Best 4-Year CD Rates in Cudahy, California, CA

You are viewing rates from banks across Cudahy

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.

Cudahy, CA - August 26, 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
Community Commerce Bank Community Commerce Bank Branch	3.97%	$10,000	-	Learn More
Rate History: 4.59% → 4.54% → 4.39% → 4.23% → 3.97%
samcasino \| Mar 5, 2021 The best rate on any CD or savings account is .40% 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)
Poppy Bank Poppy Bank Branch	3.75%	$1,000	-	Learn More
Warning: Early withdrawal penalty is 3.00%. Rate History: 2.00% → 3.75%
denied_soft_credit_pull \| Jan 10, 2024 Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... Read More Reviews (1)
State Bank of India (California) State Bank Of India (California) Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50%
Beal Bank Brentwood Branch	3.45%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
Beal Bank USA Sacramento Branch	3.45%	$1,000	-	Learn More
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
george \| Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More Reviews (3)
Bank of Hope Bank Of Hope Branch	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
Habib American Bank Los Angeles Branch	3.00%	$1,500	-	Learn More
Rate History: 2.00% → 3.00%
Ryan \| Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... 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
Zions Bank San Francisco Main Branch	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
Citibank, National Association La Main Branch	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)
JPMorgan Chase Bank, National Association San Francisco Branch	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)
American Plus Bank, N.A. American Plus Bank, N.A. Branch	1.85%	$1,000	-	Learn More Add Review
PCB Bank Pacific City Bank Branch	1.77%	$1,000	-	Learn More Add Review
Fremont Bank Fremont Bank Branch	1.75% 1.25%	$100,000 $2,500	-	Learn More Add Review
City National Bank City National Bank Branch	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
Summit State Bank Summit State Bank Branch	1.29%	$10,000	-	Learn More Add Review
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Beacon Business Bank, National Association Branch	1.20%	$100,000	-	Learn More Add Review
Mission National Bank Mission National Bank Branch	1.20%	$100,000	-	Learn More Add Review
Balboa Thrift and Loan Association Balboa Thrift And Loan Association Branch	1.16%	$10,000	-	Learn More Add Review
California International Bank, N.A. California International Bank, N.A. Branch	1.15%	$10,000	-	Learn More Add Review
Avidbank Avidbank Branch	1.15%	$100,000	-	Learn More Add Review
Wallis Bank Wall Street Branch	1.00%	$100,000	-	Learn More Add Review
Mission National Bank Mission National Bank Branch	1.00%	$10,000	-	Learn More Add Review
First Credit Bank First Credit Bank Branch	1.00%	$100,000	-	Learn More
maris \| Mar 2, 2019 does require us citizenship? Read More Reviews (1)
Bank of the Orient Bank Of The Orient Branch	0.99%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association of San Rafael First Federal Savings And Loan Assoc Branch	0.95%	$10,000	-	Learn More Add Review
Wallis Bank Wall Street Branch	0.95%	$10,000	-	Learn More Add Review
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Beacon Business Bank, National Association Branch	0.90%	$10,000	-	Learn More Add Review
Metropolitan Bank Metropolitan Bank Branch	0.90%	$10,000	-	Learn More Add Review
United Pacific Bank United Pacific Bank Branch	0.90%	$10,000	-	Learn More Add Review
Bank of the Orient Bank Of The Orient Branch	0.89%	$10,000	-	Learn More Add Review
Home Bank of California Home Bank Of California Branch	0.85%	$10,000	-	Learn More Add Review
California Business Bank California Business Bank Branch	0.80%	$10,000	-	Learn More Add Review
CalPrivate Bank San Diego Private Bank Branch	0.80%	$100,000	-	Learn More Add Review
Avidbank Avidbank Branch	0.80%	$10,000	-	Learn More Add Review
Mega Bank Mega Bank Branch	0.75%	$100,000	-	Learn More Add Review
Manufacturers Bank Manufacturers Bank Branch	0.75%	$10,000	-	Learn More Add Review
CalPrivate Bank San Diego Private Bank Branch	0.75%	$10,000	-	Learn More Add Review
United Business Bank Oakland Hegenberger Branch	0.75%	$10,000	-	Learn More
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 Reviews (1)
Plumas Bank Susanville Branch	0.75%	$100,000	-	Learn More Add Review
The Bank of Hemet The Bank Of Hemet Branch	0.75%	$10,000	-	Learn More Add Review
Monterey County Bank Monterey County Bank Branch	0.70%	$10,000	-	Learn More Add Review
Neighborhood National Bank Neighborhood National Bank Branch	0.70%	$10,000	-	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.70%	$100,000	-	Learn More Add Review
COMMONWEALTH BUSINESS BANK Commonwealth Business Bank Branch	0.65%	$10,000	-	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
Fresno First Bank Fresno First Bank Branch	0.65%	$100,000	-	Learn More Add Review
Plumas Bank Susanville Branch	0.65%	$10,000	-	Learn More Add Review
Santa Cruz County Bank Santa Cruz County Bank Branch	0.65%	$10,000	-	Learn More Add Review
Tustin Community Bank Tustin Community Bank Branch	0.60%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Armed Forces Bank Of California, National Association Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Five Star Bank Five Star Bank Branch	0.60%	$10,000	-	Learn More Add Review
Fresno First Bank Fresno First Bank Branch	0.60%	$10,000	-	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.60%	$10,000	-	Learn More Add Review
Bank of Stockton Bank Of Stockton Branch	0.60%	$100,000	-	Learn More Add Review
United Security Bank Taft Branch	0.55%	$100,000	-	Learn More Add Review
Community Valley Bank Community Valley Bank Branch	0.55%	$100,000	-	Learn More
laberta ewing \| Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More Reviews (1)
Mission Bank Ridgecrest Branch	0.53%	$100,000	-	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
Bank of Southern California, N.A. El Paseo Branch	0.50%	$100,000	-	Learn More Add Review
Mechanics Bank Mechanics Bank Branch	0.50%	$100,000	-	Learn More
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 Reviews (1)
Pacific Premier Bank El Paseo Branch	0.50%	$10,000	-	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
California Pacific Bank California Pacific Bank Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Business Bank Citizens Business Bank Branch	0.45%	$10,000	-	Learn More Add Review
United Security Bank Taft Branch	0.45%	$10,000	-	Learn More Add Review
First Bank Douglas Branch	0.45%	$1,000	-	Learn More Add Review
Mechanics Bank Mechanics Bank Branch	0.45%	$10,000	-	Learn More
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 Reviews (1)
Bank of Southern California, N.A. El Paseo Branch	0.45%	$10,000	-	Learn More Add Review
Bank of San Francisco Bank Of San Francisco Branch	0.45%	$100,000	-	Learn More Add Review
Western Alliance Bank San Jose Branch	0.45%	$10,000	-	Learn More Add Review
Westamerica Bank Santa Rosa Branch	0.45%	$10,000	-	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
Royal Business Bank Buena Park Branch	0.45%	$10,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	0.42%	$100,000	-	Learn More Add Review
Mission Bank Ridgecrest Branch	0.42%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank of Long Beach Farmers And Merchants Bank Of Long B Branch	0.40%	$10,000	-	Learn More Add Review
Provident Savings Bank, F.S.B. Provident Savings Bank, F.S.b. Branch	0.40%	$100,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	0.40%	$10,000	-	Learn More Add Review
Northern California National Bank Northern California National Bank Branch	0.40%	$100,000	-	Learn More Add Review
Beneficial State Bank Los Angeles Branch	0.40%	$10,000	-	Learn More
Michael strubert \| Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More Reviews (1)
Cathay Bank Cathay Bank Branch	0.40%	$50,000	-	Learn More Add Review
MidFirst Bank Century City Branch	0.40%	$1,000	-	Learn More
sharzns \| Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More Reviews (3)
Bank of San Francisco Bank Of San Francisco Branch	0.40%	$10,000	-	Learn More Add Review
Bank of Stockton Bank Of Stockton Branch	0.40%	$10,000	-	Learn More Add Review
Community Valley Bank Community Valley Bank Branch	0.35%	$10,000	-	Learn More
laberta ewing \| Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More Reviews (1)
Provident Savings Bank, F.S.B. Provident Savings Bank, F.S.b. Branch	0.35%	$10,000	-	Learn More Add Review
Mega Bank Mega Bank Branch	0.30%	$10,000	-	Learn More Add Review
Bank of the Sierra Bank Of The Sierra Branch	0.29%	$100,000	-	Learn More Add Review
Bank of the Sierra Bank Of The Sierra Branch	0.27%	$10,000	-	Learn More Add Review
Pacific Valley Bank Pacific Valley Bank Branch	0.25%	$10,000	-	Learn More Add Review
Northern California National Bank Northern California National Bank Branch	0.25%	$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
East West Bank Montgomery Branch	0.20%	$10,000	-	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
Jeff Talmage \| Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More
Montecito Bank & Trust Montecito Bank & Trust Branch	0.15%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company First Regional Bank Branch	0.15%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
Umpqua Bank Yuba City Hwy 20 Branch	0.15% 0.10%	$1 $0	-	Learn More
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 Reviews (2)
American Riviera Bank American Riviera Bank Branch	0.15%	$10,000	-	Learn More Add Review
Comerica Bank El Segundo Branch	0.15%	$1	-	Learn More
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 Reviews (1)
U.S. Bank National Association Westwood 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)
Bank of Guam San Francisco Branch	0.10%	$10,000	-	Learn More Add Review
Bank of America, National Association Bank Of America Plaza 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)
Industrial and Commercial Bank of China USA, National Association San Francisco Chinatown Branch	0.00%	$10,000	-	Learn More Add Review

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
Community Commerce Bank Community Commerce Bank Branch	358 W Foothill Blvd	Claremont	CA
Poppy Bank Poppy Bank Branch	438 First Street	Santa Rosa	CA
State Bank of India (California) State Bank Of India (California) Branch	707 Wilshire Boulevard, Suite 2900	Los Angeles	CA
Monet Bank Brentwood Branch	11755 Wilshire Boulevard, Suite 10	Los Angeles	CA
Beal Bank USA Sacramento Branch	2381 Fair Oaks Bouleard, Suite 8	Sacramento	CA
Bank of Hope Bank Of Hope Branch	3200 Wilshire Boulevard Suite 1400	Los Angeles	CA
Habib American Bank Los Angeles Branch	110 East Ninth Street, Al-10	Los Angeles	CA
Zions Bank San Francisco Main Branch	465 California Street	San Francisco	CA
Citibank, National Association La Main Branch	787 West Fifth Street	Los Angeles	CA
JPMorgan Chase Bank, National Association San Francisco Branch	560 Mission Street, Floor 12	San Francisco	CA
American Plus Bank, N.A. American Plus Bank, N.A. Branch	630 West Duarte Road	Arcadia	CA
PCB Bank Pacific City Bank Branch	3701 Wilshire Boulevard, Suite 900	Los Angeles	CA
Fremont Bank Fremont Bank Branch	39150 Fremont Boulevard	Fremont	CA
City National Bank City National Bank Branch	555 S. Flower Street	Los Angeles	CA
Summit State Bank Summit State Bank Branch	500 Bicentennial Way	Santa Rosa	CA
Fremont Bank Fremont Bank Branch	39150 Fremont Boulevard	Fremont	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Beacon Business Bank, National Association Branch	88 Kearny Street, Suite 1750	San Francisco	CA
Mission National Bank Mission National Bank Branch	3060 Sixteenth Street	San Francisco	CA
Balboa Thrift and Loan Association Balboa Thrift And Loan Association Branch	865 Amena Court	Chula Vista	CA
California International Bank, N.A. California International Bank, N.A. Branch	8632 East Valley Boulevard, Suite A	Rosemead	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
Wallis Bank Wall Street Branch	855 S. Wall Street #855w	Los Angeles	CA
Mission National Bank Mission National Bank Branch	3060 Sixteenth Street	San Francisco	CA
First Credit Bank First Credit Bank Branch	9255 Sunset Boulevard	Los Angeles	CA
Bank of the Orient Bank Of The Orient Branch	233 Sansome Street	San Francisco	CA
First Federal Savings and Loan Association of San Rafael First Federal Savings And Loan Assoc Branch	1030 Third St	San Rafael	CA
Wallis Bank Wall Street Branch	855 S. Wall Street #855w	Los Angeles	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Beacon Business Bank, National Association Branch	88 Kearny Street, Suite 1750	San Francisco	CA
Metropolitan Bank Metropolitan Bank Branch	250 East 18th Street	Oakland	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
Bank of the Orient Bank Of The Orient Branch	233 Sansome Street	San Francisco	CA
Home Bank of California Home Bank Of California Branch	4493 Ruffin Road	San Diego	CA
California Business Bank California Business Bank Branch	3200 El Camino Real, Suite 220	Irvine	CA
CalPrivate Bank San Diego Private Bank Branch	801 Orange Avenue, Suite 101	Coronado	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
SMBC MANUBANK Manufacturers Bank Branch	515 South Figueroa Street, Ground Floor	Los Angeles	CA
CalPrivate Bank San Diego Private Bank Branch	801 Orange Avenue, Suite 101	Coronado	CA
United Business Bank Oakland Hegenberger Branch	100 Hegenberger Road, Suite 110	Oakland	CA
Plumas Bank Susanville Branch	3000 Riverside Drive	Susanville	CA
HCN Bank The Bank Of Hemet Branch	3715 Sunnyside Drive	Riverside	CA
Monterey County Bank Monterey County Bank Branch	601 Munras Avenue	Monterey	CA
Neighborhood National Bank Neighborhood National Bank Branch	3511 National Avenue	San Diego	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Commonwealth Business Bank Commonwealth Business Bank Branch	3435 Wilshire Boulevard. Suite 100	Los Angeles	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
Plumas Bank Susanville Branch	3000 Riverside Drive	Susanville	CA
West Coast Community Bank Santa Cruz County Bank Branch	720 Front St	Santa Cruz	CA
Tustin Community Bank Tustin Community Bank Branch	13891 Newport Avenue, Suites 100 & 130	Tustin	CA
Armed Forces Bank, National Association Armed Forces Bank Of California, National Association Branch	2260 Callagan Highway, Building 3187a, Suite 1	San Diego	CA
Five Star Bank Five Star Bank Branch	6810 Five Star Boulevard	Rocklin	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Bank of Stockton Bank Of Stockton Branch	301 East Miner Avenue	Stockton	CA
United Security Bank Taft Branch	523 Cascade Place	Taft	CA
Community Valley Bank Community Valley Bank Branch	1443 Main Street	El Centro	CA
Mission Bank Ridgecrest Branch	1450 North Norma	Ridgecrest	CA
California Bank of Commerce, National Association El Paseo Branch	74175 El Paseo Drive	Palm Desert	CA
Mechanics Bank Mechanics Bank Branch	1111 Civic Drive	Walnut Creek	CA
Pacific Premier Bank, National Association El Paseo Branch	73-745 El Paseo Drive	Palm Desert	CA
California Pacific Bank California Pacific Bank Branch	100 Montgomery Street, Suite 2250	San Francisco	CA
Citizens Business Bank Citizens Business Bank Branch	701 North Haven Avenue	Ontario	CA
United Security Bank Taft Branch	523 Cascade Place	Taft	CA
First Bank Douglas Branch	1625 Douglas Boulevard	Roseville	CA
Mechanics Bank Mechanics Bank Branch	1111 Civic Drive	Walnut Creek	CA
California Bank of Commerce, National Association El Paseo Branch	74175 El Paseo Drive	Palm Desert	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
Western Alliance Bank San Jose Branch	55 Almaden Blvd	San Jose	CA
Westamerica Bank Santa Rosa Branch	111 Santa Rosa Avenue	Santa Rosa	CA
Royal Business Bank Buena Park Branch	7025 Orangethorpe Avenue	Buena Park	CA
Exchange Bank Exchange Bank Branch	545 Fourth Street	Santa Rosa	CA
Mission Bank Ridgecrest Branch	1450 North Norma	Ridgecrest	CA
Farmers and Merchants Bank of Long Beach Farmers And Merchants Bank Of Long B Branch	302 Pine Avenue	Long Beach	CA
Provident Savings Bank, F.S.B. Provident Savings Bank, F.S.b. Branch	6570 Magnolia Ave	Riverside	CA
Exchange Bank Exchange Bank Branch	545 Fourth Street	Santa Rosa	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
Beneficial State Bank Los Angeles Branch	3626 East First Street	Los Angeles	CA
Cathay Bank Cathay Bank Branch	777 North Broadway Street	Los Angeles	CA
MidFirst Bank Century City Branch	1875 Century Park East, Suite 1400	Los Angeles	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
Bank of Stockton Bank Of Stockton Branch	301 East Miner Avenue	Stockton	CA
Community Valley Bank Community Valley Bank Branch	1443 Main Street	El Centro	CA
Provident Savings Bank, F.S.B. Provident Savings Bank, F.S.b. Branch	6570 Magnolia Ave	Riverside	CA
Bank of Hope Bank Of Hope Branch	3200 Wilshire Boulevard Suite 1400	Los Angeles	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
Bank of the Sierra Bank Of The Sierra Branch	90 North Main Street	Porterville	CA
Bank of the Sierra Bank Of The Sierra Branch	90 North Main Street	Porterville	CA
Pacific Valley Bank Pacific Valley Bank Branch	422 Main Street	Salinas	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
East West Bank Montgomery Branch	555 Montgomery Street	San Francisco	CA
Montecito Bank & Trust Montecito Bank & Trust Branch	1000 State Street	Santa Barbara	CA
First-Citizens Bank & Trust Company First Regional Bank Branch	1801 Century Park East	Los Angeles	CA
Umpqua Bank Yuba City Hwy 20 Branch	777 Colusa Avenue	Yuba City	CA
American Riviera Bank American Riviera Bank Branch	1033 Anacapa Street	Santa Barbara	CA
Comerica Bank El Segundo Branch	2321 Rosecrans Ave Ste 1225	El Segundo	CA
U.S. Bank National Association Westwood Branch	10866 Wilshire Boulevard	Los Angeles	CA
Bank of Guam San Francisco Branch	400 Montgomery Street	San Francisco	CA
Umpqua Bank Yuba City Hwy 20 Branch	777 Colusa Avenue	Yuba City	CA
Bank of America, National Association Bank Of America Plaza Branch	333 South Hope Street, Suite 100	Los Angeles	CA
Industrial and Commercial Bank of China USA, National Association San Francisco Chinatown Branch	1001 Grant Avenue	San Francisco	CA

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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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Cudahy, California CD Rates – 4-Year

Branches Info around zip 10116

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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