Best 4-Year CD Rates in Alabama, AL

You are viewing rates from banks across Alabama

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.

AL - August 18, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.05% → 4.00% → 3.90% → 4.15% → 4.10%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
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)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
EvaBank Evabank Branch	3.56%	$1,000	-	Learn More Add Review
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank Summerdale 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 The Exchange Bank Of Alabama 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
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Bank Independent Hartselle 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 Hanceville 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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Farmers and Merchants Bank Oxford Branch	2.52%	$1,000	-	Learn More Add Review
Rate History: 1.76% → 1.25% → 2.52%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Union State Bank Cedar Bluff Main Branch	1.50%	$500	-	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	1.50%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Metro Bank Pell City Remote Branch	1.50%	$10,000	-	Learn More Add Review
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Woodforest National Bank 8055 Oxford Alabama Walmart 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)
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Millennial Bank Covenant Bank Branch	1.25%	$10,000	-	Learn More Add Review
Cullman Savings Bank 3201 Alabama Hwy 157 Branch	1.25%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank Florence Branch	1.25%	$10,000	-	Learn More Add Review
NobleBank & Trust Alexandria Office 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 The Exchange Bank Of Alabama Branch	1.15%	$10,000	-	Learn More Add Review
CommerceOne Bank	1.06%	$10,000	-	Learn More Add Review
PeoplesTrust Bank Hackleburg Branch	1.05%	$10,000	-	Learn More Add Review
The Hometown Bank of Alabama Snead 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)
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
First Community Bank of Central Alabama Holtville Road Branch	0.95%	$10,000	-	Learn More Add Review
First Bank of Alabama Roanoke 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 Liberty Bank Branch	0.89%	$10,000	-	Learn More Add Review
The Commercial Bank Of Ozark South Dale Branch	0.88%	$10,000	-	Learn More Add Review
First National Bank of Pulaski Athens Downtown 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)
South State Bank, National Association	0.85%	$500	-	Learn More
Justice \| Jul 22, 2021 This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More Reviews (2)
Central State Bank Limestone Office 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 Trussville Branch	0.85%	$10,000	-	Learn More Add Review
22nd State Bank First Exchange Bank - A Division Of Branch	0.85%	$10,000	-	Learn More Add Review
HNB First Bank 431 Branch	0.80%	$10,000	-	Learn More Add Review
MidSouth Bank Ashford 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 Gadsden Branch	0.80%	$10,000	-	Learn More Add Review
CB&S Bank, Inc. Hodges Branch	0.75%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
Liberty Bank and Trust Company Liberty Bank And Trust Company Branch	0.75%	$10,000	-	Learn More Add Review
Southern States Bank Birmingham Branch	0.75%	$10,000	-	Learn More Add Review
First Fidelity Bank Main Street West Branch	0.75%	$10,000	-	Learn More Add Review
First Southern Bank St. Florian Branch	0.75%	$10,000	-	Learn More Add Review
First Southern State Bank Leesburg Branch	0.75%	$10,000	-	Learn More Add Review
West Alabama Bank & Trust Gordo 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 Rogersville Branch	0.75%	$10,000	-	Learn More Add Review
First Federal Bank, A FSB Tuscaloosa Branch	0.75%	$500	-	Learn More Add Review
ServisFirst Bank Montgomery Main Branch	0.71%	$10,000	-	Learn More Add Review
Pinnacle Bank 78 Highway East Branch	0.70%	$10,000	-	Learn More Add Review
FirstBank Firstbank Mortgage Partners Branch	0.65%	$10,000	-	Learn More Add Review
The First National Bank and Trust Excel Branch Of First National Bank	0.65%	$10,000	-	Learn More Add Review
PeoplesSouth Bank Headland Branch	0.65%	$10,000	-	Learn More Add Review
Bryant Bank 280 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 2861 Springhill Ave Branch	0.56%	$10,000	-	Learn More Add Review
Bryant Bank 280 Branch	0.55%	$10,000	-	Learn More Add Review
Renasant Bank Valley Branch	0.55%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Investar Bank, National Association	0.55%	$10,000	-	Learn More Add Review
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 Vina Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank of Mississippi Fairhope Branch	0.50%	$10,000	-	Learn More Add Review
AuburnBank Notasulga Branch	0.45%	$500	-	Learn More Add Review
Synovus Bank Dothan Financial Center 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)
BankPlus	0.45%	$1,000	-	Learn More Add Review
Citizens Trust Bank Eutaw Branch	0.40%	$10,000	-	Learn More Add Review
AmeriFirst Bank Peppertree Branch	0.40%	$10,000	-	Learn More Add Review
CCB Community Bank Ccb - Opp Branch	0.40%	$500	-	Learn More Add Review
First Cahawba Bank Downtown Office Branch	0.35%	$10,000	-	Learn More Add Review
Citizens' Bank, Inc. Foley Branch	0.35%	$1,000	-	Learn More Add Review
Centennial Bank Foley 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 Ariton Branch	0.16%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Friend Bank Newton Office Branch	0.10%	$10,000	-	Learn More Add Review
Regions Bank University South Al Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association Parkway East 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)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

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 10116

Branch	Street	City	State
EvaBank Evabank Branch	4113 Eva Road	Eva	AL
Synchrony Bank Summerdale Branch	Sw 1st Street	Summerdale	AL
Capital One 360 The Exchange Bank Of Alabama Branch	Sixth And Blount Streets	Altoona	AL
Bank Independent Hartselle Branch	902 U.S. Highway 31, North	Hartselle	AL
MainStreet Bank Phenix-Girard Bank Branch	801 13th Street	Phenix City	AL
ableBanking, a division of Northeast Bank Hanceville Branch	906 Main Street, Ne	Hanceville	AL
Citizens Peoples Exchange Bank Branch	2013 Highway 21 Bypass	Monroeville	AL
Farmers and Merchants Bank Oxford Branch	35 Ali Way	Oxford	AL
Union State Bank Cedar Bluff Main Branch	3460 Old Highway 9	Cedar Bluff	AL
The Citizens Bank The Citizens Bank Branch	301 South Edwards Street	Enterprise	AL
Metro Bank Pell City Remote Branch	Highway 231 North & Lewis Lake Rd	Pell City	AL
Woodforest National Bank 8055 Oxford Alabama Walmart Branch	92 Plaza Lane	Oxford	AL
Millennial Bank Covenant Bank Branch	7924 Parkway Drive	Leeds	AL
Cullman Savings Bank 3201 Alabama Hwy 157 Branch	3201 Alabama Highway 157	Cullman	AL
The Farmers & Merchants Bank Florence Branch	11345 State Highway 20	Florence	AL
NobleBank & Trust Alexandria Office Branch	646 Valley Cub Dr.	Alexandria	AL
The Exchange Bank of Alabama The Exchange Bank Of Alabama Branch	Sixth And Blount Streets	Altoona	AL
PeoplesTrust Bank Hackleburg Branch	34888 U.S. Highway 43	Hackleburg	AL
The Hometown Bank of Alabama Snead Branch	87672 Us Highway 278	Snead	AL
First Community Bank of Central Alabama Holtville Road Branch	9788 Holtville Road	Wetumpka	AL
First Bank of Alabama Roanoke Branch	3500 Highway 431	Roanoke	AL
Citizens Bank & Trust, Inc. Sand Mountain Branch	29316 Alabama Highway 71	Higdon	AL
Liberty Bank Liberty Bank Branch	40956 Alabama Highway 75	Geraldine	AL
The Commercial Bank Of Ozark South Dale Branch	Phillip J. Hamm Dr.	Midland City	AL
First National Bank of Pulaski Athens Downtown Branch	321 South Jefferson Street	Athens	AL
Central State Bank Limestone Office Branch	71 Limestone Parkway	Calera	AL
SouthPoint Bank Trussville Branch	7278 Gadsden Highway	Trussville	AL
22nd State Bank First Exchange Bank - A Division Of Branch	226 St. Joseph Avenue	Brewton	AL
HNB First Bank 431 Branch	Highway 431 And County Road 22	Headland	AL
MidSouth Bank Ashford Branch	520 Broadway Street	Ashford	AL
Peoples Bank of Alabama Gadsden Branch	400 West Meighan Boulevard	Gadsden	AL
CB&S Bank, Inc. Hodges Branch	1481 Highway 172	Hodges	AL
Liberty Bank and Trust Company Liberty Bank And Trust Company Branch	660 Adams Avenue	Montgomery	AL
Southern States Bank Birmingham Branch	7 Office Park Circle	Birmingham	AL
First Fidelity Bank Main Street West Branch	960 Main Street, West	Rainsville	AL
First Southern Bank St. Florian Branch	4350 County Road 47	Florence	AL
First Southern State Bank Leesburg Branch	200 Industrial Boulevard	Leesburg	AL
West Alabama Bank & Trust Gordo Branch	245 Main Street South	Gordo	AL
Citizens Bank & Trust Rogersville Branch	Market Square	Rogersville	AL
First Federal Bank, A FSB Tuscaloosa Branch	5301 Hwy 69 South	Tuscaloosa	AL
ServisFirst Bank Montgomery Main Branch	One Commerce Street Ste 200	Montgomery	AL
Pinnacle Bank 78 Highway East Branch	100 22nd Avenue	Jasper	AL
FirstBank Firstbank Mortgage Partners Branch	117 Court Street	Florence	AL
The First National Bank and Trust Excel Branch Of First National Bank	67 Highway 136 East	Excel	AL
PeoplesSouth Bank Headland Branch	617 East Church Street	Headland	AL
Bryant Bank 280 Branch	5319 U.S. Hwy 280	Birmingham	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 2861 Springhill Ave Branch	2861 Springhill Avenue	Mobile	AL
Bryant Bank 280 Branch	5319 U.S. Hwy 280	Birmingham	AL
Renasant Bank Valley Branch	3216 20th Avenue	Valley	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 Vina Branch	7141 Highway 19	Vina	AL
Community Bank of Mississippi Fairhope Branch	813 Estella Street	Fairhope	AL
AuburnBank Notasulga Branch	950 Auburn Rd.	Notasulga	AL
Synovus Bank Dothan Financial Center Branch	901 North Boll Weevil Cir	Enterprise	AL
Citizens Trust Bank Eutaw Branch	213 Main Street	Eutaw	AL
AmeriFirst Bank Peppertree Branch	8165 Vaughn Road	Montgomery	AL
CCB Community Bank Ccb - Opp Branch	609 Florala Highway	Opp	AL
First Cahawba Bank Downtown Office Branch	801 Alabama Ave	Selma	AL
Citizens' Bank, Inc. Foley Branch	251 East Orange Avenue	Foley	AL
Centennial Bank Foley Branch	501 S Mckenzie Street	Foley	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 Ariton Branch	6 Atlantic Street	Ariton	AL
Friend Bank Newton Office Branch	465 S. College St	Newton	AL
Regions Bank University South Al Branch	1 S. University Boulevard	Mobile	AL
PNC Bank, National Association Parkway East Branch	9648 Parkway East	Birmingham	AL
Regions Bank University South Al Branch	1 S. University Boulevard	Mobile	AL

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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 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.

SAVINGS & CD CALCULATOR

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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

SAVINGS & CD CALCULATOR

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