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Image Courtesy: www.pixabay.com
You are viewing rates from banks across San Clemente
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.
San Clemente, CA - July 16, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.50% |
$1,000 |
21.78 |
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Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50% |
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3.45% |
$1,000 |
18.87 |
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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2.53% |
$1,000 |
23.38 |
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Rate History: 3.05% → 2.53% |
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|
2.00% |
$0 |
24.78 |
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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 |
24.76 |
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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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|
1.77% |
$1,000 |
21.24 |
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1.51% |
$10,000 |
18.93 |
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Rate History: 1.76% → 1.51% |
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|
1.00% |
$100,000 |
21.70 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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|
0.80% |
$100,000 |
21.68 |
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0.75% |
$100,000 |
20.55 |
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0.75% |
$10,000 |
21.02 |
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0.75% |
$10,000 |
21.68 |
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|
0.65% |
$10,000 |
15.94 |
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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|
0.60% |
$10,000 |
23.94 |
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0.50% |
$100,000 |
18.96 |
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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 |
21.11 |
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|
0.45% |
$1,000 |
23.84 |
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|
0.45% |
$10,000 |
18.96 |
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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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|
0.30% |
$10,000 |
20.55 |
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|
0.15% |
$500 |
20.97 |
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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 |
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|
0.15% 0.10% |
$1 $0 |
20.93 |
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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 |
24.70 |
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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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| Branch | Street | City | State |
|---|---|---|---|
|
State Bank of India (California) State Bank Of India (California) Branch |
2827 Park Avenue, Suite 10a | Tustin | CA |
|
Monet Bank Irvine Branch |
5600 Michelson Drive, Suite 140 | Irvine | CA |
|
Zions Bank Zb, National Association Branch |
3420 Bristol Street | Costa Mesa | CA |
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Citibank, National Association Citibank, National Association Branch |
20981 Magnolia Street | Huntington Beach | CA |
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JPMorgan Chase Bank, National Association Atlanta And Magnolia Branch |
20972 Magnolia Street | Huntington Beach | CA |
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PCB Bank Irvine Branch |
13140 Yale Avenue | Irvine | CA |
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City National Bank Newport Center Banking Office Branch |
500 Newport Center Drive | Newport Beach | CA |
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First Credit Bank First Credit Bank Branch |
18552 Macarthur Boulevard, Suite 102 | Irvine | CA |
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CalPrivate Bank San Diego Private Bank Branch |
18552 Macarthur Blvd, Suite220 | Irvine | CA |
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Mega Bank Irvine Branch |
3996 Barranca Pkwy Suite 100 | Irvine | CA |
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SMBC MANUBANK Orange County Branch |
1301 Dove Street | Newport Beach | CA |
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CalPrivate Bank San Diego Private Bank Branch |
18552 Macarthur Blvd, Suite220 | Irvine | CA |
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Commonwealth Business Bank Irvine Center Branch |
9120 Irvine Center Drive, #100 | Irvine | CA |
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Tustin Community Bank Tustin Community Bank Branch |
13891 Newport Avenue, Suites 100 & 130 | Tustin | CA |
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Mechanics Bank Newport Beach Branch |
610 Newport Center Drive, Suite 100 | Newport Beach | CA |
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Citizens Business Bank Newport Beach Commercial Banking Cen Branch |
1401 Dove St. | Newport Beach | CA |
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First Bank Costa Mesa Branch |
3001 Harbor Boulevard, Suite C | Costa Mesa | CA |
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Mechanics Bank Newport Beach Branch |
610 Newport Center Drive, Suite 100 | Newport Beach | CA |
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Mega Bank Irvine Branch |
3996 Barranca Pkwy Suite 100 | Irvine | CA |
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First-Citizens Bank & Trust Company Newport Beach Branch |
1201 Dove Street | Newport Beach | CA |
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Umpqua Bank Newport Beach Branch |
4040 Macarthur Boulevard, Suite 100 | Newport Beach | CA |
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Comerica Bank South Huntington Beach Branch |
10111 Adams Avenue, Suite 101 | Huntington Beach | CA |
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Umpqua Bank Newport Beach Branch |
4040 Macarthur Boulevard, Suite 100 | Newport Beach | 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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