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You are viewing rates from banks across Oak Brook
Below are four-year CD Rates from banks in Illinois . 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.
Oak Brook, IL - July 17, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 365 days interest. |
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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 |
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4.05% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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3.76% |
$2,500 |
17.65 |
Learn More
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Rate History: 1.00% → 3.92% → 3.87% → 3.76% |
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3.50% |
$0 |
- |
Learn More
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Early Withdrawal Penalty is 6 months interest. |
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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 |
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3.50% |
$1,000 |
19.73 |
Learn More
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Rate History: 0.20% → 4.58% → 4.00% → 3.75% → 3.50% |
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3.50% |
$500 |
0.66 |
Learn More
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Rate History: 3.50% → 4.00% → 3.75% → 3.50% |
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3.45% |
$1,000 |
19.92 |
Learn More
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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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3.35% 0.35% |
$250,000 $1,000 |
8.87 |
Learn More
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% |
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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 |
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2.75% |
$500 |
- |
Learn More
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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2.75% |
$5,000 |
- |
Learn More
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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 |
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2.00% |
$5,000 |
18.55 |
Learn More
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Rate History: 0.25% → 2.00% |
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2.00% |
$0 |
20.89 |
Learn More
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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 |
23.31 |
Learn More
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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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1.75% |
$1,000 |
6.30 |
Learn More
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Rate History: 2.00% → 1.75% |
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Mandy | May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More |
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1.30% |
$500 |
20.39 |
Learn More
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Rate History: 1.00% → 1.30% → 1.40% → 1.30% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.20% |
$10,000 |
19.37 |
Learn More
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Al | Sep 26, 2016 I think the specials have ended. can you double check? Read More |
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1.20% |
$10,000 |
17.03 |
Learn More
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1.00% |
$10,000 |
18.76 |
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1.00% |
$10,000 |
23.46 |
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1.00% |
$5,000 |
15.51 |
Learn More
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Rate History: 1.25% → 1.00% |
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1.00% |
$10,000 |
20.06 |
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1.00% |
$1,000 |
20.78 |
Learn More
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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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1.00% |
$10,000 |
22.64 |
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0.90% |
$10,000 |
15.44 |
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0.90% |
$10,000 |
12.01 |
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0.85% |
$10,000 |
23.63 |
Learn More
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Mikki9678 | Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More |
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0.80% |
$1,000 |
10.55 |
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0.75% |
$10,000 |
18.82 |
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0.75% |
$10,000 |
17.99 |
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0.75% |
$1,000 |
13.34 |
Learn More
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Rate History: 1.50% → 0.75% |
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0.75% |
$10,000 |
23.44 |
Learn More
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0.70% |
$10,000 |
1.82 |
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0.65% |
$10,000 |
19.65 |
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0.60% |
$100,000 |
8.54 |
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0.60% |
$100,000 |
12.39 |
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0.60% |
$10,000 |
19.27 |
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0.60% |
$10,000 |
14.63 |
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0.60% |
$2,500 |
13.10 |
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0.60% |
$10,000 |
13.68 |
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0.55% |
$10,000 |
12.39 |
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0.55% |
$10,000 |
24.70 |
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0.55% |
$100,000 |
22.07 |
Learn More
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0.51% |
$10,000 |
24.19 |
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0.50% |
$1,000 |
- |
Learn More
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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 |
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0.50% |
$10,000 |
21.86 |
Learn More
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0.50% |
$1,000 |
8.54 |
Learn More
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0.50% |
$100,000 |
19.53 |
Learn More
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.50% |
$10,000 |
22.07 |
Learn More
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0.50% |
$100,000 |
10.61 |
Learn More
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business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
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0.50% |
$10,000 |
9.65 |
Learn More
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0.50% |
$1,000 |
23.90 |
Learn More
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Allan | Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More |
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0.45% |
$10,000 |
19.53 |
Learn More
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.45% |
$10,000 |
10.61 |
Learn More
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business owner | Feb 21, 2019 Please read this for all small business owners. Do NOT use wintrust for any small business loans. They drained me for over 2 months, and I constantly had to contact them to see what is up. We were told ... Read More |
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0.40% |
$10,000 |
16.07 |
Learn More
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0.40% |
$10,000 |
22.02 |
Learn More
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0.40% |
$50,000 |
1.81 |
Learn More
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0.40% |
$10,000 |
3.92 |
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0.40% |
$500 |
5.71 |
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0.40% |
$10,000 |
5.90 |
Learn More
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0.36% |
$10,000 |
21.72 |
Learn More
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0.35% |
$10,000 |
7.76 |
Learn More
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theee | Dec 26, 2017 Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More |
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0.35% |
$100,000 |
16.07 |
Learn More
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0.35% |
$100,000 |
6.91 |
Learn More
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Squittyrules83 | Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More |
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0.35% |
$10,000 |
13.92 |
Learn More
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0.35% |
$10,000 |
12.78 |
Learn More
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0.35% |
$10,000 |
11.50 |
Learn More
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0.30% |
$10,000 |
22.37 |
Learn More
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RobertJ | May 10, 2022 Centrust Bank is excellent to do business with. Friendly and experienced bankers. Read More |
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0.30% |
$10,000 |
6.91 |
Learn More
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Squittyrules83 | Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More |
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0.30% |
$10,000 |
17.97 |
Learn More
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0.29% |
$1,000 |
10.91 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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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 |
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0.25% |
$10,000 |
18.10 |
Learn More
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.20% |
$10,000 |
13.61 |
Learn More
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Doug | Aug 22, 2017 $100K min on new CD's. They will not bend. So had to take $170K to another bank, now @ 2.5%. Read More |
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0.15% |
$500 |
19.11 |
Learn More
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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 |
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0.03% |
$25,000 |
19.17 |
Learn More
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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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0.03% |
$100,000 |
22.23 |
Learn More
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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 |
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0.01% |
$500 |
23.32 |
Learn More
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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0.01% |
$10,000 |
19.83 |
Learn 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.
Use or Change these Amounts And Rates