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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Sunnyvale
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.
Sunnyvale, CA - August 2, 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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3.90% |
$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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3.75% |
$1,000 |
7.10 |
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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 |
11.49 |
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Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50% |
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3.45% |
$1,000 |
4.74 |
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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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3.35% 0.35% |
$250,000 $1,000 |
2.70 |
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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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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 |
19.35 |
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
21.73 |
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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 |
22.85 |
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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1.75% 1.25% |
$100,000 $2,500 |
24.23 |
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1.51% |
$10,000 |
21.89 |
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Rate History: 1.76% → 1.51% |
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1.15% |
$100,000 |
8.66 |
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0.90% |
$10,000 |
11.21 |
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0.80% |
$10,000 |
8.66 |
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0.75% |
$10,000 |
5.59 |
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0.65% |
$10,000 |
23.47 |
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0.55% |
$100,000 |
7.97 |
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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% |
$10,000 |
11.01 |
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0.45% |
$10,000 |
7.97 |
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0.45% |
$1,000 |
20.22 |
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0.45% |
$10,000 |
8.54 |
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0.45% |
$10,000 |
21.48 |
Learn More
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scott | Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More |
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0.40% |
$50,000 |
22.08 |
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 |
20.21 |
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% 0.10% |
$1 $0 |
7.52 |
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 |
21.71 |
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 |
21.84 |
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 |
21.95 |
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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| 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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Zions Bank San Mateo Branch |
1690 South El Camino Real | San Mateo | CA |
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Citibank, National Association Burlingame Branch |
210 Primrose Road | Burlingame | CA |
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JPMorgan Chase Bank, National Association El Camino Real & Broadway Banking Ce Branch |
1188 El Camino Real | Burlingame | CA |
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Fremont Bank San Leandro Branch |
1480 East 14th Street | San Leandro | CA |
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City National Bank Burlingame Branch |
1450 Chapin Avenue | Burlingame | CA |
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Fremont Bank San Leandro Branch |
1480 East 14th Street | San Leandro | 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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West Coast Community Bank Scotts Valley Branch |
4604 Scotts Valley Drive | Scotts Valley | 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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Westamerica Bank Pleasanton Branch |
5700 Stoneridge Mall, Suite 110 | Pleasanton | CA |
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Cathay Bank Airport Boulevard Branch |
500 Airport Boulevard, Suite 328 | Burlingame | 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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Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
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Comerica Bank Burlingame Branch |
1351 Howard Street | Burlingame | CA |
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U.S. Bank National Association Burlingame Branch |
1423 Burlingame Avenue | Burlingame | CA |
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Umpqua Bank San Jose Downtown Branch |
225 W. Santa Clara Street, Suite 150 | San Jose | CA |
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Bank of America, National Association Burlingame Branch |
400 El Camino Real | Burlingame | 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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