restrictions |
2.02% | $500 | Learn More |
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Rate History: 4.50% → 4.35% → 4.08% → 3.30% → 2.02% |
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member | Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... |
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2.00% | $0 | Learn More |
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Rate History: 2.00% → 3.00% → 2.00% |
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Stella | Apr 30, 2019 No issues. I feel confident using them. Read More |
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1.60% | $1,000 |
Learn More
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1.50% | $1,000 |
Learn More
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Rate History: 1.50% → 1.75% → 1.50% |
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1.25% | $1,000 | Learn More |
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Rate History: 2.50% → 1.25% |
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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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1.05% | $500 | Learn More |
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Savvysaver | Nov 9, 2020 Here's what you will need: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating "Zip code is not valid for this ap... |
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1.00% | $1,000 |
Learn More
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0.50% | $1,000 | 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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0.25% | $10,000 | Learn More |
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UtahJazz1 | Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More |
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0.20% | $1,000 | Learn More |
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JR48 | Dec 21, 2022 Stay away from this bait and switch bank that uses teaser rates. They lowered my interest rate twice in the first 2 months of opening my account. They said they had the right to change their rate at any ti... Read More |
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0.15% | $500 |
Learn More
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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.
