Best 4-Year CD Rates in Indiana, IN

You are viewing rates from banks across Indiana

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.

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)
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 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)
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
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)
First Federal Savings Bank Mishawaka Branch	3.29%	$500	-	Learn More Add Review
Rate History: 2.52% → 3.03% → 3.29%
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
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%
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)
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%
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)
Centier Bank Fort Wayne Branch	2.00%	$1,000	-	Learn More Add Review
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 Washington-Mitthoefer Rd. 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)
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%
Bedford Federal Savings Bank John Williams Boulevard Branch	1.40%	$100,000	-	Learn More Add Review
Community First Bank of Indiana Dixon Road Branch	1.30%	$1,000	-	Learn More Add Review
Woodforest National Bank 0544 Avon Indiana Walmart 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)
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
Bedford Federal Savings Bank John Williams Boulevard Branch	1.25%	$10,000	-	Learn More Add Review
Kentland Bank Lake Village Branch	1.15%	$100,000	-	Learn More Add Review
The Napoleon State Bank Osgood Branch	1.11%	$100,000	-	Learn More Add Review
The Napoleon State Bank Osgood 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 Lake Village 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 Twelve Mile Branch	1.01%	$10,000	-	Learn More Add Review
First Bank Richmond South A Street Motor 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 Geist 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 Bell Oaks Drive Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank of Porter Chesterton Branch	1.00%	$100,000	-	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
Hendricks County Bank and Trust Company Avon Office Branch	0.98%	$100,000	-	Learn More Add Review
Tri-County Bank & Trust Company Main Street Crawfordsville Branch	0.95%	$10,000	-	Learn More Add Review
Hendricks County Bank and Trust Company Avon Office Branch	0.95%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Auburn Branch	0.94%	$100,000	-	Learn More Add Review
Greenfield Banking Company New Palestine 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 Winamac Branch	0.90%	$100,000	-	Learn More Add Review
The North Salem State Bank Danville Branch	0.90%	$10,000	-	Learn More Add Review
The First National Bank of Carmi Poseyville Branch	0.90%	$10,000	-	Learn More Add Review
United Fidelity Bank, fsb Newburgh Branch	0.90%	$10,000	-	Learn More Add Review
First State Bank of Porter Chesterton Branch	0.90%	$10,000	-	Learn More Add Review
The Campbell & Fetter Bank Warsaw Branch	0.89%	$10,000	-	Learn More Add Review
The Farmers & Merchants State Bank Auburn Branch	0.86%	$10,000	-	Learn More Add Review
The Home National Bank of Thorntown Lebanon Branch	0.85%	$100,000	-	Learn More Add Review
Hoosier Heartland State Bank Ladoga Branch	0.85%	$10,000	-	Learn More Add Review
Crossroads Bank W Connexion Way Branch	0.85%	$10,000	-	Learn More Add Review
The New Washington State Bank Sellersburg 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 West College Corner Branch	0.81%	$100,000	-	Learn More Add Review
The Home National Bank of Thorntown Lebanon Branch	0.80%	$1,000	-	Learn More Add Review
Bank of Wolcott Remington 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 350 South Branch	0.75%	$10,000	-	Learn More Add Review
Alliance Bank Winamac Branch	0.75%	$10,000	-	Learn More Add Review
Civista Bank	0.75%	$10,000	-	Learn More
Disappointed \| Feb 5, 2020 We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More Reviews (2)
Union Savings and Loan Association Union Savings And Loan Association Branch	0.75%	$10,000	-	Learn More Add Review
First Savings Bank of Hegewisch Saint John Branch	0.75%	$10,000	-	Learn More Add Review
Peoples Trust and Savings Bank Paradise Branch	0.75%	$10,000	-	Learn More Add Review
Bath State Bank West College Corner 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 Kentland 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 Brookston Branch	0.70%	$1,000	-	Learn More Add Review
The Riddell National Bank Center Point 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 Roanoke Branch	0.70%	$10,000	-	Learn More Add Review
CentreBank Covington 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 Paragon 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. Waytru Plaza 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 Greenville 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 Gosport Branch	0.65%	$100,000	-	Learn More Add Review
WesBanco Bank, Inc. Floyds Knobs Branch	0.65%	$10,000	-	Learn More Add Review
Stock Yards Bank & Trust Company Lake Plaza Drive 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 Pine Valley Branch	0.60%	$10,000	-	Learn More Add Review
The Farmers Bank, Frankfort, Indiana Sheridan 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 St. Mary's College Branch	0.55%	$500	-	Learn More Add Review
Jackson County Bank North Vernon Branch	0.55%	$100,000	-	Learn More Add Review
Owen County State Bank Gosport Branch	0.55%	$10,000	-	Learn More Add Review
Springs Valley Bank & Trust Company 3rd Avenue Branch	0.55%	$10,000	-	Learn More Add Review
FCN Bank, National Association Everton Branch	0.55%	$1,000	-	Learn More Add Review
Security Federal Savings Bank Markland Avenue Branch	0.53%	$10,000	-	Learn More Add Review
First State Bank of Middlebury Mishawaka Branch	0.52%	$100,000	-	Learn More Add Review
Providence Bank & Trust Schererville 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 Eminence 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 North Vernon Branch	0.50%	$10,000	-	Learn More Add Review
First Savings Bank Corydon 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 Riley 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 Birk Road Branch	0.50%	$10,000	-	Learn More Add Review
LNB Community Bank Boonville In Branch	0.50%	$10,000	-	Learn More Add Review
The Huntington National Bank Rangeline Road 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 Direct Banking Center- Www.Lakecityb Branch	0.45%	$100,000	-	Learn More Add Review
First State Bank of Middlebury Mishawaka Branch	0.42%	$10,000	-	Learn More Add Review
Legence Bank Virginia Street Branch	0.40%	$500	-	Learn More Add Review
STAR Financial Bank Gas City 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 Cloverdale I70 Branch	0.40%	$10,000	-	Learn More Add Review
Freedom Bank Jasper Branch	0.40%	$10,000	-	Learn More Add Review
First Bank of Berne Peru Branch	0.35%	$1,000	-	Learn More Add Review
First Merchants Bank Valparaiso 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 Southwest 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 Dunkrik Branch	0.35%	$10,000	-	Learn More Add Review
First Merchants Bank Valparaiso 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 Rossville Branch	0.30%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis Aul Branch	0.30%	$100,000	-	Learn More Add Review
Mutual Savings Bank Mutual Savings Bank Branch	0.30%	$10,000	-	Learn More Add Review
Northwest Bank	0.28%	$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 Direct Banking Center- Www.Lakecityb Branch	0.25%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association of Greensburg Greensburg 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. Clay City Branch	0.25%	$100,000	-	Learn More Add Review
State Bank of Lizton 56th Street 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 Ashley-Hudson Branch	0.20%	$10,000	-	Learn More Add Review
The National Bank of Indianapolis Aul Branch	0.20%	$10,000	-	Learn More Add Review
Banterra Bank Evansville West - 4200 Branch	0.20%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association Richmond Main 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. Clay City Branch	0.10%	$10,000	-	Learn More Add Review
Regions Bank Tower Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association Greenwood 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 Pnc Bank, National Association 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)
Bank of America, National Association	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)
Fifth Third Bank, National Association Clinton 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 Mishawaka Branch	906 W Edison Road	Mishawaka	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 Fort Wayne Branch	10315 Dupont Circle Drive West	Fort Wayne	IN
JPMorgan Chase Bank, National Association Washington-Mitthoefer Rd. Branch	9991 East Washington Street	Indianapolis	IN
Bedford Federal Savings Bank John Williams Boulevard Branch	2955 John Williams Blvd	Bedford	IN
Community First Bank of Indiana Dixon Road Branch	2101 South Dixon Road	Kokomo	IN
Woodforest National Bank 0544 Avon Indiana Walmart Branch	9500 East Us Highway 36	Avon	IN
Bedford Federal Savings Bank John Williams Boulevard Branch	2955 John Williams Blvd	Bedford	IN
Kentland Bank Lake Village Branch	Village Square Shopping Center	Lake Village	IN
The Napoleon State Bank Osgood Branch	910 South Buckeye	Osgood	IN
The Napoleon State Bank Osgood Branch	910 South Buckeye	Osgood	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 Lake Village Branch	Village Square Shopping Center	Lake Village	IN
DeMotte State Bank Morocco Branch	Main And State Streets	Morocco	IN
Community State Bank Twelve Mile Branch	8070 State Road 16	Twelve Mile	IN
First Bank Richmond South A Street Motor Branch	601 South A 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 Geist Branch	9775 Fall Creek Road	Indianapolis	IN
First Federal Savings Bank Bell Oaks Drive Branch	8388 Bell Oaks Drive	Newburgh	IN
First State Bank of Porter Chesterton Branch	429 North Calumet Road	Chesterton	IN
Hendricks County Bank and Trust Company Avon Office Branch	963 N State Road 267	Avon	IN
Tri-County Bank & Trust Company Main Street Crawfordsville Branch	224 East Main Street	Crawfordsville	IN
Hendricks County Bank and Trust Company Avon Office Branch	963 N State Road 267	Avon	IN
The Farmers & Merchants State Bank Auburn Branch	403 Erie Pass	Auburn	IN
Greenfield Banking Company New Palestine Branch	5783 W Us 52	New Palestine	IN
Union Savings Bank Indianapolis Branch	5881 E. 82nd St	Indianapolis	IN
Alliance Bank Winamac Branch	510 North Us Highway 35	Winamac	IN
The North Salem State Bank Danville Branch	704 W Main St	Danville	IN
The First National Bank of Carmi Poseyville Branch	State Route 165 And Frontage Road	Poseyville	IN
United Fidelity Bank, fsb Newburgh Branch	8533 Bell Oaks Drive	Newburgh	IN
First State Bank of Porter Chesterton Branch	429 North Calumet Road	Chesterton	IN
The Campbell & Fetter Bank Warsaw Branch	U.S. Highway 30 And Center Street	Warsaw	IN
The Farmers & Merchants State Bank Auburn Branch	403 Erie Pass	Auburn	IN
The Home National Bank of Thorntown Lebanon Branch	2510 N Lebanon St	Lebanon	IN
Hoosier Heartland State Bank Ladoga Branch	Main And Franklin Streets	Ladoga	IN
Crossroads Bank W Connexion Way Branch	526 W. Connexion Way	Columbia City	IN
The New Washington State Bank Sellersburg Branch	8509 Old State Road 60	Sellersburg	IN
Field & Main Bank Burkhardt Branch	1020 North Burkhardt Road	Evansville	IN
Bath State Bank West College Corner Branch	3828 South Highway 27	West College Corner	IN
The Home National Bank of Thorntown Lebanon Branch	2510 N Lebanon St	Lebanon	IN
Bank of Wolcott Remington Branch	506 N Maine St	Remington	IN
First Federal Savings Bank First Federal Savings Bank Branch	648 N Jefferson St	Huntington	IN
Horizon Bank 350 South Branch	3602 Cougill Lane	Lafayette	IN
Alliance Bank Winamac Branch	510 North Us Highway 35	Winamac	IN
Union Savings and Loan Association Union Savings And Loan Association Branch	730 Central Avenue	Connersville	IN
First Savings Bank of Hegewisch Saint John Branch	10865 Parrish Avenue	Saint John	IN
Peoples Trust and Savings Bank Paradise Branch	7199 Parker Drive	Newburgh	IN
Bath State Bank West College Corner Branch	3828 South Highway 27	West College Corner	IN
First Federal Savings Bank of Angola First Federal Savings Bank Of Angola Branch	212 E Maumee	Angola	IN
Fowler State Bank Kentland Branch	607 E. Lincoln Street	Kentland	IN
The Farmers State Bank Winchester Brance Branch	930 E Washington St	Winchester	IN
The Fountain Trust Company Brookston Branch	309 South Prairie	Brookston	IN
The Riddell National Bank Center Point Branch	500 East Main Street	Center Point	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 Roanoke Branch	577 Geiger Drive	Roanoke	IN
CentreBank Covington Branch	315 Washington Street	Covington	IN
Greenville National Bank Losantville Branch	9700 South Us 35	Losantville	IN
The Peoples State Bank Paragon Branch	State Road 67, Rr #1	Paragon	IN
Wayne Bank and Trust Co. Waytru Plaza Branch	500 South A Street	Richmond	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 Greenville Branch	9849 Highway 150	Greenville	IN
Owen County State Bank Gosport Branch	West Main Street	Gosport	IN
WesBanco Bank, Inc. Floyds Knobs Branch	701 Highlander Point Drive	Floyds Knobs	IN
Stock Yards Bank & Trust Company Lake Plaza Drive Branch	6840 Lake Plaza Drive	Indianapolis	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 Pine Valley Branch	811 Mill Lake Road	Fort Wayne	IN
The Farmers Bank, Frankfort, Indiana Sheridan Branch	987 S. White Avenue	Sheridan	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 St. Mary's College Branch	5445 State Road 993 North	Notre Dame	IN
Jackson County Bank North Vernon Branch	611 A North State Street	North Vernon	IN
Owen County State Bank Gosport Branch	West Main Street	Gosport	IN
Springs Valley Bank & Trust Company 3rd Avenue Branch	865 3rd Ave	Jasper	IN
FCN Bank, National Association Everton Branch	5444 South State Road 1	Connersville	IN
Security Federal Savings Bank Markland Avenue Branch	519 East Markland Avenue	Kokomo	IN
First State Bank of Middlebury Mishawaka Branch	4101 Edison Lakes Parkway, Suite 140	Mishawaka	IN
Providence Bank & Trust Schererville Office Branch	950 W. Us Hwy 30	Schererville	IN
Citizens Bank Eminence Branch	Highway 42 And Highway 142	Eminence	IN
The State Bank and Trust Company Fort Wayne Branch	12832 Coldwater Road	Fort Wayne	IN
Jackson County Bank North Vernon Branch	611 A North State Street	North Vernon	IN
First Savings Bank Corydon Branch	900 Indiana 62 Nw	Corydon	IN
The Hometown Savings Bank Riley Branch	7345 S. State Road 46	Terre Haute	IN
Scottsburg Building and Loan Association Scottsburg Building And Loan Associa Branch	306 West Mcclain Street	Scottsburg	IN
Home Bank SB Birk Road Branch	670 Birk Road	Martinsville	IN
LNB Community Bank Boonville In Branch	910 West Main Street	Boonville	IN
The Huntington National Bank Rangeline Road Branch	998 South Range Line Road	Carmel	IN
Lake City Bank Direct Banking Center- Www.Lakecityb Branch	Www.Lakecitybank.com	Warsaw	IN
First State Bank of Middlebury Mishawaka Branch	4101 Edison Lakes Parkway, Suite 140	Mishawaka	IN
Legence Bank Virginia Street Branch	7325 East Virginia Street	Evansville	IN
STAR Financial Bank Gas City Branch	931 East Main Street	Gas City	IN
First Financial Bank, National Association First Financial Bank, National Association Branch	One First Financial Plz	Terre Haute	IN
First National Bank Cloverdale I70 Branch	1000 North Main Street	Cloverdale	IN
Freedom Bank Jasper Branch	75 South Us 231	Jasper	IN
First Bank of Berne Peru Branch	915 W Main St	Peru	IN
First Merchants Bank Valparaiso Branch	855 Thornapple Way	Valparaiso	IN
Old National Bank Southwest Branch	9898 Illinois Road	Fort Wayne	IN
Citizens State Bank of New Castle, Indiana Dunkrik Branch	714 North Main Street	Dunkirk	IN
First Merchants Bank Valparaiso Branch	855 Thornapple Way	Valparaiso	IN
First Financial Bank Rossville Branch	358 West Main Street	Rossville	IN
The National Bank of Indianapolis Aul Branch	One American Square Suite 100	Indianapolis	IN
Mutual Savings Bank Mutual Savings Bank Branch	80 East Jefferson Street	Franklin	IN
Lake City Bank Direct Banking Center- Www.Lakecityb Branch	Www.Lakecitybank.com	Warsaw	IN
First Federal Savings and Loan Association of Greensburg Greensburg Branch	460 Greensburg Commons	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. Clay City Branch	801 Main Street	Clay City	IN
State Bank 56th Street Branch	900 East 56th Street	Brownsburg	IN
Farmers State Bank Ashley-Hudson Branch	West State Street And Grand Avenue	Ashley	IN
The National Bank of Indianapolis Aul Branch	One American Square Suite 100	Indianapolis	IN
Banterra Bank Evansville West - 4200 Branch	705 North Saint Joseph Avenue	Evansville	IN
U.S. Bank National Association Richmond Main Branch	800 East Main	Richmond	IN
First Farmers Bank & Trust Co. Clay City Branch	801 Main Street	Clay City	IN
Regions Bank Tower Branch	One Indiana Square	Indianapolis	IN
KeyBank National Association Greenwood Branch	980 East Main Street	Greenwood	IN
PNC Bank, National Association Pnc Bank, National Association Branch	U.S. Highway 24 East	Logansport	IN
Regions Bank Tower Branch	One Indiana Square	Indianapolis	IN
Fifth Third Bank, National Association Clinton Branch	Third & Vine	Clinton	IN

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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

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