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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Dunedin
Below are four-year CD Rates from banks in Florida . 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.
Dunedin, FL - July 4, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.05% |
$5,000 |
3.06 |
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Rate History: 4.00% → 4.10% → 4.15% → 4.25% → 4.05% |
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3.45% |
$1,000 |
12.28 |
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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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2.00% |
$10,000 |
11.78 |
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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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1.50% |
$500 |
19.49 |
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Rate History: 0.10% → 1.50% |
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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1.50% |
$500 |
7.56 |
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1.00% |
$1,000 |
19.39 |
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Rate History: 0.15% → 1.35% → 4.00% → 1.35% → 1.00% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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0.96% |
$10,000 |
3.13 |
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0.80% |
$10,000 |
5.11 |
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.60% |
$10,000 |
13.07 |
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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 |
9.57 |
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0.50% |
$10,000 |
8.38 |
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0.40% |
$10,000 |
9.57 |
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0.35% |
$100,000 |
6.92 |
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Asj | Nov 15, 2020 Do they? Read More |
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0.35% |
$10,000 |
12.38 |
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Jason Wach | Aug 22, 2019 Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More |
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0.35% |
$10,000 |
6.92 |
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Asj | Nov 15, 2020 Do they? Read More |
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0.05% 0.01% |
$2,501 $2,500 |
12.34 |
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
6.01 |
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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 |
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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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