California

Image Courtesy: www.pixabay.com

Livermore, California CD Rates – 4-Year

You are viewing rates from banks across Livermore





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.

Livermore, CA - August 9, 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: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%

| Jul 3, 2023

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

Warning: Early withdrawal penalty is 3.00%.
Rate History: 2.00% → 3.75%

| 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

Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50%

Rate History: 3.95% → 3.85% → 3.80% → 3.45%

| 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

| 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% → 2.50% → 2.00%

| Jan 2, 2023

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

Rate History: 1.76% → 1.51%

0.90%

$10,000

23.66

Learn More

0.75%

$10,000

22.33

Learn More

0.60%

$100,000

21.00

Learn More

| 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

13.27

Learn More

0.45%

$10,000

24.10

Learn More

| Mar 9, 2021

the worst bank I've ever dealt with in my 72 years Read More

0.40%

$10,000

21.00

Learn More

| 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 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

| 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

| 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

| 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

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 Livermore, CA - August 9, 2025


Branch Street City State
Poppy Bank
Walnut Creek Branch
1940 Tice Valley Boulevard Walnut Creek CA
State Bank of India (California)
State Bank Of India (California) - F Branch
39148 Paseo Padre Parkway Fremont CA
Monet Bank
Walnut Creek Branch
1631 North California Blvd Walnut Creek CA
Citibank, National Association
Hayward Branch
22548 Second Street Hayward CA
JPMorgan Chase Bank, National Association
Jackson And Amador Branch
255 W Jackson St Hayward CA
Fremont Bank
Castro Valley Branch
3549 Castro Valley Boulevard Castro Valley CA
City National Bank
Walnut Creek Banking Office Branch
2001 North Main Street Walnut Creek CA
Fremont Bank
Castro Valley Branch
3549 Castro Valley Boulevard Castro Valley CA
Metropolitan Bank
San Jose Branch
1816 Tully Road, No. 192 San Jose CA
SMBC MANUBANK
San Jose Branch
100 Century Center Court, Suite 205 San Jose CA
Bank of Stockton
Lone Tree Way Branch
6590 Lone Tree Way Brentwood CA
California Pacific Bank
Fremont Branch
194 Francisco Lane, Suite 100 Fremont CA
First Bank
Walnut Creek Branch
1700 N Broadway, Suite 100 Walnut Creek CA
Western Alliance Bank
San Jose Branch
55 Almaden Blvd San Jose CA
Westamerica Bank
Walnut Creek Branch
1676 North California Blvd., #p-120 Walnut Creek CA
Bank of Stockton
Lone Tree Way Branch
6590 Lone Tree Way Brentwood CA
East West Bank
Newark Branch
35233 Newark Boulevard, Suite E Newark CA
Umpqua Bank
Walnut Creek Commercial Banking Cent Branch
1333 N California Blvd, Suite Sl30 Walnut Creek CA
Comerica Bank
Hayward Banking Center Branch
858 B Street Hayward CA
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.

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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates