Best 4-Year CD Rates in Homewood, Alabama, AL

You are viewing rates from banks across Homewood

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.

Homewood, AL - August 2, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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 Reviews (2)
EvaBank Evabank Branch	3.56%	$1,000	-	Learn More Add Review
Synchrony Bank United Bank Branch	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
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
Capital One 360 Attalla Branch	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Bank Independent Moulton Branch	3.01%	$1,000	-	Learn More Add Review
Rate History: 3.01% → 4.02% → 3.02% → 3.01%
MainStreet Bank Phenix-Girard Bank Branch	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank Merchants Bank Of Alabama Branch	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens Peoples Exchange Bank Branch	2.75%	$5,000	-	Learn More Add Review
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
Farmers and Merchants Bank Farmers And Merchants Bank Branch	2.52%	$1,000	-	Learn More Add Review
Rate History: 1.76% → 1.25% → 2.52%
Union State Bank Union State Bank Branch	1.50%	$500	-	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	1.50%	$10,000	-	Learn More Add Review
Metro Bank Metro Bank Branch	1.50%	$10,000	-	Learn More Add Review
Woodforest National Bank 8049 Birmingham Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Millennial Bank Covenant Bank Branch	1.25%	$10,000	-	Learn More Add Review
Cullman Savings Bank Cullman Savings Bank Branch	1.25%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	1.25%	$10,000	-	Learn More Add Review
NobleBank & Trust Noblebank & Trust Branch	1.15%	$10,000	-	Learn More
kdm0030 \| Jan 13, 2023 Disappointed! Wellsfargo is not great but better than Noble. Read More Reviews (1)
The Exchange Bank of Alabama Attalla Branch	1.15%	$10,000	-	Learn More Add Review
PeoplesTrust Bank Hackleburg Branch	1.05%	$10,000	-	Learn More Add Review
The Hometown Bank of Alabama The Hometown Bank Of Alabama Branch	1.00%	$10,000	-	Learn More
OldCrone \| Mar 16, 2023 The branch manager is unavailable and doesnt care what goes on as long as he is not bothered. The tellers are rude and referr to customers who ask for help as " special needs customers". Read More Reviews (1)
First Community Bank of Central Alabama First Community Bank Of Central Alab Branch	0.95%	$10,000	-	Learn More Add Review
First Bank of Alabama The First Bank Of Alabama Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Bank & Trust, Inc. Sand Mountain Branch	0.90%	$500	-	Learn More Add Review
Liberty Bank Collinsville Branch	0.89%	$10,000	-	Learn More Add Review
The Commercial Bank Of Ozark The Commercial Bank Of Ozark Branch	0.88%	$10,000	-	Learn More Add Review
First National Bank of Pulaski Huntsville Branch	0.85%	$10,000	-	Learn More
Tim, In Pulaski TN \| Aug 10, 2022 1st National Bank of Tennessee is not, in my opinion, a mobile friendly bank. Be aware that they do not have a 1-800 number on their cards. So, if it happens to be a weekend and you're out of town trying... Read More Reviews (1)
Central State Bank Central State Bank Branch	0.85%	$10,000	-	Learn More
Bob Kuehner \| Apr 23, 2020 If you're not with Central State Bank and you're in business... why the heck not? I've been with CSB since 2007. In that time they've provided top tier service and a down home feel. My most recent exper... Read More Reviews (1)
SouthPoint Bank Southpoint Bank Branch	0.85%	$10,000	-	Learn More Add Review
22nd State Bank First Exchange Bank Of Alabama Branch	0.85%	$10,000	-	Learn More Add Review
HNB First Bank Hnb First Bank Branch	0.80%	$10,000	-	Learn More Add Review
MidSouth Bank Eufaula Branch	0.80%	$10,000	-	Learn More
Chadpatt \| Jun 14, 2021 I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More Reviews (1)
Peoples Bank of Alabama Peoples Bank Of Alabama Branch	0.80%	$10,000	-	Learn More Add Review
CB&S Bank, Inc. Phil Campbell Branch	0.75%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
Liberty Bank and Trust Company Tuskegee Branch	0.75%	$10,000	-	Learn More Add Review
Southern States Bank Sylacauga Branch	0.75%	$10,000	-	Learn More Add Review
First Fidelity Bank First Fidelity Bank Branch	0.75%	$10,000	-	Learn More Add Review
First Southern Bank First Southern Bank Branch	0.75%	$10,000	-	Learn More Add Review
First Southern State Bank First Southern State Bank Branch	0.75%	$10,000	-	Learn More Add Review
West Alabama Bank & Trust Aliceville Branch	0.75%	$1,000	-	Learn More
Gavin Howard \| Mar 4, 2023 OMB controller currency CFPB mortgage loans originator regulation G 3170-0005 requested full disclosure Read More Reviews (1)
Citizens Bank & Trust Citizens Bank & Trust Branch	0.75%	$10,000	-	Learn More Add Review
First Federal Bank, A FSB First Federal Bank, A Fsb Branch	0.75%	$500	-	Learn More Add Review
ServisFirst Bank Servisfirst Bank Branch	0.71%	$10,000	-	Learn More Add Review
Pinnacle Bank Pinnacle Bank Branch	0.70%	$10,000	-	Learn More Add Review
FirstBank Huntsville Branch	0.65%	$10,000	-	Learn More Add Review
The First National Bank and Trust The First National Bank And Trust Branch	0.65%	$10,000	-	Learn More Add Review
PeoplesSouth Bank Peoples Community Columbia Branch	0.65%	$10,000	-	Learn More Add Review
Bryant Bank Bryant Bank Branch	0.65%	$100,000	-	Learn More Add Review
First Community Bank of Cullman First Community Bank Of Cullman Branch	0.60%	$500	-	Learn More Add Review
Armed Forces Bank, National Association Rucker Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Commonwealth National Bank Commonwealth National Bank Branch	0.56%	$10,000	-	Learn More Add Review
Bryant Bank Bryant Bank Branch	0.55%	$10,000	-	Learn More Add Review
Renasant Bank Columbiana Branch	0.55%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
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
Community Bank and Trust - Alabama Community Bank And Trust - Alabama Branch	0.50%	$10,000	-	Learn More Add Review
Century Bank Mobile County Bank Branch	0.50%	$10,000	-	Learn More Add Review
Merchants & Marine Bank Gulf Shores Branch	0.50%	$10,000	-	Learn More Add Review
Community Spirit Bank Community Spirit Bank Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank of Mississippi Airport Boulevard Branch	0.50%	$10,000	-	Learn More Add Review
AuburnBank Auburnbank Branch	0.45%	$500	-	Learn More Add Review
Synovus Bank Dora Branch	0.45%	$10,000	-	Learn More
deb \| Jun 11, 2015 Synovus no longer offers this rate as of 5/8/2015---I called and asked Read More Reviews (1)
Citizens Trust Bank Third Avenue Branch	0.40%	$10,000	-	Learn More Add Review
AmeriFirst Bank Amerifirst Bank Branch	0.40%	$10,000	-	Learn More Add Review
CCB Community Bank Ccb Community Bank Branch	0.40%	$500	-	Learn More Add Review
First Cahawba Bank First Cahawba Bank Branch	0.35%	$10,000	-	Learn More Add Review
Citizens' Bank, Inc. Citizens' Bank, Inc. Branch	0.35%	$1,000	-	Learn More Add Review
Centennial Bank Gulf Shores Branch	0.35%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
Metro City Bank Opelika Branch	0.33%	$1,000	-	Learn More
thedon \| Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More Reviews (1)
Phenix-Girard Bank Phenix-Girard Bank Branch	0.30%	$10,000	-	Learn More
username \| Nov 5, 2021 only if you are a customer Read More Reviews (5)
BankFirst Financial Services Tuscaloosa County Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
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
Ameris Bank Dothan Branch	0.20%	$10,000	-	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
Troy Bank & Trust Company Troy Bank & Trust Company Branch	0.16%	$10,000	-	Learn More Add Review
Friend Bank Friend Bank Branch	0.10%	$10,000	-	Learn More Add Review
Regions Bank Arab 1199 Brindlee Mountain Pkwy Bra Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
PNC Bank, National Association First Citizens Bank Branch	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)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
EvaBank Evabank Branch	4113 Eva Road	Eva	AL
Synchrony Bank United Bank Branch	200 East Nashville Avenue	Atmore	AL
Capital One 360 Attalla Branch	923 Attalla Boulevard	Attalla	AL
Bank Independent Moulton Branch	15259 Court Street	Moulton	AL
MainStreet Bank Phenix-Girard Bank Branch	801 13th Street	Phenix City	AL
ableBanking, a division of Northeast Bank Merchants Bank Of Alabama Branch	900 Second Avenue, Sw	Cullman	AL
Citizens Peoples Exchange Bank Branch	2013 Highway 21 Bypass	Monroeville	AL
Farmers and Merchants Bank Farmers And Merchants Bank Branch	112 East Ladiga Street	Piedmont	AL
Union State Bank Union State Bank Branch	15 20th Street North	Pell City	AL
The Citizens Bank The Citizens Bank Branch	301 South Edwards Street	Enterprise	AL
Metro Bank Metro Bank Branch	800 Martin Street South	Pell City	AL
Woodforest National Bank 8049 Birmingham Branch	1600 Mont Claire Road	Birmingham	AL
Millennial Bank Covenant Bank Branch	7924 Parkway Drive	Leeds	AL
Cullman Savings Bank Cullman Savings Bank Branch	316 Second Avenue S.W.	Cullman	AL
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	320 Main St	Waterloo	AL
NobleBank & Trust Noblebank & Trust Branch	1509 Quintard Avenue	Anniston	AL
The Exchange Bank of Alabama Attalla Branch	923 Attalla Boulevard	Attalla	AL
PeoplesTrust Bank Hackleburg Branch	34888 U.S. Highway 43	Hackleburg	AL
The Hometown Bank of Alabama The Hometown Bank Of Alabama Branch	2002 2nd Avenue, East	Oneonta	AL
First Community Bank of Central Alabama First Community Bank Of Central Alab Branch	715 Wilson Street	Wetumpka	AL
First Bank of Alabama The First Bank Of Alabama Branch	120 East North Street	Talladega	AL
Citizens Bank & Trust, Inc. Sand Mountain Branch	29316 Alabama Highway 71	Higdon	AL
Liberty Bank Collinsville Branch	5350 Alabama Highway 68	Collinsville	AL
The Commercial Bank Of Ozark The Commercial Bank Of Ozark Branch	208 South Merrick Avenue	Ozark	AL
First National Bank of Pulaski Huntsville Branch	2101 Clinton Ave., Suite 101	Huntsville	AL
Central State Bank Central State Bank Branch	11025 Hwy 25	Calera	AL
SouthPoint Bank Southpoint Bank Branch	3501 Grandview Parkway	Birmingham	AL
22nd State Bank First Exchange Bank Of Alabama Branch	1920 Main Street	Louisville	AL
HNB First Bank Hnb First Bank Branch	40 Main Street	Headland	AL
MidSouth Bank Eufaula Branch	230 South Eufaula Avenue	Eufaula	AL
Peoples Bank of Alabama Peoples Bank Of Alabama Branch	1912 Cherokee Avenue, Sw	Cullman	AL
CB&S Bank, Inc. Phil Campbell Branch	3571 Broad Street	Phil Campbell	AL
Liberty Bank and Trust Company Tuskegee Branch	301 North Elm Street	Tuskegee	AL
Southern States Bank Sylacauga Branch	101 West Fort Williams Street	Sylacauga	AL
First Fidelity Bank First Fidelity Bank Branch	1400 Gault Avenue North	Fort Payne	AL
First Southern Bank First Southern Bank Branch	301 South Court Street	Florence	AL
First Southern State Bank First Southern State Bank Branch	80 Bank Street	Stevenson	AL
West Alabama Bank & Trust Aliceville Branch	4 3rd Avenue Northwest	Aliceville	AL
Citizens Bank & Trust Citizens Bank & Trust Branch	711 Gunter Avenue	Guntersville	AL
First Federal Bank, A FSB First Federal Bank, A Fsb Branch	1300 Mcfarland Boulevard, N.E.	Tuscaloosa	AL
ServisFirst Bank Servisfirst Bank Branch	2500 Woodcrest Place	Birmingham	AL
Pinnacle Bank Pinnacle Bank Branch	1811 Second Avenue	Jasper	AL
FirstBank Huntsville Branch	720 Gallatin Street Sw, Suite 150	Huntsville	AL
The First National Bank and Trust The First National Bank And Trust Branch	111 South Main Street	Atmore	AL
PeoplesSouth Bank Peoples Community Columbia Branch	109 East Church Street	Columbia	AL
Bryant Bank Bryant Bank Branch	1550 Mcfarland Boulevard North	Tuscaloosa	AL
First Community Bank of Cullman First Community Bank Of Cullman Branch	420 2nd Avenue, Sw	Cullman	AL
Armed Forces Bank, National Association Rucker Branch	Building 9207	Fort Rucker	AL
Commonwealth National Bank Commonwealth National Bank Branch	2214 St. Stephens Road	Mobile	AL
Bryant Bank Bryant Bank Branch	1550 Mcfarland Boulevard North	Tuscaloosa	AL
Renasant Bank Columbiana Branch	106 E College St	Columbiana	AL
Bank47 Community Bank And Trust - Alabama Branch	202 North Powell Street	Union Springs	AL
Century Bank Mobile County Bank Branch	Union Church Road And Highway 90	Grand Bay	AL
Merchants & Marine Bank Gulf Shores Branch	1820 South Gulf Shores Parkway	Gulf Shores	AL
Community Spirit Bank Community Spirit Bank Branch	200 4th Avenue Sw	Red Bay	AL
Community Bank of Mississippi Airport Boulevard Branch	6587 Airport Boulevard	Mobile	AL
AuburnBank Auburnbank Branch	100 North Gay Street	Auburn	AL
Synovus Bank Dora Branch	2123 Highway 78	Dora	AL
Citizens Trust Bank Third Avenue Branch	1700 Third Avenue North	Birmingham	AL
AmeriFirst Bank Amerifirst Bank Branch	104 Hardaway Avenue	Union Springs	AL
CCB Community Bank Ccb Community Bank Branch	225 East Three Notch Street	Andalusia	AL
First Cahawba Bank First Cahawba Bank Branch	2610 Citizens Parkway	Selma	AL
Citizens' Bank, Inc. Citizens' Bank, Inc. Branch	21980 Palmer Street	Robertsdale	AL
Centennial Bank Gulf Shores Branch	2201 West First Street	Gulf Shores	AL
Metro City Bank Opelika Branch	1805 Gateway Drive	Opelika	AL
Phenix-Girard Bank Phenix-Girard Bank Branch	801 13th Street	Phenix City	AL
BankFirst Financial Services Tuscaloosa County Branch	2205-C 7th Street	Tuscaloosa	AL
Ameris Bank Dothan Branch	3299 Ross Clark Circle	Dothan	AL
Troy Bank & Trust Company Troy Bank & Trust Company Branch	1000 Highway 231 South	Troy	AL
Friend Bank Friend Bank Branch	220 E. Lawrence Harris Hwy	Slocomb	AL
Regions Bank Arab 1199 Brindlee Mountain Pkwy Bra Branch	1199 N. Brindlee Mountain Parkway	Arab	AL
PNC Bank, National Association First Citizens Bank Branch	409 East Battle Street	Talladega	AL
Regions Bank Arab 1199 Brindlee Mountain Pkwy Bra Branch	1199 N. Brindlee Mountain Parkway	Arab	AL

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

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.

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Homewood, Alabama CD Rates – 4-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

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