You are viewing local cd rates around: Virginia, VA 20146


CD Rates – 4 Year – Ashburn, Virginia 2017

Below are four year CD Rates from banks that are located within 20 miles of your location. 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.

Ashburn, VA - November 22, 2017

4 Year CD National Average : 1.05% ?

Bank APY MIN MILES ?
1.80% $1,000 10.31
1.75% $500 9.63
1.71% $1,000 5.30
1.70% $1,000 13.41
1.70% $1,000 0.74
1.70% $1,000 2.37
1.70% $1,000 14.78
1.70% $1,000 3.87
1.70% $1,000 13.96
1.50% $1,000 16.00
1.45% $10,000 5.10
1.41% $50,000 5.81
1.36% $10,000 5.81
1.35% $1,000 7.59
1.30% $500 15.97
1.26% $0 2.24
1.25% $1,000 2.24
1.20% $500 7.45
1.10% $1,000 8.26
1.10% $100 18.68
1.06% $500 16.04
1.04% $1,000 14.47
1.00% $1,000 14.18
0.80% $10,000 15.32
0.75% $500 1.80
0.75% $1,000 14.20
0.70% $100,000 0.73
0.70% $100,000 13.60
0.65% $10,000 1.53
0.65% $10,000 13.50
0.65% $1,000 6.41
0.55% $10,000 0.73
0.55% $10,000 13.60
0.50% $10,000 6.42
0.50% $10,000 14.81
0.50% $500 3.37
0.45% $500 17.79
0.45% $10,000 0.92
0.45% $10,000 8.08
0.35% $1,000 1.49
0.35% $1,000 8.08
0.30% $10,000 1.60
0.30% $10,000 11.05
0.30% $10,000 5.91
0.25% $10,000 0.96
0.25% $10,000 13.52

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2017

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

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

CD Products by State