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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Cupertino
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.
Cupertino, CA - December 14, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.75% |
$1,000 |
11.33 |
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Warning: Early withdrawal penalty is 3.00%. |
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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 |
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3.50% |
$1,000 |
16.62 |
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Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50% |
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3.45% |
$10,000 |
- |
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Early Withdrawal Penalty is 365 days interest. |
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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 |
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3.45% |
$1,000 |
2.86 |
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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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 |
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3.25% 0.35% |
$250,000 $1,000 |
3.43 |
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% → 3.25% |
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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 |
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2.75% |
$500 |
- |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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2.75% |
$5,000 |
- |
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Rate History: 2.75% → 2.75% → 2.75% |
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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 |
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1.75% 1.25% |
$100,000 $2,500 |
22.39 |
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1.51% |
$10,000 |
24.06 |
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Rate History: 1.76% → 1.51% |
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1.15% |
$100,000 |
10.75 |
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0.90% |
$10,000 |
11.84 |
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0.80% |
$10,000 |
10.75 |
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0.75% |
$10,000 |
7.78 |
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0.75% |
$10,000 |
5.03 |
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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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0.65% |
$10,000 |
23.72 |
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0.55% |
$100,000 |
5.73 |
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0.50% |
$1,000 |
- |
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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 |
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0.50% |
$10,000 |
16.08 |
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0.45% |
$10,000 |
5.73 |
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0.45% |
$1,000 |
22.39 |
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0.45% |
$10,000 |
10.79 |
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0.20% |
$10,000 |
22.39 |
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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 |
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0.20% |
$1,000 |
- |
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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 |
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0.10% |
$1,000 |
8.20 |
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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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| Branch | Street | City | State |
|---|---|---|---|
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Poppy Bank Milpitas Branch |
555 East Calaveras Boulevard | Milpitas | CA |
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State Bank of India (California) State Bank Of India (California) - F Branch |
39148 Paseo Padre Parkway | Fremont | CA |
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Beal Bank USA San Jose Branch |
5180 Stevens Creek Boulevard, Suite 20 | San Jose | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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Fremont Bank Www.Fremontbank.com Branch |
25151 Clawiter Rd | Hayward | CA |
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City National Bank of Los Angeles. California Burlingame Branch |
1450 Chapin Avenue | Burlingame | CA |
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Fremont Bank Www.Fremontbank.com Branch |
25151 Clawiter Rd | Hayward | CA |
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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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Metropolitan Bank San Jose Branch |
1816 Tully Road, No. 192 | San Jose | CA |
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Avidbank Avidbank Branch |
1732 N 1st St. 6th Floor | San Jose | CA |
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SMBC MANUBANK San Jose Branch |
100 Century Center Court, Suite 205 | San Jose | CA |
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United Business Bank Mountain View Branch |
700 E. El Camino Real, Suite 100 | Mountain View | CA |
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West Coast Community Bank Santa Cruz County Bank Branch |
720 Front St | Santa Cruz | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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California Pacific Bank Fremont Branch |
194 Francisco Lane, Suite 100 | Fremont | CA |
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United Security Bank Legacy Bank Branch |
125 E. Campbell Avenue | Campbell | CA |
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First Bank San Mateo Branch |
24 E 4th Avenue | San Mateo | CA |
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Western Alliance Bank Palo Alto Branch |
525 University Avenue | Palo Alto | CA |
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Bank of Hope Silicon Valley Branch |
1102 East El Camino Real | Sunnyvale | CA |
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East West Bank San Mateo Branch |
27 East 4th Avenue | San Mateo | CA |
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Columbia Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | 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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