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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Madison
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.
Madison, AL - October 31, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.70% |
$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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3.56% |
$1,000 |
12.18 |
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3.01% |
$1,000 |
12.00 |
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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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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. 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 |
18.00 |
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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 |
14.88 |
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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 |
9.85 |
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0.75% |
$10,000 |
12.04 |
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Terry | Jun 7, 2018 Fabulous bank Read More |
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0.75% |
$10,000 |
22.75 |
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0.71% |
$10,000 |
10.12 |
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0.65% |
$10,000 |
13.26 |
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0.65% |
$100,000 |
13.23 |
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0.55% |
$10,000 |
13.23 |
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0.55% |
$10,000 |
12.27 |
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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 |
- |
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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 |
9.19 |
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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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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.05% 0.01% |
$501 $500 |
12.77 |
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
12.01 |
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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 |
|---|---|---|---|
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EvaBank Decatur Branch |
2404 Danville Road | Decatur | AL |
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Bank Independent Decatur Beltline Branch |
1425 Beltline Road Sw | Decatur | AL |
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Woodforest National Bank Al Athens Branch |
1011 U.S. Hwy 72 East | Athens | AL |
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First National Bank of Pulaski Athens Downtown Branch |
321 South Jefferson Street | Athens | AL |
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Peoples Bank of Alabama Sixth Street Branch |
401 Lee Street Ne | Decatur | AL |
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CB&S Bank, Inc. Decatur Branch |
1825 Beltline Road, Sw | Decatur | AL |
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Citizens Bank & Trust Elkmont Branch |
25530 Alabama Highway 127 | Elkmont | 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 Decatur Cedar Ridge Branch |
1830 Modaus Road | Decatur | AL |
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Synovus Bank Madison Branch |
7770 Highway 72 West | Madison | AL |
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Regions Bank Southwest Decatur Branch |
1833 Beltline Highway Sw | Decatur | AL |
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PNC Bank, National Association Beltline Branch |
1715 Beltline Road, Southwest | Decatur | AL |
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Regions Bank Southwest Decatur Branch |
1833 Beltline Highway Sw | Decatur | 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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