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You are viewing rates from banks across Florence
Below are four-year CD Rates from banks in Alabama . 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.
Florence, AL - August 2, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
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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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4.05% |
$25,000 |
- |
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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. Read More |
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3.01% |
$1,000 |
22.74 |
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Rate History: 3.01% → 4.02% → 3.02% → 3.01% |
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2.75% |
$500 |
- |
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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 |
- |
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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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1.25% |
$10,000 |
11.86 |
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1.05% |
$10,000 |
0.99 |
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0.75% |
$10,000 |
23.81 |
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Terry | Jun 7, 2018 Fabulous bank Read More |
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0.75% |
$10,000 |
5.17 |
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0.75% |
$10,000 |
18.71 |
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0.65% |
$10,000 |
1.42 |
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0.50% |
$1,000 |
- |
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RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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0.50% |
$10,000 |
22.34 |
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0.25% |
$10,000 |
- |
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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 |
- |
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wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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0.05% 0.01% |
$2,501 $2,500 |
5.08 |
Learn More
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Rate History: 0.03% → 0.05% |
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| Branch | Street | City | State |
|---|---|---|---|
|
Bank Independent Russellville Village Square Branch |
13566 Highway 43 | Russellville | AL |
|
The Farmers & Merchants Bank Florence Branch |
11345 State Highway 20 | Florence | AL |
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PeoplesTrust Bank Florence Branch |
1131 Willis Avenue | Florence | AL |
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CB&S Bank, Inc. Franklin Plaza Branch |
14015 Highway 43 | Russellville | AL |
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First Southern Bank Muscle Shoals Branch |
1027 Avalon Avenue | Muscle Shoals | AL |
|
Citizens Bank & Trust Rogersville Branch |
Market Square | Rogersville | AL |
|
FirstBank Firstbank Mortgage Partners Branch |
117 Court Street | Florence | AL |
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Community Spirit Bank Russellville Branch |
14009 Highway 43 | Russellville | AL |
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Regions Bank Muscle Shoals Branch |
700 East Avalon Avenue | Muscle Shoals | AL |
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Regions Bank Muscle Shoals Branch |
700 East Avalon Avenue | Muscle Shoals | AL |
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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