Best 4-Year CD Rates in Colorado, CO

You are viewing rates from banks across Colorado

Below are four-year CD Rates from banks in Colorado . 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.

CO - August 15, 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)
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)
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
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 USA Denver 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)
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Bank of Hope	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
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 Durango Downtown 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	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 Coal Mine & Kipling Banking Center B 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)
High Country Bank High Country Bank Branch	1.70%	$100,000	-	Learn More Add Review
BOKF, National Association Highlands Ranch Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
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%
First Pioneer National Bank Holyoke Branch	1.36%	$100,000	-	Learn More Add Review
Champion Bank Champion Bank Branch	1.34%	$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
Four Corners Community Bank Cortez Branch	1.25%	$10,000	-	Learn More
Unhappy customer definitely NOT THE BANK FOR ME! \| Sep 21, 2020 I am fed up with how poorly this bank is run. I have made deposit and given a receipt with the wrong amount more than once. I have received other customer's cancelled checks. The online bank site is a mess... Read More Reviews (1)
First National Bank, Cortez First National Bank, Cortez Branch	1.18%	$100,000	-	Learn More Add Review
Park State Bank & Trust Park State Bank & Trust Branch	1.16%	$500	-	Learn More Add Review
NBH Bank Nbh Bank Branch	1.15%	$10,000	-	Learn More Add Review
First Pioneer National Bank Holyoke Branch	1.11%	$10,000	-	Learn More Add Review
Yampa Valley Bank Yampa Valley Bank Branch	1.11%	$10,000	-	Learn More Add Review
First Southwest Bank First Southwest Bank Branch	1.11%	$10,000	-	Learn More Add Review
First National Bank Arapahoe Bank And Trust Branch	1.10%	$1,000	-	Learn More Add Review
Equitable Savings and Loan Association Limon Branch	1.06%	$10,000	-	Learn More Add Review
First FarmBank Yuma Colorado Branch	1.05%	$10,000	-	Learn More Add Review
Gunnison Savings and Loan Association Crested Butte Branch	1.01%	$10,000	-	Learn More Add Review
The State Bank Falcon Branch	1.00%	$10,000	-	Learn More Add Review
Mountain Valley Bank Mountain Valley Bank Branch	1.00%	$10,000	-	Learn More Add Review
Points West Community Bank Good Samaritan Branch	1.00%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA Fort Morgan Br Branch	1.00%	$10,000	-	Learn More Add Review
North Valley Bank North Valley Bank Branch	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
First National Bank, Cortez First National Bank, Cortez Branch	0.99%	$10,000	-	Learn More Add Review
MNB BANK Burlington Colorado Branch	0.90%	$10,000	-	Learn More Add Review
CoreFirst Bank & Trust Corefirst - Vallagio Branch	0.90%	$10,000	-	Learn More Add Review
FirsTier Bank	0.90%	$10,000	-	Learn More Add Review
Points West Community Bank Good Samaritan Branch	0.90%	$10,000	-	Learn More Add Review
GNBank, National Association Valley State Bank Branch	0.85%	$10,000	-	Learn More Add Review
High Country Bank High Country Bank Branch	0.85%	$10,000	-	Learn More Add Review
The Gunnison Bank and Trust Company Crested Butte Branch	0.85%	$10,000	-	Learn More Add Review
FMS Bank Fms Bank Branch	0.85%	$100,000	-	Learn More Add Review
Del Norte Bank Del Norte Bank Branch	0.80%	$100,000	-	Learn More Add Review
Integrity Bank & Trust Powers Center Point Branch	0.80%	$10,000	-	Learn More Add Review
Academy Bank, National Association Downtown Colo Sprs Main Branch	0.80%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
RNB STATE BANK Rawlins National Bank - Longmont Bra Branch	0.80%	$100,000	-	Learn More Add Review
Farmers Bank Farmers Bank Branch	0.75%	$10,000	-	Learn More
eberhard1111 \| Sep 10, 2019 215,000.00 Read More Reviews (1)
Stockmens Bank Stockmens Bank Branch	0.75%	$10,000	-	Learn More Add Review
The Farmers State Bank of Brush Drive-In Facility Branch	0.75%	$10,000	-	Learn More Add Review
United Business Bank	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)
The Dolores State Bank Mancos Valley Bank - Cortez Location Branch	0.75%	$100,000	-	Learn More Add Review
The Pueblo Bank and Trust Company Drive-In Facility Branch	0.75%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust Cheyenne Meadows Branch	0.75%	$100,000	-	Learn More Add Review
FMS Bank Fms Bank Branch	0.75%	$10,000	-	Learn More Add Review
Adams Bank & Trust Firestone Branch	0.75%	$10,000	-	Learn More Add Review
The Dolores State Bank Mancos Valley Bank - Cortez Location Branch	0.70%	$10,000	-	Learn More Add Review
RNB STATE BANK Rawlins National Bank - Longmont Bra Branch	0.70%	$10,000	-	Learn More Add Review
Del Norte Bank Del Norte Bank Branch	0.70%	$10,000	-	Learn More Add Review
Grand Valley Bank 925 N. 7th Street Branch	0.70%	$10,000	-	Learn More Add Review
FNB Bank Kirk Branch	0.70%	$100,000	-	Learn More Add Review
Home Loan State Bank Home Loan State Bank Branch	0.65%	$10,000	-	Learn More Add Review
Waypoint Bank Mountain View Branch	0.65%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Fort Carson Facility Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
FirstOak Bank Firstoak Bank-Pueblo Branch	0.60%	$10,000	-	Learn More Add Review
Redstone Bank Redstone Bank Branch	0.60%	$10,000	-	Learn More Add Review
The First National Bank of Las Animas Monument Branch	0.60%	$10,000	-	Learn More Add Review
Rocky Mountain Bank & Trust Cheyenne Meadows Branch	0.60%	$10,000	-	Learn More Add Review
Timberline Bank Montrose Branch	0.59%	$1,000	-	Learn More Add Review
First National Bank Arapahoe Bank And Trust Branch	0.57%	$10,000	-	Learn More Add Review
Native American Bank, National Association Native American Bank, National Association Branch	0.55%	$100,000	-	Learn More Add Review
Frontier Bank Springfield Branch	0.55%	$100,000	-	Learn More Add Review
5Star Bank 5star Bank Branch	0.55%	$10,000	-	Learn More Add Review
Native American Bank, National Association Native American Bank, National Association Branch	0.50%	$10,000	-	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
Frontier Bank Springfield Branch	0.50%	$10,000	-	Learn More Add Review
Liberty Savings Bank, F.S.B. Granby Branch	0.45%	$10,000	-	Learn More Add Review
Glacier Bank Hot Springs Boulevard Branch	0.45%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
MidFirst Bank Kent Denver Br 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)
ANB Bank Fort Collins Branch	0.40%	$10,000	-	Learn More Add Review
InBank North Convent Branch	0.35%	$100,000	-	Learn More
Trujillo \| Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More Reviews (1)
UMB Bank, National Association Highlands Banking Center Branch	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
InBank North Convent Branch	0.30%	$10,000	-	Learn More
Trujillo \| Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More Reviews (1)
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
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
First-Citizens Bank & Trust Company Fort Collins 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)
U.S. Bank National Association Denver Federal Center 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)
First National Bank of Omaha Csu Branch	0.12%	$500	-	Learn More Add Review
KeyBank National Association Governor's Plaza Branch	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)
FNB Bank Kirk Branch	0.05%	$10,000	-	Learn More Add Review
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 Cherry Creek 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)
Evergreen National Bank Georgetown Branch	0.01%	$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
Beal Bank USA Denver Branch	154 Steele Street	Denver	CO
Zions Bank Durango Downtown Branch	890 Camino Del Rio	Durango	CO
JPMorgan Chase Bank, National Association Coal Mine & Kipling Banking Center B Branch	9859 West Coal Mine Avenue	Littleton	CO
High Country Bank High Country Bank Branch	7360 West Us Highway 50	Salida	CO
BOKF, National Association Highlands Ranch Branch	9561 S. University Blvd	Highlands Ranch	CO
First Pioneer National Bank Holyoke Branch	150 South Interocean Street	Holyoke	CO
Champion Bank Champion Bank Branch	16790 Centre Court	Parker	CO
Four Corners Community Bank Cortez Branch	343 E. Main St.	Cortez	CO
First National Bank, Cortez First National Bank, Cortez Branch	2258 E. Main Street	Cortez	CO
Park State Bank & Trust Park State Bank & Trust Branch	710 W Hwy 24	Woodland Park	CO
NBH Bank Nbh Bank Branch	Wapiti Ave	Rifle	CO
First Pioneer National Bank Holyoke Branch	150 South Interocean Street	Holyoke	CO
Yampa Valley Bank Yampa Valley Bank Branch	600 South Lincoln Avenue	Steamboat Springs	CO
First Southwest Bank First Southwest Bank Branch	720 Main Street	Alamosa	CO
First National Bank Arapahoe Bank And Trust Branch	7777 East Arapahoe Road	Englewood	CO
Equitable Savings and Loan Association Limon Branch	888 Main Street	Limon	CO
First FarmBank Yuma Colorado Branch	501 E. 8th Avenue	Yuma	CO
Gunnison Savings and Loan Association Crested Butte Branch	501 Elk Ave	Crested Butte	CO
The State Bank Falcon Branch	7495 Mclaughlin Road	Peyton	CO
Mountain Valley Bank Mountain Valley Bank Branch	461 Main	Walden	CO
Points West Community Bank Good Samaritan Branch	805 Compassion Drive	Windsor	CO
Golden Belt Bank, FSA Fort Morgan Br Branch	321 Ensign Street	Fort Morgan	CO
North Valley Bank North Valley Bank Branch	9001 North Washington Street	Thornton	CO
First National Bank, Cortez First National Bank, Cortez Branch	2258 E. Main Street	Cortez	CO
MNB BANK Burlington Colorado Branch	17999 Us Highway 385	Burlington	CO
CoreFirst Bank & Trust Corefirst - Vallagio Branch	10130 E. Dry Creek Road	Englewood	CO
Points West Community Bank Good Samaritan Branch	805 Compassion Drive	Windsor	CO
GNBank, National Association Valley State Bank Branch	204 South Fourth St	Lamar	CO
High Country Bank High Country Bank Branch	7360 West Us Highway 50	Salida	CO
The Gunnison Bank and Trust Company Crested Butte Branch	6th And Gothic	Crested Butte	CO
FMS Bank Fms Bank Branch	520 Sherman Street	Fort Morgan	CO
Del Norte Bank Del Norte Bank Branch	705 Grand Avenue	Del Norte	CO
Integrity Bank & Trust Powers Center Point Branch	5550 Powers Center Point	Colorado Springs	CO
Academy Bank, National Association Downtown Colo Sprs Main Branch	One South Tejon Street	Colorado Springs	CO
RNB STATE BANK Rawlins National Bank - Longmont Bra Branch	2001 North Main Street	Longmont	CO
Farmers Bank Farmers Bank Branch	119 First Street	Ault	CO
Stockmens Bank Stockmens Bank Branch	25 N. Cascade Avenue	Colorado Springs	CO
The Farmers State Bank of Brush Drive-In Facility Branch	205 Carson Street	Brush	CO
The Dolores State Bank Mancos Valley Bank - Cortez Location Branch	27780 Hwy 160	Cortez	CO
The Pueblo Bank and Trust Company Drive-In Facility Branch	Sixth Street And Grand Avenue	Pueblo	CO
Rocky Mountain Bank & Trust Cheyenne Meadows Branch	755 Cheyenne Meadows	Colorado Springs	CO
FMS Bank Fms Bank Branch	520 Sherman Street	Fort Morgan	CO
Adams Bank & Trust Firestone Branch	8308 Colorado Blvd	Firestone	CO
The Dolores State Bank Mancos Valley Bank - Cortez Location Branch	27780 Hwy 160	Cortez	CO
RNB STATE BANK Rawlins National Bank - Longmont Bra Branch	2001 North Main Street	Longmont	CO
Del Norte Bank Del Norte Bank Branch	705 Grand Avenue	Del Norte	CO
Grand Valley Bank 925 N. 7th Street Branch	925 North 7th Street	Grand Junction	CO
FNB Bank Kirk Branch	2988 County Road M	Kirk	CO
Home Loan State Bank Home Loan State Bank Branch	205 N. 4th Street	Grand Junction	CO
Waypoint Bank Mountain View Branch	24 South Weber Street Suite 151	Colorado Springs	CO
Armed Forces Bank, National Association Fort Carson Facility Branch	6384 Wetzel Avenue, Building 1512	Fort Carson	CO
FirstOak Bank Firstoak Bank-Pueblo Branch	1419 W Us Highway 50	Pueblo	CO
Redstone Bank Redstone Bank Branch	15765 East Arapahoe Road	Centennial	CO
First National Bank Colorado Monument Branch	581 Highway 105	Monument	CO
Rocky Mountain Bank & Trust Cheyenne Meadows Branch	755 Cheyenne Meadows	Colorado Springs	CO
Timberline Bank Montrose Branch	Oxbow Drive	Montrose	CO
First National Bank Arapahoe Bank And Trust Branch	7777 East Arapahoe Road	Englewood	CO
Native American Bank, National Association Native American Bank, National Association Branch	999 18th Street	Denver	CO
Frontier Bank Springfield Branch	808 Main Street	Springfield	CO
5Star Bank 5star Bank Branch	Peterson Air Force Base, 455 W. Paine St., Bldg. 1485	Colorado Springs	CO
Native American Bank, National Association Native American Bank, National Association Branch	999 18th Street	Denver	CO
Frontier Bank Springfield Branch	808 Main Street	Springfield	CO
Liberty Savings Bank, F.S.B. Granby Branch	91 E. Agate	Granby	CO
Glacier Bank Hot Springs Boulevard Branch	305 Hot Springs Boulevard	Pagosa Springs	CO
MidFirst Bank Kent Denver Br Branch	4000 E. Quincy Ave	Englewood	CO
ANB Bank Fort Collins Branch	2108 Milestone Drive	Fort Collins	CO
InBank North Convent Branch	320 North Convent St	Trinidad	CO
UMB Bank, National Association Highlands Banking Center Branch	8190 South University Boulevard	Littleton	CO
InBank North Convent Branch	320 North Convent St	Trinidad	CO
First-Citizens Bank & Trust Company Fort Collins Branch	2420 E Harmony Rd	Fort Collins	CO
U.S. Bank National Association Denver Federal Center Branch	One Denver Federal Center Building 41 Lobby	Denver	CO
First National Bank of Omaha Csu Branch	1101 Central Avenue Mall	Fort Collins	CO
KeyBank National Association Governor's Plaza Branch	9900 West Belleview Avenue	Littleton	CO
FNB Bank Kirk Branch	2988 County Road M	Kirk	CO
Bank of America, National Association Cherry Creek Branch	100 Filmore Street, Suite 100	Denver	CO
Evergreen National Bank Georgetown Branch	502 Sixth Street	Georgetown	CO

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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.

SAVINGS & CD CALCULATOR

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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

CD Products by State

CD Products by City in Colorado

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