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You are viewing rates from banks across Brentwood
Below are four-year CD Rates from banks in California . 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.
Brentwood, CA - July 8, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.45% |
$1,000 |
19.25 |
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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2.53% |
$1,000 |
19.07 |
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
19.27 |
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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 |
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2.00% |
$10,000 |
18.92 |
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Rate History: 2.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.75% 1.25% |
$100,000 $2,500 |
19.05 |
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1.51% |
$10,000 |
19.19 |
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Rate History: 1.76% → 1.51% |
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0.75% |
$10,000 |
19.15 |
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Small Company | Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More |
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0.50% |
$100,000 |
19.04 |
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kristinalouise | Dec 6, 2018 I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More |
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0.45% |
$1,000 |
19.05 |
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0.45% |
$10,000 |
19.04 |
Learn More
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kristinalouise | Dec 6, 2018 I have to say, as a local business owner, I purposefully chose to work with a 'local business bank'. I moved my checking over when I incorporated and assumed that I would go to them when my needs increased... Read More |
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0.45% |
$10,000 |
19.23 |
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scott | Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More |
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0.15% 0.10% |
$1 $0 |
19.21 |
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Austin | Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More |
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0.15% |
$1 |
19.07 |
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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0.15% |
$500 |
19.25 |
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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 |
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| Branch | Street | City | State |
|---|---|---|---|
|
XD Bank Walnut Creek Branch |
1631 North California Blvd | Walnut Creek | CA |
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Zions Bank Loan Production Branch |
1981 North Broadway, Suite 275 | Walnut Creek | CA |
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Citibank, National Association Pleasant Hill Branch |
700 Contra Costa Boulevard | Pleasant Hill | CA |
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JPMorgan Chase Bank, National Association Pleasant Hill Branch |
1898 Contra Costa Blvd | Pleasant Hill | CA |
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Fremont Bank Walnut Creek Branch |
1735 N. Broadway | Walnut Creek | CA |
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City National Bank Walnut Creek Banking Office Branch |
2001 North Main Street | Walnut Creek | CA |
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Fremont Bank Walnut Creek Branch |
1735 N. Broadway | Walnut Creek | CA |
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United Business Bank United Business Bank Branch |
500 Ygnacio Valley Road Suite 200 | Walnut Creek | CA |
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Mechanics Bank Walnut Creek Office Branch |
1350 North Main Street | Walnut Creek | CA |
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First Bank Walnut Creek Branch |
1700 N Broadway, Suite 100 | Walnut Creek | CA |
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Mechanics Bank Walnut Creek Office Branch |
1350 North Main Street | Walnut Creek | CA |
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Westamerica Bank Walnut Creek Branch |
1676 North California Blvd., #p-120 | Walnut Creek | CA |
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Umpqua Bank Walnut Creek Commercial Banking Cent Branch |
1333 N California Blvd, Suite Sl30 | Walnut Creek | CA |
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Comerica Bank Walnut Creek Branch |
1442 N Main St | Walnut Creek | CA |
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U.S. Bank National Association Sunvalley Safeway Branch |
707 Contra Costa Boulevard | Pleasant Hill | CA |
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Umpqua Bank Walnut Creek Commercial Banking Cent Branch |
1333 N California Blvd, Suite Sl30 | Walnut Creek | CA |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.
Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.
Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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