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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Santa Monica
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.
Santa Monica, CA - September 4, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.97% |
$10,000 |
11.42 |
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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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3.90% |
$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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3.75% |
$25,000 |
- |
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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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3.50% |
$1,000 |
12.08 |
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Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50% |
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3.45% |
$1,000 |
2.83 |
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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 |
16.74 |
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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 |
12.73 |
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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 |
- |
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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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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 |
12.38 |
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
20.21 |
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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 |
22.92 |
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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 |
20.93 |
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1.77% |
$1,000 |
15.06 |
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1.51% |
$10,000 |
20.33 |
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Rate History: 1.76% → 1.51% |
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1.00% |
$100,000 |
8.04 |
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maris | Mar 2, 2019 does require us citizenship? Read More |
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0.80% |
$10,000 |
12.66 |
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0.75% |
$10,000 |
12.70 |
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0.75% |
$10,000 |
15.71 |
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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 |
15.13 |
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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 |
- |
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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 |
20.22 |
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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 |
9.81 |
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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 |
9.98 |
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0.45% |
$1,000 |
19.94 |
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0.45% |
$10,000 |
20.22 |
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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 |
6.24 |
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0.45% |
$10,000 |
20.88 |
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0.40% |
$10,000 |
14.42 |
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0.40% |
$10,000 |
16.17 |
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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 |
15.65 |
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0.40% |
$1,000 |
5.22 |
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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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0.25% |
$10,000 |
- |
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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 |
9.78 |
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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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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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0.15% |
$10,000 |
20.21 |
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0.15% |
$500 |
9.78 |
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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 |
9.90 |
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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 |
19.94 |
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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 |
22.93 |
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 |
22.94 |
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 |
15.59 |
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 Citibank, National Association Branch |
974 Westlake Boulevard | Westlake Village | CA |
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JPMorgan Chase Bank, National Association Avenida De Los Arboles And Erbes Bra Branch |
2072 Avenida De Los Arboles | Thousand Oaks | CA |
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American Plus Bank, N.A. Pasadena Branch |
171 S. Hudson Ave. | Pasadena | CA |
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PCB Bank Torrance Branch |
2505 Torrance Boulevard | Torrance | CA |
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City National Bank Westlake Village Branch |
2655 Townsgate Road | Westlake Village | CA |
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First Credit Bank First Credit Bank Branch |
9255 Sunset Boulevard | Los Angeles | CA |
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California Business Bank California Business Bank Branch |
3200 El Camino Real, Suite 220 | Irvine | 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 South Bay Branch |
3770 W. Sepulveda Blvd. | Torrance | CA |
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Mechanics Bank Westlake Village Branch |
875 S Westlake Blvd., Suite 101 | Westlake Village | CA |
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Pacific Premier Bank, National Association Manhattan Beach Office Branch |
1419 Highland Avenue | Manhattan Beach | CA |
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Citizens Business Bank Encino Branch |
16830 Ventura Blvd Suite 310 | Encino | CA |
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First Bank Westlake Village Branch |
2797 Agoura Road | Westlake Village | CA |
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Mechanics Bank Westlake Village Branch |
875 S Westlake Blvd., Suite 101 | Westlake Village | CA |
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Western Alliance Bank Beverly Hills Branch |
9355 Wilshire Boulevard | Beverly Hills | CA |
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Royal Business Bank Hampshire Road Branch |
600 Hampshire Road, Suite 100 | Westlake Village | CA |
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Farmers and Merchants Bank of Long Beach Redondo Beach Branch |
1304 S. Pacific Coast Hwy | Redondo Beach | 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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East West Bank San Fernando Valley Cbc0 Branch |
15821 Ventura Boulevard | Encino | CA |
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Montecito Bank & Trust Westlake Village Branch |
968 South Westlake Blvd., Suite 10 | Westlake Village | 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 Westlake Village Branch |
2915 Townsgate Rd | Westlake Village | CA |
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U.S. Bank National Association Avenida De Las Arboles Vons Branch |
2048 Avenida De Las Arboles | Thousand Oaks | 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 Oakbrook Branch |
2012 East Avenida De Los Arboles | Thousand Oaks | CA |
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Industrial and Commercial Bank of China USA, National Association Torrance Branch |
23133 Hawthorne Boulevard. Suite 100 | Torrance | 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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