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You are viewing rates from banks across Cairo
Below are four-year CD Rates from banks in Georgia . 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.
Cairo, GA - July 16, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
1.25% |
$10,000 |
18.89 |
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1.20% |
$10,000 |
18.01 |
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|
|
|
1.10% |
$10,000 |
0.98 |
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|
|
|
1.01% |
$10,000 |
24.97 |
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|
|
|
0.90% |
$10,000 |
0.47 |
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|
|
|
0.75% |
$10,000 |
12.46 |
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|
|
0.70% |
$10,000 |
18.74 |
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|
|
0.50% |
$100,000 |
4.96 |
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|
Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
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|
0.25% |
$10,000 |
4.96 |
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|
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Scrappy | Mar 10, 2021 HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More |
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|
0.20% |
$10,000 |
14.14 |
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|
COLETTE B | May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More |
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| Branch | Street | City | State |
|---|---|---|---|
|
Family Bank 800 East College Street Branch |
800 East College Street | Bainbridge | GA |
|
Bank of Camilla Pelham Branch |
127 West Railroad Street | Pelham | GA |
|
United National Bank United National Bank Branch |
722 N Broad St | Cairo | GA |
|
Planters and Citizens Bank Planters And Citizens Bank Branch |
21 North Harney Street | Camilla | GA |
|
First National Bank of Decatur County Cairo Branch |
600 N. Broad Street | Cairo | GA |
|
Thomasville National Bank Thomasville National Bank Branch |
301 North Broad Street | Thomasville | GA |
|
First Port City Bank Southside Branch |
1410 Tallahassee Highway | Bainbridge | GA |
|
Capital City Bank Highway 84 Branch |
Highway 84 East | Cairo | GA |
|
Capital City Bank Highway 84 Branch |
Highway 84 East | Cairo | GA |
|
Ameris Bank Ameris Bank Branch |
2484 East Pinetree Boulevard | Thomasville | GA |
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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