Best 4-Year CD Rates in Helena-West Helena, Arkansas, AR

You are viewing rates from banks across Helena-West Helena

Below are four-year CD Rates from banks in Arkansas . 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.

Helena-West Helena, AR - 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	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
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)
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	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 The Merchants & Planters Bank Branch	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
Intrust Bank, National Association Rogers, Arkansas Branch	2.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00%
BOKF, National Association Bk Arkansas Fayetteville Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Texana Bank, National Association Arkansas Blvd Branch	1.35%	$10,000	-	Learn More
Steve \| Mar 19, 2021 ... Read More Reviews (2)
First State Bank of DeQueen First State Bank Of Dequeen Branch	1.31%	$10,000	-	Learn More Add Review
Gateway Bank Gateway Bank Branch	1.27%	$10,000	-	Learn More Add Review
FBT Bank & Mortgage Fbt Bank & Mortgage Branch	1.25%	$10,000	-	Learn More Add Review
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	1.25%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
First Financial Bank First Financial Bank Branch	1.16%	$10,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	1.16%	$10,000	-	Learn More
Marsha Sarkela \| Mar 2, 2021 This is NOT CORRECT. Read More Reviews (2)
Farmers Bank & Trust Company Farmers Bank & Trust Company Branch	1.15%	$10,000	-	Learn More Add Review
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	1.10%	$10,000	-	Learn More
diane@dianemahan.com \| Oct 23, 2017 How o purchases the special 10% CD rate? Read More Reviews (1)
Armstrong Bank Phoenix Branch	1.06%	$100,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Commercial National Bank of Texarkana State Line Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Salem Bank Of Salem Branch	1.01%	$10,000	-	Learn More Add Review
Bank of Cave City Bank Of Cave City Branch	1.00%	$10,000	-	Learn More Add Review
Southern Bank Bald Knob Facility Branch	1.00%	$100,000	-	Learn More Add Review
Merchants and Farmers Bank Merchants And Farmers Bank Branch	1.00%	$100,000	-	Learn More Add Review
Grand Savings Bank Decatur Branch	0.95%	$500	-	Learn More Add Review
Firstar Bank Fort Smith Branch	0.95%	$100,000	-	Learn More Add Review
Legacy National Bank Legacy National Bank Branch	0.95%	$10,000	-	Learn More Add Review
RiverBank Riverbank Branch	0.90%	$10,000	-	Learn More Add Review
Stone Bank Stone Bank Branch	0.90%	$10,000	-	Learn More Add Review
First Financial Bank First Financial Bank Branch	0.90%	$10,000	-	Learn More Add Review
The Citizens Bank The Citizens Bank Branch	0.90%	$10,000	-	Learn More Add Review
Cross County Bank Cross County Bank Branch	0.90%	$100,000	-	Learn More Add Review
Southern Bank Bald Knob Facility Branch	0.90%	$10,000	-	Learn More Add Review
Armstrong Bank Phoenix Branch	0.90%	$10,000	-	Learn More
Jennifer King \| Aug 1, 2019 Who is the owner now this day. Read More Reviews (1)
Cross County Bank Cross County Bank Branch	0.85%	$10,000	-	Learn More Add Review
Generations Bank Generations Bank Branch	0.85%	$1,000	-	Learn More Add Review
United Bank United Bank Branch	0.80%	$10,000	-	Learn More Add Review
Generations Bank Generations Bank Branch	0.80%	$10,000	-	Learn More Add Review
Relyance Bank, National Association Central Branch	0.80%	$100,000	-	Learn More Add Review
The Farmers & Merchants Bank Marianna Branch	0.75%	$10,000	-	Learn More Add Review
Merchants and Farmers Bank Merchants And Farmers Bank Branch	0.75%	$500	-	Learn More Add Review
The Union Bank of Mena The Union Bank Of Mena Branch	0.75%	$10,000	-	Learn More Add Review
Firstar Bank Fort Smith Branch	0.75%	$1,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Today's Bank Allied Bank Branch	0.75%	$10,000	-	Learn More Add Review
Anstaff Bank Anstaff Bank Branch	0.70%	$10,000	-	Learn More
Farmer Jay \| Sep 14, 2023 My wife and I wanted to purchase a tractor for 25000.00. The equipment company sent us to Anstaff Bank for financing and instructed us to speak with Bailey Booperhamer. When we walked in, he immediately sa... Read More Reviews (3)
Relyance Bank, National Association Central Branch	0.70%	$10,000	-	Learn More Add Review
First Community Bank Little River Bank Branch	0.65%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank Marianna Branch	0.65%	$10,000	-	Learn More Add Review
Cornerstone Bank Cornerstone Bank Branch	0.64%	$10,000	-	Learn More
Countrygirl \| Mar 1, 2021 Rates on here are not accurate. Read More Reviews (1)
FNBC Bank Fnbc Bank Branch	0.60%	$500	-	Learn More Add Review
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	0.60%	$100,000	-	Learn More Add Review
Great Southern Bank Southern Bankcorp Bank Of Trumann Br Branch	0.60%	$250	-	Learn More Add Review
Farmers Bank Farmers Bank Branch	0.55%	$100,000	-	Learn More Add Review
Armor Bank Armor Bank, National Association Branch	0.50%	$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
Farmers Bank Farmers Bank Branch	0.50%	$10,000	-	Learn More Add Review
ENCORE BANK The Capital Bank Branch	0.50%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.50%	$1,000	-	Learn More Add Review
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	0.50%	$10,000	-	Learn More Add Review
Southern Bancorp Bank Southern Bancorp Bank Branch	0.45%	$500	-	Learn More Add Review
The Malvern National Bank The Malvern National Bank Branch	0.45%	$10,000	-	Learn More
Bobby jean \| Jun 15, 2019 My aunt was treated horrible by okd gray headed teller with glasses at malvern national bank down town and this big fat black man with a too little shirt on and jeans sagging and tammie. This bank is raci... Read More Reviews (1)
Eagle Bank and Trust Company Eagle Bank And Trust Company Branch	0.40%	$10,000	-	Learn More Add Review
Centennial Bank Community Bank Branch	0.35%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
Equity Bank Harrison Branch	0.25%	$1,000	-	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
U.S. Bank National Association Van Buren 6th & Webster Branch	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)
Regions Bank El Dorado Main Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
Bank of America, National Association Little Rock Main Branch	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 10007

Branch	Street	City	State
BMO Alto, a division of Bank of Montreal Harris The Merchants & Planters Bank Branch	297 Madison Street	Clarendon	AR
Intrust Bank, National Association Rogers, Arkansas Branch	3300 Market Street	Rogers	AR
BOKF, National Association Bk Arkansas Fayetteville Branch	3500 North College Ave	Fayetteville	AR
Texana Bank, National Association Arkansas Blvd Branch	502 Arkansas Blvd	Texarkana	AR
First State Bank of DeQueen First State Bank Of Dequeen Branch	402 West Collin Raye Drive	De Queen	AR
Gateway Bank Gateway Bank Branch	112 Main Street	Rison	AR
FBT Bank & Mortgage Fbt Bank & Mortgage Branch	200 West Fourth Street	Fordyce	AR
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	3878 North Crossover Road, Suite 20	Fayetteville	AR
First Financial Bank First Financial Bank Branch	315 West Main Street	El Dorado	AR
The Peoples Bank The Peoples Bank Branch	500 North Jackson	Magnolia	AR
Farmers Bank & Trust Company Farmers Bank & Trust Company Branch	200 East Main	Magnolia	AR
Signature Bank of Arkansas Signature Bank Of Arkansas Branch	3878 North Crossover Road, Suite 20	Fayetteville	AR
Armstrong Bank Phoenix Branch	8300 Phoenix Avenue	Fort Smith	AR
Commercial National Bank of Texarkana State Line Branch	2700 North State Line Avenue	Texarkana	AR
Bank of Salem Bank Of Salem Branch	207 Church Street	Salem	AR
Bank of Cave City Bank Of Cave City Branch	137 S Main Street	Cave City	AR
Southern Bank Bald Knob Facility Branch	306 South Elm Street	Bald Knob	AR
Merchants and Farmers Bank Merchants And Farmers Bank Branch	500 Highway 65 South	Dumas	AR
Grand Savings Bank Decatur Branch	372 Sh 59 N	Decatur	AR
Firstar Bank Fort Smith Branch	4300 Rogers Avenue, Suite 7	Fort Smith	AR
Legacy National Bank Legacy National Bank Branch	4055 West Sunset	Springdale	AR
RiverBank Riverbank Branch	1700 Old County Road	Pocahontas	AR
Stone Bank Stone Bank Branch	802 East Main Street	Mountain View	AR
First Financial Bank First Financial Bank Branch	315 West Main Street	El Dorado	AR
The Citizens Bank The Citizens Bank Branch	200 South 3rd Street	Batesville	AR
Cross Bank Cross County Bank Branch	1 Cross County Plaza	Wynne	AR
Southern Bank Bald Knob Facility Branch	306 South Elm Street	Bald Knob	AR
Armstrong Bank Phoenix Branch	8300 Phoenix Avenue	Fort Smith	AR
Cross Bank Cross County Bank Branch	1 Cross County Plaza	Wynne	AR
Generations Bank Generations Bank Branch	302 E Main	Hampton	AR
United Bank United Bank Branch	2600 South Thompson	Springdale	AR
Generations Bank Generations Bank Branch	302 E Main	Hampton	AR
Relyance Bank Central Branch	4446 Central Avenue	Hot Springs	AR
The Farmers & Merchants Bank Marianna Branch	33 West Main Street	Marianna	AR
Merchants and Farmers Bank Merchants And Farmers Bank Branch	500 Highway 65 South	Dumas	AR
Union Bank The Union Bank Of Mena Branch	303 Highway 71 North	Mena	AR
Firstar Bank Fort Smith Branch	4300 Rogers Avenue, Suite 7	Fort Smith	AR
First State Bank First State Bank Branch	101 South Center Street	Lonoke	AR
Today's Bank Allied Bank Branch	311 Main Street	Mulberry	AR
Anstaff Bank Anstaff Bank Branch	100 First National Avenue	Green Forest	AR
Relyance Bank Central Branch	4446 Central Avenue	Hot Springs	AR
First Community Bank Little River Bank Branch	202 Greenwood Avenue	Lepanto	AR
The Farmers & Merchants Bank Marianna Branch	33 West Main Street	Marianna	AR
CS Bank Cornerstone Bank Branch	70 South Main Street	Eureka Springs	AR
FNBC Bank Fnbc Bank Branch	636 Ash Flat Drive	Ash Flat	AR
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	101 North Washington Street	Forrest City	AR
Great Southern Bank Southern Bankcorp Bank Of Trumann Br Branch	2522 Pinnacle Hills Parkway, Suite 101	Rogers	AR
Farmers Bank Farmers Bank Branch	71 West Center St	Greenwood	AR
Armor Bank Armor Bank, National Association Branch	715 N Washington	Forrest City	AR
Farmers Bank Farmers Bank Branch	71 West Center St	Greenwood	AR
ENCORE BANK The Capital Bank Branch	12224 Chenal Parkway	Little Rock	AR
First State Bank First State Bank Branch	3103 East Main Street	Russellville	AR
First National Bank of Eastern Arkansas First National Bank Of Eastern Arkan Branch	101 North Washington Street	Forrest City	AR
Southern Bancorp Bank Southern Bancorp Bank Branch	601 Main Street	Arkadelphia	AR
The Malvern National Bank The Malvern National Bank Branch	501 S. Main Street	Malvern	AR
Eagle Bank and Trust Company Eagle Bank And Trust Company Branch	650 Shakleford, Suite 150	Little Rock	AR
Centennial Bank Community Bank Branch	1 City Plaza	Cabot	AR
Equity Bank Harrison Branch	200 East Ridge Avenue	Harrison	AR
U.S. Bank National Association Van Buren 6th & Webster Branch	510 Webster	Van Buren	AR
Regions Bank El Dorado Main Branch	100 E. Peach Street	El Dorado	AR
Bank of America, National Association Little Rock Main Branch	200 West Capitol Avenue	Little Rock	AR
Regions Bank El Dorado Main Branch	100 E. Peach Street	El Dorado	AR

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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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Helena-West Helena, Arkansas 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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