Best 4-Year CD Rates in Lawrence, Indiana, IN

You are viewing rates from banks across Lawrence

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

Lawrence, IN - August 2, 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
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
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)
First Internet Bank of Indiana First Internet Bank Of Indiana Branch	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)
First Federal Savings Bank First Federal Savings Bank Branch	3.29%	$500	-	Learn More Add Review
Rate History: 2.52% → 3.03% → 3.29%
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
Logansport Savings Bank Logansport Savings Bank Branch	2.75%	$1,000	-	Learn More Add Review
Rate History: 1.85% → 3.25% → 3.00% → 2.75%
State Bank of Medora State Bank Of Medora Branch	2.63%	$500	-	Learn More Add Review
Rate History: 2.02% → 3.56% → 2.63%
First Robinson Savings Bank, National Association Vincennes Branch	2.27%	$0	-	Learn More Add Review
Rate History: 3.03% → 2.78% → 2.27%
Centier Bank Crown Point Downtown Branch	2.00%	$1,000	-	Learn More Add Review
JPMorgan Chase Bank, National Association Bloomington In Main 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)
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	1.40%	$100,000	-	Learn More Add Review
Community First Bank of Indiana Community First Bank Of Indiana Branch	1.30%	$1,000	-	Learn More Add Review
Woodforest National Bank Aurora Wal-Mart Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	1.25%	$10,000	-	Learn More Add Review
Kentland Bank Kentland Bank Branch	1.15%	$100,000	-	Learn More Add Review
The Napoleon State Bank The Napoleon State Bank Branch	1.11%	$100,000	-	Learn More Add Review
The Napoleon State Bank The Napoleon State Bank Branch	1.06%	$10,000	-	Learn More Add Review
The Friendship State Bank The Friendship State Bank Branch	1.06%	$10,000	-	Learn More Add Review
Grant County State Bank Sweetser Branch	1.06%	$10,000	-	Learn More Add Review
Kentland Bank Kentland Bank Branch	1.05%	$10,000	-	Learn More Add Review
DeMotte State Bank Morocco Branch	1.05%	$10,000	-	Learn More Add Review
Community State Bank Community State Bank Branch	1.01%	$10,000	-	Learn More Add Review
First Bank Richmond First Bank Richmond Branch	1.01%	$10,000	-	Learn More Add Review
Peoples Community Bank SB of Monticello, Indiana Peoples Savings And Loan Association Branch	1.00%	$2,500	-	Learn More Add Review
BMO Bank National Association East Jefferson Street Branch	1.00%	$1,000	-	Learn More
Rate History: 0.15% → 1.35% → 4.00% → 1.35% → 1.00%
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 Reviews (9)
First Federal Savings Bank First Federal Savings Bank Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank of Porter First State Bank Of Porter Branch	1.00%	$100,000	-	Learn More Add Review
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	0.98%	$100,000	-	Learn More Add Review
Tri-County Bank & Trust Company Tri-County Bank & Trust Company Branch	0.95%	$10,000	-	Learn More Add Review
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	0.95%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Butler Branch	0.94%	$100,000	-	Learn More Add Review
Greenfield Banking Company Greenfield Banking Company Branch	0.90%	$1,000	-	Learn More Add Review
Rate History: 0.90% → 0.80% → 0.90% → 0.80% → 0.90%
Union Savings Bank Indianapolis Branch	0.90%	$10,000	-	Learn More
Patty \| Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More Reviews (2)
Alliance Bank Alliance Bank Branch	0.90%	$100,000	-	Learn More Add Review
The North Salem State Bank The North Salem State Bank Branch	0.90%	$10,000	-	Learn More Add Review
The First National Bank of Carmi Mount Vernon Branch	0.90%	$10,000	-	Learn More Add Review
United Fidelity Bank, fsb United Fidelity Bank, Fsb Branch	0.90%	$10,000	-	Learn More Add Review
First State Bank of Porter First State Bank Of Porter Branch	0.90%	$10,000	-	Learn More Add Review
The Campbell & Fetter Bank Albion Main Branch	0.89%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Butler Branch	0.86%	$10,000	-	Learn More Add Review
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	0.85%	$100,000	-	Learn More Add Review
Hoosier Heartland State Bank Farmers State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Crossroads Bank Crossroads Bank Branch	0.85%	$10,000	-	Learn More Add Review
The New Washington State Bank The New Washington State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Field & Main Bank Burkhardt Branch	0.85%	$10,000	-	Learn More Add Review
Bath State Bank The Bath State Bank Branch	0.81%	$100,000	-	Learn More Add Review
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	0.80%	$1,000	-	Learn More Add Review
Bank of Wolcott Bank Of Wolcott Branch	0.80%	$10,000	-	Learn More
JohnFerrell \| Jan 18, 2024 Very rude!!!’ The only time they care about anyone is if you are a business they don’t care about the little guy!!! Read More Reviews (3)
First Federal Savings Bank First Federal Savings Bank Branch	0.80%	$100,000	-	Learn More Add Review
Horizon Bank Horizon Bank Branch	0.75%	$10,000	-	Learn More Add Review
Alliance Bank Alliance Bank Branch	0.75%	$10,000	-	Learn More Add Review
Union Savings and Loan Association Union Savings And Loan Association Branch	0.75%	$10,000	-	Learn More Add Review
First Savings Bank of Hegewisch 7048 Kennedy Ave Br Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Trust and Savings Bank Peoples Trust And Savings Bank Branch	0.75%	$10,000	-	Learn More Add Review
Bath State Bank The Bath State Bank Branch	0.72%	$10,000	-	Learn More Add Review
First Federal Savings Bank of Angola First Federal Savings Bank Of Angola Branch	0.71%	$10,000	-	Learn More Add Review
Fowler State Bank Fowler State Bank Branch	0.70%	$500	-	Learn More Add Review
The Farmers State Bank Winchester Brance Branch	0.70%	$1,000	-	Learn More Add Review
The Fountain Trust Company The Fountain Trust Company Branch	0.70%	$1,000	-	Learn More Add Review
The Riddell National Bank The Riddell National Bank Branch	0.70%	$500	-	Learn More Add Review
The Hicksville Bank Auburn Banking Ctr Branch Of The Hic	0.70%	$500	-	Learn More Add Review
Farmers and Merchants Bank Farmers And Merchants Bank Branch	0.70%	$10,000	-	Learn More Add Review
The Bippus State Bank The Bippus State Bank Branch	0.70%	$10,000	-	Learn More Add Review
CentreBank Centrebank Branch	0.70%	$10,000	-	Learn More Add Review
Greenville National Bank Losantville Branch	0.70%	$10,000	-	Learn More Add Review
The Peoples State Bank The Peoples State Bank Branch	0.70%	$10,000	-	Learn More
CatLT \| Mar 25, 2021 Stay away from this bank. I have never dealt with a bank that was so hard to deal with. It’s like pulling teeth to withdraw your own money. Read More Reviews (1)
Wayne Bank and Trust Co. Wayne Bank And Trust Co. Branch	0.70%	$10,000	-	Learn More Add Review
First Federal Savings Bank First Federal Savings Bank Branch	0.70%	$10,000	-	Learn More Add Review
The Farmers Bank of Milton Madison In Branch	0.70%	$100,000	-	Learn More Add Review
Boonville Federal Savings Bank Boonville Federal Savings Bank Branch	0.70%	$10,000	-	Learn More Add Review
First Harrison Bank Palmyra Branch	0.65%	$2,500	-	Learn More
vernon Wayne Coats \| Sep 26, 2015 Very Polite and Helpful tellers and Managers. Excellent to deal with. Read More Reviews (1)
Owen County State Bank Owen County State Bank Branch	0.65%	$100,000	-	Learn More Add Review
WesBanco Bank, Inc. Scott County State Bank Branch	0.65%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company Austin Branch	0.65%	$500	-	Learn More Add Review
Spencer County Bank Spencer County Bank Branch	0.65%	$2,500	-	Learn More Add Review
The Farmers Bank of Milton Madison In Branch	0.65%	$500	-	Learn More Add Review
The Garrett State Bank The Garrett State Bank Branch	0.60%	$10,000	-	Learn More Add Review
The Farmers Bank, Frankfort, Indiana The Farmers Bank, Frankfort, Indiana Branch	0.60%	$10,000	-	Learn More Add Review
The Fairmount State Bank The Fairmount State Bank Branch	0.60%	$10,000	-	Learn More Add Review
Old Plank Trail Community Bank, National Association First National Bank Of Illinois Bran Branch	0.60%	$10,000	-	Learn More Add Review
1st Source Bank Mishawaka Main Office Branch	0.55%	$500	-	Learn More Add Review
Jackson County Bank Jackson County Bank Branch	0.55%	$100,000	-	Learn More Add Review
Owen County State Bank Owen County State Bank Branch	0.55%	$10,000	-	Learn More Add Review
Springs Valley Bank & Trust Company Springs Valley Bank & Trust Company Branch	0.55%	$10,000	-	Learn More Add Review
FCN Bank, National Association Fcn Bank, National Association Branch	0.55%	$1,000	-	Learn More Add Review
Security Federal Savings Bank Security Federal Savings Bank Branch	0.53%	$10,000	-	Learn More Add Review
First State Bank of Middlebury First State Bank Of Middlebury Branch	0.52%	$100,000	-	Learn More Add Review
Providence Bank & Trust Dyer Office Branch	0.51%	$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
Citizens Bank Citizens Bank Branch	0.50%	$500	-	Learn More Add Review
The State Bank and Trust Company Fort Wayne Branch	0.50%	$10,000	-	Learn More Add Review
Jackson County Bank Jackson County Bank Branch	0.50%	$10,000	-	Learn More Add Review
First Savings Bank Odon Branch	0.50%	$10,000	-	Learn More
William Read \| Apr 1, 2020 We had a terrible experience with Extreme Loan we were refinancing our home on home on March 6, 2020. We were told that we would be locked in at 3% with no closing costs or points. My mortgage representati... Read More Reviews (1)
Terre Haute Savings Bank Terre Haute Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Scottsburg Building and Loan Association Scottsburg Building And Loan Associa Branch	0.50%	$10,000	-	Learn More Add Review
Home Bank SB Home Bank Sb Branch	0.50%	$10,000	-	Learn More Add Review
LNB Community Bank Lnb Community Bank Branch	0.50%	$10,000	-	Learn More Add Review
The Huntington National Bank Danville Branch	0.50%	$1,000	-	Learn More
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 Reviews (1)
Lake City Bank Ligonier Downtown Branch	0.45%	$100,000	-	Learn More Add Review
First State Bank of Middlebury First State Bank Of Middlebury Branch	0.42%	$10,000	-	Learn More Add Review
Legence Bank Virginia Street Branch	0.40%	$500	-	Learn More Add Review
STAR Financial Bank Elwood/Star Branch	0.40%	$10,000	-	Learn More Add Review
First Financial Bank, National Association First Financial Bank, National Association Branch	0.40%	$10,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.40%	$10,000	-	Learn More Add Review
Freedom Bank Freedom Bank Branch	0.40%	$10,000	-	Learn More Add Review
First Bank of Berne First Bank Of Berne Branch	0.35%	$1,000	-	Learn More Add Review
First Merchants Bank Middletown Branch	0.35%	$100,000	-	Learn More
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 Reviews (4)
Old National Bank Old National Bank Branch	0.35%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
Citizens State Bank of New Castle, Indiana Citizens State Bank Of New Castle, Indiana Branch	0.35%	$10,000	-	Learn More Add Review
First Merchants Bank Middletown Branch	0.30%	$10,000	-	Learn More
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 Reviews (4)
First Financial Bank Hartford City Branch	0.30%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	0.30%	$100,000	-	Learn More Add Review
Mutual Savings Bank Mutual Savings Bank Branch	0.30%	$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
Lake City Bank Ligonier Downtown Branch	0.25%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Greensburg First Federal Savings And Loan Assoc Branch	0.25%	$10,000	-	Learn More Add Review
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	0.25%	$10,000	-	Learn More Add Review
First Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	0.25%	$100,000	-	Learn More Add Review
State Bank of Lizton State Bank Of Lizton Branch	0.21%	$1,000	-	Learn More Add Review
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
Farmers State Bank Farmers State Bank Branch	0.20%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	0.20%	$10,000	-	Learn More Add Review
Banterra Bank Newburgh - 4100 Branch	0.20%	$10,000	-	Learn More Add Review
U.S. Bank National Association Midtown 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 Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	0.10%	$10,000	-	Learn More Add Review
Regions Bank Marion Main Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association Martinsville 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)
PNC Bank, National Association Auburn Branch	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)
Fifth Third Bank, National Association Batesville Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

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 10007

Branch	Street	City	State
First Internet Bank of Indiana First Internet Bank Of Indiana Branch	11201 Usa Parkway	Fishers	IN
First Federal Savings Bank First Federal Savings Bank Branch	301 East 9th Street	Rochester	IN
Logansport Savings Bank Logansport Savings Bank Branch	723 East Broadway	Logansport	IN
State Bank of Medora State Bank Of Medora Branch	24 E Main St	Medora	IN
First Robinson Savings Bank, National Association Vincennes Branch	615 Kimmel Road	Vincennes	IN
Centier Bank Crown Point Downtown Branch	117 East Joliet Street	Crown Point	IN
JPMorgan Chase Bank, National Association Bloomington In Main Branch	100 South College Avenue	Bloomington	IN
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	1030 15th Street	Bedford	IN
Community First Bank of Indiana Community First Bank Of Indiana Branch	201 West Sycamore Street	Kokomo	IN
Woodforest National Bank Aurora Wal-Mart Branch	100 Sycamore Estates Drive	Aurora	IN
Bedford Federal Savings Bank Bedford Federal Savings Bank Branch	1030 15th Street	Bedford	IN
Kentland Bank Kentland Bank Branch	111 North Fourth Street	Kentland	IN
The Napoleon State Bank The Napoleon State Bank Branch	8912 N Ushwy 421	Napoleon	IN
The Napoleon State Bank The Napoleon State Bank Branch	8912 N Ushwy 421	Napoleon	IN
The Friendship State Bank The Friendship State Bank Branch	5908 E Main Street	Friendship	IN
Grant County State Bank Sweetser Branch	3988 West Delphi Road	Sweetser	IN
Kentland Bank Kentland Bank Branch	111 North Fourth Street	Kentland	IN
DeMotte State Bank Morocco Branch	Main And State Streets	Morocco	IN
Community State Bank Community State Bank Branch	101 N Chicago St	Royal Center	IN
First Bank Richmond First Bank Richmond Branch	20 North 9th Street	Richmond	IN
Peoples Community Bank SB of Monticello, Indiana Peoples Savings And Loan Association Branch	126 Constitution Plz	Monticello	IN
BMO Bank National Association East Jefferson Street Branch	110 East Jefferson Street	Tipton	IN
First Federal Savings Bank First Federal Savings Bank Branch	5001 Davis Lant Drive	Evansville	IN
First State Bank of Porter First State Bank Of Porter Branch	230 Lincoln Street	Porter	IN
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	1 East Main Street	Brownsburg	IN
Tri-County Bank & Trust Company Tri-County Bank & Trust Company Branch	18 East Washington Street	Roachdale	IN
Hendricks County Bank and Trust Company Hendricks County Bank And Trust Comp Branch	1 East Main Street	Brownsburg	IN
The Farmers & Merchants State Bank Butler Branch	200 South Broadway	Butler	IN
Greenfield Banking Company Greenfield Banking Company Branch	1920 North State Street	Greenfield	IN
Union Savings Bank Indianapolis Branch	5881 E. 82nd St	Indianapolis	IN
Alliance Bank Alliance Bank Branch	101 West Montgomery Street	Francesville	IN
The North Salem State Bank The North Salem State Bank Branch	7 North Broadway Street	North Salem	IN
The First National Bank of Carmi Mount Vernon Branch	450 Southwind Plaza	Mount Vernon	IN
United Fidelity Bank, fsb United Fidelity Bank, Fsb Branch	18 Nw Fourth Street	Evansville	IN
First State Bank of Porter First State Bank Of Porter Branch	230 Lincoln Street	Porter	IN
The Campbell & Fetter Bank Albion Main Branch	304 South Orange Street	Albion	IN
The Farmers & Merchants State Bank Butler Branch	200 South Broadway	Butler	IN
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	117 East Main Street	Thorntown	IN
Hoosier Heartland State Bank Farmers State Bank Branch	100 N. Main Street	New Ross	IN
Crossroads Bank Crossroads Bank Branch	1205 N Cass Street	Wabash	IN
The New Washington State Bank The New Washington State Bank Branch	402 E Main Street	New Washington	IN
Field & Main Bank Burkhardt Branch	1020 North Burkhardt Road	Evansville	IN
Bath State Bank The Bath State Bank Branch	3095 Bath Road	Bath	IN
The Home National Bank of Thorntown The Home National Bank Of Thorntown Branch	117 East Main Street	Thorntown	IN
Bank of Wolcott Bank Of Wolcott Branch	105 North Range Street	Wolcott	IN
First Federal Savings Bank First Federal Savings Bank Branch	648 N Jefferson St	Huntington	IN
Horizon Bank Horizon Bank Branch	515 Franklin Street	Michigan City	IN
Alliance Bank Alliance Bank Branch	101 West Montgomery Street	Francesville	IN
Union Savings and Loan Association Union Savings And Loan Association Branch	730 Central Avenue	Connersville	IN
First Savings Bank of Hegewisch 7048 Kennedy Ave Br Branch	7048 Kennedy Avenue	Hammond	IN
Peoples Trust and Savings Bank Peoples Trust And Savings Bank Branch	132 South Third Street	Boonville	IN
Bath State Bank The Bath State Bank Branch	3095 Bath Road	Bath	IN
First Federal Savings Bank of Angola First Federal Savings Bank Of Angola Branch	212 E Maumee	Angola	IN
Fowler State Bank Fowler State Bank Branch	300 East 5th Street	Fowler	IN
The Farmers State Bank Winchester Brance Branch	930 E Washington St	Winchester	IN
The Fountain Trust Company The Fountain Trust Company Branch	615 3rd St	Covington	IN
The Riddell National Bank The Riddell National Bank Branch	1 East National Avenue	Brazil	IN
The Hicksville Bank Auburn Banking Ctr Branch Of The Hic	1130 W 15th St	Auburn	IN
Farmers and Merchants Bank Farmers And Merchants Bank Branch	6464 Merchants Drive	Laotto	IN
The Bippus State Bank The Bippus State Bank Branch	150 Hauenstein Road	Huntington	IN
CentreBank Centrebank Branch	126-128 North Main Street	Veedersburg	IN
Greenville National Bank Losantville Branch	9700 South Us 35	Losantville	IN
The Peoples State Bank The Peoples State Bank Branch	601 East Temperance Street	Ellettsville	IN
Wayne Bank and Trust Co. Wayne Bank And Trust Co. Branch	145 West Main Street	Cambridge City	IN
First Federal Savings Bank First Federal Savings Bank Branch	648 N Jefferson St	Huntington	IN
The Farmers Bank of Milton Madison In Branch	133 Cliffty Drive	Madison	IN
Boonville Federal Savings Bank Boonville Federal Savings Bank Branch	123 N Third Street	Boonville	IN
First Harrison Bank Palmyra Branch	710 Main Street	Palmyra	IN
Owen County State Bank Owen County State Bank Branch	201 West Morgan Street	Spencer	IN
WesBanco Bank, Inc. Scott County State Bank Branch	125 West Mcclain Avenue	Scottsburg	IN
Stock Yards Bank & Trust Company Austin Branch	275 Highway 31 North	Austin	IN
Spencer County Bank Spencer County Bank Branch	55 North L J Koch Blvd.	Santa Claus	IN
The Farmers Bank of Milton Madison In Branch	133 Cliffty Drive	Madison	IN
The Garrett State Bank The Garrett State Bank Branch	120 West King Street	Garrett	IN
The Farmers Bank, Frankfort, Indiana The Farmers Bank, Frankfort, Indiana Branch	9 East Clinton Street	Frankfort	IN
The Fairmount State Bank The Fairmount State Bank Branch	101 North Main Street	Fairmount	IN
Old Plank Trail Community Bank, National Association First National Bank Of Illinois Bran Branch	1101 Joliet Street	Dyer	IN
1st Source Bank Mishawaka Main Office Branch	101 Lincolnway East	Mishawaka	IN
Jackson County Bank Jackson County Bank Branch	125 South Chestnut Street	Seymour	IN
Owen County State Bank Owen County State Bank Branch	201 West Morgan Street	Spencer	IN
Springs Valley Bank & Trust Company Springs Valley Bank & Trust Company Branch	8482 West State Road 56	French Lick	IN
FCN Bank, National Association Fcn Bank, National Association Branch	501 Main Street	Brookville	IN
Security Federal Savings Bank Security Federal Savings Bank Branch	314 Fourth St	Logansport	IN
First State Bank of Middlebury First State Bank Of Middlebury Branch	111 South Main Street	Middlebury	IN
Providence Bank & Trust Dyer Office Branch	14785 West 101st Avenue	Dyer	IN
Citizens Bank Citizens Bank Branch	33 North Indiana Street	Mooresville	IN
The State Bank and Trust Company Fort Wayne Branch	12832 Coldwater Road	Fort Wayne	IN
Jackson County Bank Jackson County Bank Branch	125 South Chestnut Street	Seymour	IN
First Savings Bank Odon Branch	501 West Main Street	Odon	IN
The Hometown Savings Bank Terre Haute Savings Bank Branch	533 Ohio Street	Terre Haute	IN
Scottsburg Building and Loan Association Scottsburg Building And Loan Associa Branch	306 West Mcclain Street	Scottsburg	IN
Home Bank SB Home Bank Sb Branch	59 West Washington Street	Martinsville	IN
LNB Community Bank Lnb Community Bank Branch	215 North Main Street	Lynnville	IN
The Huntington National Bank Danville Branch	108 East Main Street	Danville	IN
Lake City Bank Ligonier Downtown Branch	222 South Cavin Street	Ligonier	IN
First State Bank of Middlebury First State Bank Of Middlebury Branch	111 South Main Street	Middlebury	IN
Legence Bank Virginia Street Branch	7325 East Virginia Street	Evansville	IN
STAR Financial Bank Elwood/Star Branch	125 South Anderson Street	Elwood	IN
First Financial Bank, National Association First Financial Bank, National Association Branch	One First Financial Plz	Terre Haute	IN
First National Bank First National Bank Branch	302 South Main Street	Cloverdale	IN
Freedom Bank Freedom Bank Branch	1405 North Main Street	Huntingburg	IN
First Bank of Berne First Bank Of Berne Branch	102 West Main Street	Berne	IN
First Merchants Bank Middletown Branch	790 W Mill Street	Middletown	IN
Old National Bank Old National Bank Branch	1 Main Street	Evansville	IN
Citizens State Bank of New Castle, Indiana Citizens State Bank Of New Castle, Indiana Branch	1238 Broad Street	New Castle	IN
First Merchants Bank Middletown Branch	790 W Mill Street	Middletown	IN
First Financial Bank Hartford City Branch	101 West Washington Street	Hartford City	IN
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	107 North Pennsylvania Street	Indianapolis	IN
Mutual Savings Bank Mutual Savings Bank Branch	80 East Jefferson Street	Franklin	IN
Lake City Bank Ligonier Downtown Branch	222 South Cavin Street	Ligonier	IN
First Federal Savings and Loan Association of Greensburg First Federal Savings And Loan Assoc Branch	212 N Franklin St	Greensburg	IN
The Farmers and Merchants Bank The Farmers And Merchants Bank Branch	302 South Old Us Highway 41	Boswell	IN
First Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	102 South Main Street	Fairmount	IN
State Bank State Bank Of Lizton Branch	206 North State Street	Lizton	IN
Farmers State Bank Farmers State Bank Branch	220 South Detroit Street	Lagrange	IN
The National Bank of Indianapolis The National Bank Of Indianapolis Branch	107 North Pennsylvania Street	Indianapolis	IN
Banterra Bank Newburgh - 4100 Branch	3811 Haley Drive	Newburgh	IN
U.S. Bank National Association Midtown Branch	536 Central Avenue	Connersville	IN
First Farmers Bank & Trust Co. The Citizens Exchange Bank Branch	102 South Main Street	Fairmount	IN
Regions Bank Marion Main Branch	402 South Washington Street	Marion	IN
KeyBank National Association Martinsville Branch	76 South Main Street	Martinsville	IN
PNC Bank, National Association Auburn Branch	101 North Main Street	Auburn	IN
Regions Bank Marion Main Branch	402 South Washington Street	Marion	IN
Fifth Third Bank, National Association Batesville Branch	1 Batesville Shopping Village	Batesville	IN

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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

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