Best 4-Year CD Rates in California, CA

You are viewing rates from banks across California

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.

CA - August 4, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Community Commerce Bank Claremont Branch	3.97%	$10,000	-	Learn More
Rate History: 4.59% → 4.54% → 4.39% → 4.23% → 3.97%
samcasino \| Mar 5, 2021 The best rate on any CD or savings account is .40% Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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 Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Poppy Bank Oakmont Branch	3.75%	$1,000	-	Learn More
Warning: Early withdrawal penalty is 3.00%. Rate History: 2.00% → 3.75%
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 Reviews (1)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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
State Bank of India (California) San Diego Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 2.27% → 3.95% → 3.44% → 2.27% → 3.50%
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Beal Bank San Diego Branch	3.45%	$1,000	-	Learn More Add Review
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
Beal Bank USA San Jose Branch	3.45%	$1,000	-	Learn More
Rate History: 3.95% → 3.85% → 3.80% → 3.45%
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 Reviews (3)
Bank of Hope Fullerton Branch	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
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 Reviews (1)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Habib American Bank Artesia Branch	3.00%	$1,500	-	Learn More
Rate History: 2.00% → 3.00%
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 Reviews (2)
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Zions Bank San Marcos Branch	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association West, National Association Branch	2.00%	$0	-	Learn More
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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association San Francisco - Embarcadero Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
American Plus Bank, N.A. American Plus Bank, N.A. Branch	1.85%	$1,000	-	Learn More Add Review
PCB Bank Downtown Fashion District Branch	1.77%	$1,000	-	Learn More Add Review
Fremont Bank Newark Branch	1.75% 1.25%	$100,000 $2,500	-	Learn More Add Review
City National Bank La Palma Branch	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Summit State Bank Summit State Bank Branch	1.29%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1.20%	$100,000	-	Learn More Add Review
Mission National Bank Mission National Bank Branch	1.20%	$100,000	-	Learn More Add Review
Balboa Thrift and Loan Association Balboa Thrift And Loan Association Branch	1.16%	$10,000	-	Learn More Add Review
California International Bank, N.A. California International Bank, N.A. Branch	1.15%	$10,000	-	Learn More Add Review
Avidbank Avidbank Branch	1.15%	$100,000	-	Learn More Add Review
Wallis Bank Wall Street Branch	1.00%	$100,000	-	Learn More Add Review
Mission National Bank Mission National Bank Branch	1.00%	$10,000	-	Learn More Add Review
First Credit Bank First Credit Bank Branch	1.00%	$100,000	-	Learn More
maris \| Mar 2, 2019 does require us citizenship? Read More Reviews (1)
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Bank of the Orient Millbrae Branch	0.99%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association of San Rafael 6058 College Avenue Branch	0.95%	$10,000	-	Learn More Add Review
Wallis Bank Wall Street Branch	0.95%	$10,000	-	Learn More Add Review
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	0.90%	$10,000	-	Learn More Add Review
Metropolitan Bank Oakland Chinatown Branch	0.90%	$10,000	-	Learn More Add Review
United Pacific Bank United Pacific Bank Branch	0.90%	$10,000	-	Learn More Add Review
Bank of the Orient Millbrae Branch	0.89%	$10,000	-	Learn More Add Review
Home Bank of California Home Bank Of California Branch	0.85%	$10,000	-	Learn More Add Review
California Business Bank California Business Bank Branch	0.80%	$10,000	-	Learn More Add Review
CalPrivate Bank La Jolla Branch	0.80%	$100,000	-	Learn More Add Review
Avidbank Avidbank Branch	0.80%	$10,000	-	Learn More Add Review
Mega Bank Mega Bank Branch	0.75%	$100,000	-	Learn More Add Review
Manufacturers Bank Beverly Hills Branch	0.75%	$10,000	-	Learn More Add Review
CalPrivate Bank La Jolla Branch	0.75%	$10,000	-	Learn More Add Review
United Business Bank Napa Branch	0.75%	$10,000	-	Learn More
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 Reviews (1)
Plumas Bank Redding Branch	0.75%	$100,000	-	Learn More Add Review
The Bank of Hemet Anza Branch	0.75%	$10,000	-	Learn More Add Review
Monterey County Bank Monterey County Bank Branch	0.70%	$10,000	-	Learn More Add Review
Neighborhood National Bank Neighborhood National Bank Branch	0.70%	$10,000	-	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.70%	$100,000	-	Learn More Add Review
COMMONWEALTH BUSINESS BANK Irvine Center Branch	0.65%	$10,000	-	Learn More
RHG \| Jan 29, 2019 The Bank does not have this product. Read More Reviews (1)
Fresno First Bank Fresno First Bank Branch	0.65%	$100,000	-	Learn More Add Review
Plumas Bank Redding Branch	0.65%	$10,000	-	Learn More Add Review
Santa Cruz County Bank Capitola Branch	0.65%	$10,000	-	Learn More Add Review
Tustin Community Bank Tustin Community Bank Branch	0.60%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Five Star Bank Elk Grove Branch	0.60%	$10,000	-	Learn More Add Review
Fresno First Bank Fresno First Bank Branch	0.60%	$10,000	-	Learn More Add Review
Golden Valley Bank Golden Valley Bank Branch	0.60%	$10,000	-	Learn More Add Review
Bank of Stockton Lone Tree Way Branch	0.60%	$100,000	-	Learn More Add Review
United Security Bank Convention Center Branch	0.55%	$100,000	-	Learn More Add Review
Community Valley Bank Brawley Branch	0.55%	$100,000	-	Learn More
laberta ewing \| Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More Reviews (1)
Mission Bank Lancaster Branch	0.53%	$100,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
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
Bank of Southern California, N.A. La Quinta Branch	0.50%	$100,000	-	Learn More Add Review
Mechanics Bank Westlake Village Branch	0.50%	$100,000	-	Learn More
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 Reviews (1)
Pacific Premier Bank Montebello Office Branch	0.50%	$10,000	-	Learn More
Harry Reese \| Jul 22, 2015 Fix your automated system so I can find information after you close Read More Reviews (1)
California Pacific Bank California Pacific Bank Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Business Bank County Commerce Bank Branch	0.45%	$10,000	-	Learn More Add Review
United Security Bank Convention Center Branch	0.45%	$10,000	-	Learn More Add Review
First Bank Kearny Mesa Branch	0.45%	$1,000	-	Learn More Add Review
Mechanics Bank Westlake Village Branch	0.45%	$10,000	-	Learn More
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 Reviews (1)
Bank of Southern California, N.A. La Quinta Branch	0.45%	$10,000	-	Learn More Add Review
Bank of San Francisco Bank Of San Francisco Branch	0.45%	$100,000	-	Learn More Add Review
Western Alliance Bank Kearny Mesa Branch	0.45%	$10,000	-	Learn More Add Review
Westamerica Bank Northgate Branch	0.45%	$10,000	-	Learn More
scott \| Mar 9, 2021 the worst bank I've ever dealt with in my 72 years Read More Reviews (2)
Royal Business Bank Buena Park Branch	0.45%	$10,000	-	Learn More Add Review
Exchange Bank Windsor Branch	0.42%	$100,000	-	Learn More Add Review
Mission Bank Lancaster Branch	0.42%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank of Long Beach Huntington Beach Branch	0.40%	$10,000	-	Learn More Add Review
Provident Savings Bank, F.S.B. La Quinta Branch	0.40%	$100,000	-	Learn More Add Review
Exchange Bank Windsor Branch	0.40%	$10,000	-	Learn More Add Review
Northern California National Bank Northern California National Bank Branch	0.40%	$100,000	-	Learn More Add Review
Beneficial State Bank Beneficial State Bank Branch	0.40%	$10,000	-	Learn More
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 Reviews (1)
Cathay Bank Far East National Bank Main Office B Branch	0.40%	$50,000	-	Learn More Add Review
MidFirst Bank Century City Branch	0.40%	$1,000	-	Learn More
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 Reviews (3)
Bank of San Francisco Bank Of San Francisco Branch	0.40%	$10,000	-	Learn More Add Review
Bank of Stockton Lone Tree Way Branch	0.40%	$10,000	-	Learn More Add Review
Community Valley Bank Brawley Branch	0.35%	$10,000	-	Learn More
laberta ewing \| Mar 17, 2015 I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many. Read More Reviews (1)
Provident Savings Bank, F.S.B. La Quinta Branch	0.35%	$10,000	-	Learn More Add Review
Mega Bank Mega Bank Branch	0.30%	$10,000	-	Learn More Add Review
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	0.29%	$100,000	-	Learn More Add Review
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	0.27%	$10,000	-	Learn More Add Review
Pacific Valley Bank Monterey Branch	0.25%	$10,000	-	Learn More Add Review
Northern California National Bank Northern California National Bank Branch	0.25%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
East West Bank Metro United Bank Branch	0.20%	$10,000	-	Learn More
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 Reviews (2)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
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
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
Montecito Bank & Trust Hollister Branch	0.15%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	0.15%	$500	-	Learn More
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 Reviews (3)
Umpqua Bank Newport Beach Branch	0.15% 0.10%	$1 $0	-	Learn More
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 Reviews (2)
American Riviera Bank American Riviera Bank Branch	0.15%	$10,000	-	Learn More Add Review
Comerica Bank Carmel Main Branch	0.15%	$1	-	Learn More
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 Reviews (1)
U.S. Bank National Association Foster City Branch	0.15%	$500	-	Learn More
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 Reviews (2)
Bank of Guam San Francisco Branch	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Pasadena Pwm Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	0.00%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Community Commerce Bank Claremont Branch	390 West Foothill Boulevard	Claremont	CA
Poppy Bank Oakmont Branch	6580 Oakmont Drive	Santa Rosa	CA
State Bank of India (California) San Diego Branch	9494 Black Mountain Road Ste C	San Diego	CA
Monet Bank San Diego Branch	8880 Rio San Diego Dr Suite 103	San Diego	CA
Beal Bank USA San Jose Branch	5180 Stevens Creek Boulevard, Suite 20	San Jose	CA
Bank of Hope Fullerton Branch	5300 Beach Boulevard, Unit 101	Buena Park	CA
Habib American Bank Artesia Branch	18357 Pioneer Boulevard	Artesia	CA
Zions Bank San Marcos Branch	978 San Marcos Boulevard	San Marcos	CA
Citibank, National Association West, National Association Branch	One Sansome Street, 22nd Floor	San Francisco	CA
JPMorgan Chase Bank, National Association San Francisco - Embarcadero Branch	Two Embarcadero Ctr Branch	San Francisco	CA
American Plus Bank, N.A. American Plus Bank, N.A. Branch	630 West Duarte Road	Arcadia	CA
PCB Bank Downtown Fashion District Branch	777 E. 12th Street, Suite 200	Los Angeles	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
City National Bank La Palma Branch	One Centerpointe Drive	La Palma	CA
Summit State Bank Summit State Bank Branch	500 Bicentennial Way	Santa Rosa	CA
Fremont Bank Newark Branch	5829 Jarvis Avenue, Suite C	Newark	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1700 S. El Camino Real Ste 108	San Mateo	CA
Mission National Bank Mission National Bank Branch	3060 Sixteenth Street	San Francisco	CA
Balboa Thrift and Loan Association Balboa Thrift And Loan Association Branch	865 Amena Court	Chula Vista	CA
California International Bank, N.A. California International Bank, N.A. Branch	8632 East Valley Boulevard, Suite A	Rosemead	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
Wallis Bank Wall Street Branch	855 S. Wall Street #855w	Los Angeles	CA
Mission National Bank Mission National Bank Branch	3060 Sixteenth Street	San Francisco	CA
First Credit Bank First Credit Bank Branch	9255 Sunset Boulevard	Los Angeles	CA
Bank of the Orient Millbrae Branch	979 Broadway	Millbrae	CA
First Federal Savings and Loan Association of San Rafael 6058 College Avenue Branch	6058 College Avenue	Oakland	CA
Wallis Bank Wall Street Branch	855 S. Wall Street #855w	Los Angeles	CA
BEACON BUSINESS BANK, NATIONAL ASSOCIATION Peninsula Branch	1700 S. El Camino Real Ste 108	San Mateo	CA
Metropolitan Bank Oakland Chinatown Branch	381 8th Street	Oakland	CA
United Pacific Bank United Pacific Bank Branch	1630 South Azusa Avenue	City Of Industry	CA
Bank of the Orient Millbrae Branch	979 Broadway	Millbrae	CA
Home Bank of California Home Bank Of California Branch	4493 Ruffin Road	San Diego	CA
California Business Bank California Business Bank Branch	3200 El Camino Real, Suite 220	Irvine	CA
CalPrivate Bank La Jolla Branch	9404 Genesee Avenue, Suite 100	La Jolla	CA
Avidbank Avidbank Branch	1732 N 1st St. 6th Floor	San Jose	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
SMBC MANUBANK Beverly Hills Branch	9777 Wilshire Boulevard	Beverly Hills	CA
CalPrivate Bank La Jolla Branch	9404 Genesee Avenue, Suite 100	La Jolla	CA
United Business Bank Napa Branch	960 School Street	Napa	CA
Plumas Bank Redding Branch	1335 Hilltop Drive	Redding	CA
HCN Bank Anza Branch	56525 Highway 371	Anza	CA
Monterey County Bank Monterey County Bank Branch	601 Munras Avenue	Monterey	CA
Neighborhood National Bank Neighborhood National Bank Branch	3511 National Avenue	San Diego	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Commonwealth Business Bank Irvine Center Branch	9120 Irvine Center Drive, #100	Irvine	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
Plumas Bank Redding Branch	1335 Hilltop Drive	Redding	CA
West Coast Community Bank Capitola Branch	819 Bay Avenue	Capitola	CA
Tustin Community Bank Tustin Community Bank Branch	13891 Newport Avenue, Suites 100 & 130	Tustin	CA
Armed Forces Bank, National Association Armed Forces Bank, National Association Branch	37 Goldstone Road, Building 918	Fort Irwin	CA
Five Star Bank Elk Grove Branch	9355 East Stockton Blvd.	Elk Grove	CA
FFB Bank Fresno First Bank Branch	7690 N. Palm Avenue, Ste. 101	Fresno	CA
Golden Valley Bank Golden Valley Bank Branch	190 Cohasset Road, Suite 170	Chico	CA
Bank of Stockton Lone Tree Way Branch	6590 Lone Tree Way	Brentwood	CA
United Security Bank Convention Center Branch	855 M Street, Ste 130	Fresno	CA
Community Valley Bank Brawley Branch	310 Main Street	Brawley	CA
Mission Bank Lancaster Branch	43830 20th Street West	Lancaster	CA
California Bank of Commerce, National Association La Quinta Branch	47-000 Washington	La Quinta	CA
Mechanics Bank Westlake Village Branch	875 S Westlake Blvd., Suite 101	Westlake Village	CA
Pacific Premier Bank, National Association Montebello Office Branch	2417 West Whittier Blvd	Montebello	CA
California Pacific Bank California Pacific Bank Branch	100 Montgomery Street, Suite 2250	San Francisco	CA
Citizens Business Bank County Commerce Bank Branch	3260 Telegraph Road	Ventura	CA
United Security Bank Convention Center Branch	855 M Street, Ste 130	Fresno	CA
First Bank Kearny Mesa Branch	9363 Clairemont Mesa Boulevard, Suite S	San Diego	CA
Mechanics Bank Westlake Village Branch	875 S Westlake Blvd., Suite 101	Westlake Village	CA
California Bank of Commerce, National Association La Quinta Branch	47-000 Washington	La Quinta	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
Western Alliance Bank Kearny Mesa Branch	9280 Clairemont Mesa Boulevard	San Diego	CA
Westamerica Bank Northgate Branch	One Mitchell Boulevard	San Rafael	CA
Royal Business Bank Buena Park Branch	7025 Orangethorpe Avenue	Buena Park	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
Mission Bank Lancaster Branch	43830 20th Street West	Lancaster	CA
Farmers and Merchants Bank of Long Beach Huntington Beach Branch	7125 Yorktown Avenue	Huntington Beach	CA
Provident Savings Bank, F.S.B. La Quinta Branch	78752 U.S. Highway 111	La Quinta	CA
Exchange Bank Windsor Branch	8700 Lakewood Drive	Windsor	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
Beneficial State Bank Beneficial State Bank Branch	1438 Webster Street, Suite 100	Oakland	CA
Cathay Bank Far East National Bank Main Office B Branch	977 N. Broadway	Los Angeles	CA
MidFirst Bank Century City Branch	1875 Century Park East, Suite 1400	Los Angeles	CA
Bank of San Francisco Bank Of San Francisco Branch	575 Market Street, Suite 900	San Francisco	CA
Bank of Stockton Lone Tree Way Branch	6590 Lone Tree Way	Brentwood	CA
Community Valley Bank Brawley Branch	310 Main Street	Brawley	CA
Provident Savings Bank, F.S.B. La Quinta Branch	78752 U.S. Highway 111	La Quinta	CA
Bank of Hope Fullerton Branch	5300 Beach Boulevard, Unit 101	Buena Park	CA
Mega Bank Mega Bank Branch	245 West Valley Boulevard	San Gabriel	CA
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	402 West Ojai Avenue	Ojai	CA
Bank of the Sierra Ojai Community Bank Main Office Bran Branch	402 West Ojai Avenue	Ojai	CA
Pacific Valley Bank Monterey Branch	498 Alvarado Street	Monterey	CA
Column National Association Northern California National Bank Branch	1717 Mangrove Avenue, Suite 100	Chico	CA
East West Bank Metro United Bank Branch	7320 Clairemont Mesa Boulevard	San Diego	CA
Montecito Bank & Trust Hollister Branch	6900 Hollister Avenue	Goleta	CA
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	44575 Avenida De Missiones	Temecula	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
American Riviera Bank American Riviera Bank Branch	1033 Anacapa Street	Santa Barbara	CA
Comerica Bank Carmel Main Branch	Dolores Street Between 7th And 8th Avenues	Carmel	CA
U.S. Bank National Association Foster City Branch	999-F Edgewater	Foster City	CA
Bank of Guam San Francisco Branch	400 Montgomery Street	San Francisco	CA
Umpqua Bank Newport Beach Branch	4040 Macarthur Boulevard, Suite 100	Newport Beach	CA
Bank of America, National Association Pasadena Pwm Branch	800 E Colorado Blvd	Pasadena	CA
Industrial and Commercial Bank of China USA, National Association Clement Street Branch	622 Clement Street	San Francisco	CA

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

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.

Safety

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.

Interest

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.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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