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You are viewing rates from banks across Huntsville
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.
Huntsville, AL - August 2, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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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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4.05% |
$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. Read More |
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3.56% |
$1,000 |
10.02 |
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3.01% |
$1,000 |
0.57 |
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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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1.30% |
$500 |
10.64 |
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Rate History: 1.00% → 1.30% → 1.40% → 1.30% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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0.85% |
$10,000 |
1.38 |
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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 |
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0.80% |
$10,000 |
21.44 |
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0.75% |
$10,000 |
9.54 |
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Terry | Jun 7, 2018 Fabulous bank Read More |
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0.75% |
$10,000 |
2.49 |
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0.75% |
$10,000 |
15.55 |
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0.71% |
$10,000 |
5.63 |
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0.65% |
$10,000 |
0.64 |
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0.65% |
$100,000 |
0.73 |
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0.55% |
$10,000 |
0.73 |
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0.55% |
$10,000 |
8.66 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.50% |
$1,000 |
- |
Learn More
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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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0.45% |
$10,000 |
9.00 |
Learn More
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deb | Jun 11, 2015 Synovus no longer offers this rate as of 5/8/2015---I called and asked 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 |
- |
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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 |
10.17 |
Learn More
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
9.25 |
Learn More
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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 |
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| Branch | Street | City | State |
|---|---|---|---|
|
EvaBank Evabank Branch |
3810 Sullivan Street | Madison | AL |
|
Bank Independent Huntsville Branch |
132 Holmes Ave Nw | Huntsville | AL |
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Woodforest National Bank 8104 Huntsville Alabama Branch |
8580 Highway 72 W | Madison | AL |
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First National Bank of Pulaski Huntsville Branch |
2101 Clinton Ave., Suite 101 | Huntsville | AL |
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Peoples Bank of Alabama Somerville Branch |
5276 Highway 67 | Somerville | AL |
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CB&S Bank, Inc. Madison Branch |
8018 Highway 72 | Madison | AL |
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Southern States Bank Southern States Bank Branch |
4800 Whitesburg Drive Se, Suite 43 | Huntsville | AL |
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Citizens Bank & Trust Hazel Green Branch |
13870 Highway 231/431 North | Hazel Green | AL |
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ServisFirst Bank Huntsville - Research Park Branch |
1267-A Enterprise Way | Huntsville | AL |
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FirstBank Huntsville Branch |
720 Gallatin Street Sw, Suite 150 | Huntsville | AL |
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Bryant Bank Huntsville Branch |
415 Church Street, Suite H | Huntsville | AL |
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Bryant Bank Huntsville Branch |
415 Church Street, Suite H | Huntsville | AL |
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Renasant Bank Madison Branch |
7600 Highway 72 West | Madison | AL |
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Synovus Bank Madison Branch |
7770 Highway 72 West | Madison | AL |
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Regions Bank Madison Al Branch |
8926 Madison Boulevard | Madison | AL |
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PNC Bank, National Association North Madison Branch |
7930 U.S. Highway 72 West | Madison | AL |
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Regions Bank Madison Al Branch |
8926 Madison Boulevard | Madison | 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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