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Image Courtesy: www.pixabay.com
You are viewing rates from banks across San Fernando
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 Fernando, CA - July 19, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
Learn More
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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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4.05% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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3.97% |
$10,000 |
10.08 |
Learn More
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Rate History: 4.59% → 4.54% → 4.39% → 4.23% → 3.97% |
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samcasino | Mar 5, 2021 The best rate on any CD or savings account is .40% Read More |
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3.50% |
$0 |
- |
Learn More
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Early Withdrawal Penalty is 6 months interest. |
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NS123 | Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More |
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3.50% |
$1,000 |
11.84 |
Learn More
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Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50% |
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3.45% |
$1,000 |
16.38 |
Learn More
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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3.35% 0.35% |
$250,000 $1,000 |
5.59 |
Learn More
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% |
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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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3.00% |
$1,500 |
19.45 |
Learn More
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Rate History: 2.00% → 3.00% |
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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 |
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2.75% |
$500 |
- |
Learn More
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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2.75% |
$5,000 |
- |
Learn More
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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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2.53% |
$1,000 |
11.67 |
Learn More
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
19.03 |
Learn More
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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 |
19.03 |
Learn More
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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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1.85% |
$1,000 |
18.87 |
Learn More
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1.77% |
$1,000 |
16.92 |
Learn More
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1.51% |
$10,000 |
9.40 |
Learn More
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Rate History: 1.76% → 1.51% |
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1.00% |
$100,000 |
13.51 |
Learn More
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.90% |
$10,000 |
22.69 |
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0.80% |
$10,000 |
18.82 |
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0.75% |
$100,000 |
22.72 |
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0.75% |
$10,000 |
11.25 |
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0.75% |
$10,000 |
13.41 |
Learn More
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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 |
17.04 |
Learn More
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RHG | Jan 29, 2019 The Bank does not have this product. Read More |
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0.50% |
$1,000 |
- |
Learn More
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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% |
$100,000 |
15.20 |
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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0.50% |
$10,000 |
18.53 |
Learn More
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Harry Reese | Jul 22, 2015 Fix your automated system so I can find information after you close Read More |
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0.45% |
$10,000 |
9.30 |
Learn More
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0.45% |
$1,000 |
21.91 |
Learn More
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0.45% |
$10,000 |
15.20 |
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 |
15.20 |
Learn More
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0.45% |
$10,000 |
16.96 |
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0.40% |
$10,000 |
21.71 |
Learn More
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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 |
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0.40% |
$50,000 |
7.43 |
Learn More
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0.40% |
$1,000 |
15.55 |
Learn More
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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 |
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0.30% |
$10,000 |
22.72 |
Learn More
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0.29% |
$100,000 |
10.88 |
Learn More
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0.27% |
$10,000 |
10.88 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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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 |
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0.20% |
$10,000 |
9.15 |
Learn More
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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 |
- |
Learn More
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wertlkgt | 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 |
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0.15% |
$500 |
9.20 |
Learn More
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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 |
9.22 |
Learn More
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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 |
11.42 |
Learn More
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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 |
21.07 |
Learn More
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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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0.03% |
$100,000 |
19.70 |
Learn More
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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 |
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0.00% |
$10,000 |
22.14 |
Learn More
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| Branch | Street | City | State |
|---|---|---|---|
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Community Commerce Bank Tarzana Branch |
19538 Ventura Boulevard | Tarzana | CA |
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State Bank of India (California) State Bank Of India Branch |
21724 Ventura Blvd | Woodland Hills | CA |
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Monet Bank Brentwood Branch |
11755 Wilshire Boulevard, Suite 10 | Los Angeles | CA |
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Bank of Hope Northridge Branch |
10147 Reseda Boulevard | Northridge | CA |
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Habib American Bank Los Angeles Branch |
110 East Ninth Street, Al-10 | Los Angeles | CA |
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Zions Bank Woodland Hills Branch |
21800 Burbank Boulevard, Suite 160 | Woodland Hills | CA |
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Citibank, National Association Agoura Hills Branch |
5837 Kanan Rd. | Agoura Hills | CA |
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JPMorgan Chase Bank, National Association Madera & Royal Road Banking Center B Branch |
1324 Madera Road | Simi Valley | CA |
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American Plus Bank, N.A. Pasadena Branch |
171 S. Hudson Ave. | Pasadena | CA |
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PCB Bank Pacific City Bank Branch |
3701 Wilshire Boulevard, Suite 900 | Los Angeles | CA |
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City National Bank Chatsworth Banking Office Branch |
9400 Topanga Canyon Blvd | Chatsworth | CA |
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First Credit Bank First Credit Bank Branch |
9255 Sunset Boulevard | Los Angeles | CA |
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United Pacific Bank San Gabriel Valley Regional Office Branch |
101 West Garvey Avenue | Montery Park | CA |
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California Business Bank California Business Bank Branch |
3200 El Camino Real, Suite 220 | Irvine | CA |
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Mega Bank Mega Bank Branch |
245 West Valley Boulevard | San Gabriel | CA |
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SMBC MANUBANK Warner Center Branch |
21550 Oxnard Street, Suite 250 | Los Angeles | CA |
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United Business Bank Tri-Cities Branch |
330 North Brand Blvd., Ste. 120 | Glendale | CA |
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Commonwealth Business Bank Commonwealth Business Bank Branch |
3435 Wilshire Boulevard. Suite 100 | Los Angeles | CA |
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Mechanics Bank Beverly Hills Branch |
100 N Crescent Dr #125 | Beverly Hills | CA |
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Pacific Premier Bank, National Association Pasadena Branch |
199 South Los Robles Ave #130 | Pasadena | CA |
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Citizens Business Bank Encino Branch |
16830 Ventura Blvd Suite 310 | Encino | CA |
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First Bank Malibu Branch |
23755 West Malibu Road | Malibu | CA |
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Mechanics Bank Beverly Hills Branch |
100 N Crescent Dr #125 | Beverly Hills | CA |
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Western Alliance Bank Beverly Hills Branch |
9355 Wilshire Boulevard | Beverly Hills | CA |
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Royal Business Bank West La Branch |
2105 Sawtelle Blvd. | Los Angeles | CA |
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Beneficial State Bank Los Angeles Branch |
3626 East First Street | Los Angeles | CA |
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Cathay Bank Northridge Branch |
9045 Corbin Avenue #100 | Northridge | CA |
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MidFirst Bank Century City Branch |
1875 Century Park East, Suite 1400 | Los Angeles | CA |
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Bank of Hope Northridge Branch |
10147 Reseda Boulevard | Northridge | CA |
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Mega Bank Mega Bank Branch |
245 West Valley Boulevard | San Gabriel | CA |
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Bank of the Sierra Valencia Branch |
26328 Citrus Avenue | Valencia | CA |
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Bank of the Sierra Valencia Branch |
26328 Citrus Avenue | Valencia | CA |
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East West Bank San Fernando Valley Cbc0 Branch |
15821 Ventura Boulevard | Encino | CA |
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First-Citizens Bank & Trust Company Encino Branch |
16055 Ventura Boulevard, Ste 110 | Encino | CA |
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Umpqua Bank Encino Branch |
16501 Ventura Blvd., Suite 101 | Encino | CA |
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Comerica Bank Woodland Hills Branch |
5700 Canoga Ave Bldg G Ste 100 | Woodland Hills | CA |
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U.S. Bank National Association Westlake Village Branch |
5750 Lindero Canyon Road | Westlake Village | CA |
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Umpqua Bank Encino Branch |
16501 Ventura Blvd., Suite 101 | Encino | CA |
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Bank of America, National Association North Ranch Pavilions Branch |
1155 Lindero Canyon Road | Thousand Oaks | CA |
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Industrial and Commercial Bank of China USA, National Association Alhambra Branch |
388 East Valley Boulevard, Suite 118 | Alhambra | 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.
Use or Change these Amounts And Rates