Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Vista
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.
Vista, CA - July 16, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.50% |
$1,000 |
20.66 |
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Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50% |
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2.53% |
$1,000 |
5.58 |
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
5.07 |
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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 |
7.13 |
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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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1.51% |
$10,000 |
4.55 |
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Rate History: 1.76% → 1.51% |
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|
0.80% |
$100,000 |
20.99 |
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0.75% |
$10,000 |
20.99 |
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0.60% |
$10,000 |
19.31 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.50% |
$100,000 |
3.40 |
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0.50% |
$100,000 |
21.06 |
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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 |
8.30 |
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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 |
15.95 |
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0.45% |
$1,000 |
24.85 |
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|
0.45% |
$10,000 |
21.06 |
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|
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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 |
3.40 |
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|
|
|
0.45% |
$10,000 |
3.46 |
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|
|
0.40% |
$100,000 |
24.51 |
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|
|
0.40% |
$50,000 |
24.87 |
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0.35% |
$10,000 |
24.51 |
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0.20% |
$10,000 |
24.34 |
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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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|
0.15% |
$500 |
23.51 |
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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% |
$1 |
4.29 |
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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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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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