Arkansas

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Arkansas CD Rates – 4-Year

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 ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%

| 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

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early withdrawal penalty is 365 days interest.
Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%

| 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

Early Withdrawal Penalty is 360 days interest.
Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 3.00% → 4.00%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%

| 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

Warning: Early withdrawal penalty is 2% of principal

| 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

Rate History: 3.00% → 3.60%

| 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

Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%

| 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

Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%

| 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

Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%

| 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

Rate History: 4.00% → 3.90% → 3.90% → 3.50%

| 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

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%

| 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

Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%

| 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

Rate History: 4.00% → 3.75% → 3.50%

| 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

Rate History: 3.00% → 3.40%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%

| 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

Early Withdrawal Penalty is 24 months interest.
Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%

Rate History: 0.20% → 4.40% → 4.05% → 3.00%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| 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

Rate History: 3.00% → 2.75%

| Mar 20, 2016

Good solid bank. Read More

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00%

| 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

Rate History: 2.00% → 3.00% → 2.00%

| Apr 30, 2019

No issues. I feel confident using them. Read More

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| May 29, 2020

Dua Read More

Rate History: 2.50% → 1.50%

| 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

Rate History: 1.50% → 1.75% → 1.50%

| Mar 19, 2021

... Read More

1.31%

$10,000

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1.27%

$10,000

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Rate History: 2.50% → 1.25%

| 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

1.25%

$10,000

-

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| Oct 23, 2017

How o purchases the special 10% CD rate? Read More

1.16%

$10,000

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| Mar 2, 2021

This is NOT CORRECT. Read More

1.15%

$10,000

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| Oct 23, 2017

How o purchases the special 10% CD rate? Read More

| Aug 1, 2019

Who is the owner now this day. Read More

1.05%

$10,000

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1.01%

$10,000

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1.00%

$100,000

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1.00%

$100,000

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1.00%

$1,000

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0.95%

$500

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0.95%

$100,000

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0.95%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$100,000

-

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0.90%

$10,000

-

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| Aug 1, 2019

Who is the owner now this day. Read More

0.85%

$10,000

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0.80%

$10,000

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0.80%

$100,000

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0.75%

$10,000

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0.75%

$500

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0.75%

$10,000

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0.75%

$1,000

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0.75%

$10,000

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0.75%

$10,000

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| 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

0.70%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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| Mar 1, 2021

Rates on here are not accurate. Read More

0.60%

$500

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0.60%

$100,000

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0.60%

$250

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0.55%

$100,000

-

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0.50%

$10,000

-

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| 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

0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$1,000

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0.50%

$10,000

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0.45%

$500

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| 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

0.40%

$10,000

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| Nov 15, 2020

Do they? Read More

0.25%

$1,000

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| 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

| 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

| 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

| Dec 30, 2018

Garden14 Read More

Rate History: 0.03% → 0.05%

Rate History: 0.03% → 0.05%

| 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

| 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

| 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

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


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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