Best 4-Year CD Rates in Arkansas, AR

You are viewing rates from banks across Arkansas

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.

AR - July 30, 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)
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)
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
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	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	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)
MainStreet Bank	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	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	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
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)
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)
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%
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)
BOKF, National Association Bk Arkansas Fayetteville Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
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)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
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 Dierks Branch	1.31%	$10,000	-	Learn More Add Review
Gateway Bank Gateway Bank Branch	1.27%	$10,000	-	Learn More Add Review
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
FBT Bank & Mortgage Northwest Branch	1.25%	$10,000	-	Learn More Add Review
Signature Bank of Arkansas Bentonville 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 Timberlane Branch	1.16%	$10,000	-	Learn More Add Review
The Peoples Bank Golden Oaks Branch	1.16%	$10,000	-	Learn More
Marsha Sarkela \| Mar 2, 2021 This is NOT CORRECT. Read More Reviews (2)
Farmers Bank & Trust Company North Branch	1.15%	$10,000	-	Learn More Add Review
Signature Bank of Arkansas Bentonville 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 Highway 71 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 Fouke Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Salem Viola Branch	1.01%	$10,000	-	Learn More Add Review
Bank of Cave City Evening Shade Branch	1.00%	$10,000	-	Learn More Add Review
Southern Bank Southern Bank 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
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	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 Timberlane Branch	0.90%	$10,000	-	Learn More Add Review
The Citizens Bank Monticello Division Branch	0.90%	$10,000	-	Learn More Add Review
Cross County Bank First Commercial Bank, Osceola Branch	0.90%	$100,000	-	Learn More Add Review
Southern Bank Southern Bank Branch	0.90%	$10,000	-	Learn More Add Review
Armstrong Bank Highway 71 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 First Commercial Bank, Osceola Branch	0.85%	$10,000	-	Learn More Add Review
Generations Bank Van Buren Branch	0.85%	$1,000	-	Learn More Add Review
United Bank Fayetteville Branch	0.80%	$10,000	-	Learn More Add Review
Generations Bank Van Buren Branch	0.80%	$10,000	-	Learn More Add Review
Relyance Bank, National Association Relyance Bank, National Association Branch	0.80%	$100,000	-	Learn More Add Review
The Farmers & Merchants Bank East 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 Hatfield 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 Carlisle Branch	0.75%	$10,000	-	Learn More Add Review
Today's Bank Today's Bank Branch	0.75%	$10,000	-	Learn More Add Review
Anstaff Bank Norfork 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 Relyance Bank, National Association Branch	0.70%	$10,000	-	Learn More Add Review
First Community Bank Southside Branch	0.65%	$10,000	-	Learn More Add Review
The Farmers & Merchants Bank East Branch	0.65%	$10,000	-	Learn More Add Review
Cornerstone Bank Berryville Branch	0.64%	$10,000	-	Learn More
Countrygirl \| Mar 1, 2021 Rates on here are not accurate. Read More Reviews (1)
FNBC Bank Messenger Service Branch	0.60%	$500	-	Learn More Add Review
First National Bank of Eastern Arkansas Wheatley 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 Mansfield 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 Mansfield 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 Ola Branch	0.50%	$1,000	-	Learn More Add Review
First National Bank of Eastern Arkansas Wheatley Branch	0.50%	$10,000	-	Learn More Add Review
Southern Bancorp Bank Hamburg Branch	0.45%	$500	-	Learn More Add Review
The Malvern National Bank Main Street 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 Second And Main Branch	0.40%	$10,000	-	Learn More Add Review
Centennial Bank Rodney Parham Road Branch	0.35%	$10,000	-	Learn More
Asj \| Nov 15, 2020 Do they? Read More Reviews (1)
Equity Bank Berryville 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
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association One Riverfront Place 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)
First Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank Fairfield Bay 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	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 Geyer Springs 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 Dierks Branch	507 Front St	Dierks	AR
Gateway Bank Gateway Bank Branch	112 Main Street	Rison	AR
FBT Bank & Mortgage Northwest Branch	Upton Drive And U.S. Highway 79-167	Fordyce	AR
Signature Bank of Arkansas Bentonville Branch	700 S. E. Walton Boulevard, Suite #2	Bentonville	AR
First Financial Bank Timberlane Branch	500 Timberlane	El Dorado	AR
The Peoples Bank Golden Oaks Branch	East Dixon And South Walnut Streets	Waldo	AR
Farmers Bank & Trust Company North Branch	617 North Hervey	Hope	AR
Signature Bank of Arkansas Bentonville Branch	700 S. E. Walton Boulevard, Suite #2	Bentonville	AR
Armstrong Bank Highway 71 Branch	9201 Highway 71 South	Fort Smith	AR
Commercial National Bank of Texarkana Fouke Branch	U.S. Highway 71 And Redcut Road	Fouke	AR
Bank of Salem Viola Branch	9338 Hwy 62 West	Viola	AR
Bank of Cave City Evening Shade Branch	2089 Evening Shade Drive	Evening Shade	AR
Southern Bank Southern Bank Branch	601 North Holman	Brookland	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	4901 W Pauline Whitaker Parkway	Rogers	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 Timberlane Branch	500 Timberlane	El Dorado	AR
The Citizens Bank Monticello Division Branch	555 West Gaines Street	Monticello	AR
Cross Bank First Commercial Bank, Osceola Branch	750 West Keiser	Osceola	AR
Southern Bank Southern Bank Branch	601 North Holman	Brookland	AR
Armstrong Bank Highway 71 Branch	9201 Highway 71 South	Fort Smith	AR
Cross Bank First Commercial Bank, Osceola Branch	750 West Keiser	Osceola	AR
Generations Bank Van Buren Branch	2925 Alma Highway	Van Buren	AR
United Bank Fayetteville Branch	670 East Joyce Boulevard	Fayetteville	AR
Generations Bank Van Buren Branch	2925 Alma Highway	Van Buren	AR
Relyance Bank Relyance Bank, National Association Branch	912 South Poplar Street	Pine Bluff	AR
The Farmers & Merchants Bank East Branch	1846 North Crossover Road	Fayetteville	AR
Merchants and Farmers Bank Merchants And Farmers Bank Branch	500 Highway 65 South	Dumas	AR
Union Bank Hatfield Branch	Highway 71 North At Taylor Street	Hatfield	AR
Firstar Bank Fort Smith Branch	4300 Rogers Avenue, Suite 7	Fort Smith	AR
First State Bank Carlisle Branch	213 North Court	Carlisle	AR
Today's Bank Today's Bank Branch	432 Madison 1650	Huntsville	AR
Anstaff Bank Norfork Branch	23 Wolf Street	Norfork	AR
Relyance Bank Relyance Bank, National Association Branch	912 South Poplar Street	Pine Bluff	AR
First Community Bank Southside Branch	One Allen Chapel Road	Batesville	AR
The Farmers & Merchants Bank East Branch	1846 North Crossover Road	Fayetteville	AR
CS Bank Berryville Branch	907 W Trimble	Berryville	AR
FNBC Bank Messenger Service Branch	636 Ash Flat Drive	Ash Flat	AR
First National Bank of Eastern Arkansas Wheatley Branch	108 Little Rock Street	Wheatley	AR
Great Southern Bank Southern Bankcorp Bank Of Trumann Br Branch	2522 Pinnacle Hills Parkway, Suite 101	Rogers	AR
Farmers Bank Mansfield Branch	16 Huntington Avenue	Mansfield	AR
Armor Bank Armor Bank, National Association Branch	715 N Washington	Forrest City	AR
Farmers Bank Mansfield Branch	16 Huntington Avenue	Mansfield	AR
ENCORE BANK The Capital Bank Branch	12224 Chenal Parkway	Little Rock	AR
First State Bank Ola Branch	Fourche Avenue At Boles Street	Ola	AR
First National Bank of Eastern Arkansas Wheatley Branch	108 Little Rock Street	Wheatley	AR
Southern Bancorp Bank Hamburg Branch	210 North Main	Hamburg	AR
The Malvern National Bank Main Street Branch	127 Pine Bluff Street	Malvern	AR
Eagle Bank and Trust Company Second And Main Branch	Second And Main Streets	Heber Springs	AR
Centennial Bank Rodney Parham Road Branch	9712 Rodney Parham Road	Little Rock	AR
Equity Bank Berryville Branch	911 W. Trimble	Berryville	AR
U.S. Bank National Association One Riverfront Place Branch	One Riverfront Place	North Little Rock	AR
Regions Bank Fairfield Bay Branch	121 Lost Creek Parkway	Fairfield Bay	AR
Bank of America, National Association Geyer Springs Branch	8200 Geyer Springs Road	Little Rock	AR
Regions Bank Fairfield Bay Branch	121 Lost Creek Parkway	Fairfield Bay	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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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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