Kansas

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Kansas CD Rates – 4-Year

You are viewing rates from banks across Kansas





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

KS - July 30, 2025

4 Year CD National Average : 0.82% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%

| 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

Rate History: 3.95% → 4.25% → 4.30% → 4.15% → 4.10%

| Apr 19, 2023

This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early withdrawal penalty is 365 days interest.
Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%

| 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

Early Withdrawal Penalty is 360 days interest.
Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 3.00% → 4.00%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%

| 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

Warning: Early withdrawal penalty is 2% of principal

| 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

Rate History: 3.00% → 3.60%

| 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

Rate History: 1.26% → 2.02% → 3.55%

| Sep 13, 2021

On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More

Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%

| 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

Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%

| 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

Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%

| 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

Rate History: 4.00% → 3.90% → 3.90% → 3.50%

| 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

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%

| 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

Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%

| 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

Rate History: 4.00% → 3.75% → 3.50%

| 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

Rate History: 3.00% → 3.40%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%

| 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

| Oct 13, 2020

Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More

Rate History: 1.57% → 2.59% → 2.48% → 3.13%

Rate History: 2.02% → 3.50% → 3.10%

Early Withdrawal Penalty is 24 months interest.
Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%

Rate History: 0.20% → 4.40% → 4.05% → 3.00%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| 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

Rate History: 3.50% → 2.75%

| Jun 21, 2022

The new rates have eclipsed shat i currently hold with this bank. Read More

Rate History: 3.00% → 2.75%

| Mar 20, 2016

Good solid bank. Read More

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00%

| 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

Rate History: 2.00% → 3.00% → 2.00%

| Apr 30, 2019

No issues. I feel confident using them. Read More

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.76%

$10,000

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1.70%

$10,000

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| May 29, 2020

Dua Read More

1.51%

$10,000

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1.51%

$10,000

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Rate History: 2.50% → 1.50%

| 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

Rate History: 1.50% → 1.75% → 1.50%

1.41%

$500

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1.41%

$10,000

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1.41%

$10,000

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1.41%

$10,000

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1.36%

$500

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1.36%

$500

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1.35%

$100,000

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1.35%

$10,000

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1.31%

$500

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1.31%

$10,000

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1.31%

$10,000

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1.30%

$10,000

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1.30%

$10,000

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1.30%

$10,000

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1.30%

$10,000

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1.30%

$10,000

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1.27%

$10,000

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| Feb 9, 2019

Can I order new checks online? Read More

1.26%

$10,000

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1.26%

$10,000

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Rate History: 2.50% → 1.25%

| 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

1.25%

$1,000

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1.25%

$10,000

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1.25%

$100,000

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1.25%

$10,000

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1.25%

$10,000

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1.25%

$10,000

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1.25%

$10,000

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| Feb 9, 2019

Can I order new checks online? Read More

1.21%

$10,000

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1.21%

$10,000

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1.20%

$10,000

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1.20%

$10,000

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1.20%

$10,000

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1.20%

$10,000

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1.16%

$100,000

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1.16%

$1,000

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1.16%

$100,000

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1.16%

$1,000

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1.15%

$10,000

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1.15%

$10,000

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1.15%

$10,000

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1.11%

$10,000

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| Mar 24, 2022

I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More

1.10%

$10,000

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1.10%

$10,000

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1.10%

$500

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1.10%

$10,000

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1.06%

$10,000

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1.05%

$10,000

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1.05%

$3,000

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1.01%

$1,000

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1.01%

$100,000

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1.00%

$50

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1.00%

$500

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Rate History: 0.15% → 1.35% → 4.00% → 1.35% → 1.00%

| 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

1.00%

$100,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$100,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$100,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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| Jun 25, 2021

TriCentury is great! They were there for me when my credit was not great, and I haven’t left because of their great customer service. Read More

1.00%

$1,000

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1.00%

$10,000

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1.00%

$1,000

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0.99%

$100,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$100,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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0.95%

$1,000

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0.93%

$5,000

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0.90%

$50,000

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0.90%

$1,000

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0.90%

$10,000

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0.90%

$50,000

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0.90%

$100,000

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0.90%

$100,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$10,000

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0.90%

$100,000

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0.90%

$100,000

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0.89%

$10,000

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0.87%

$10,000

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0.85%

$10,000

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0.85%

$1,000

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0.85%

$10,000

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0.85%

$1,000

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0.85%

$10,000

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0.83%

$10,000

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0.80%

$500

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0.80%

$1,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$10,000

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.80%

$10,000

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0.75%

$10,000

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0.75%

$5,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$1,000

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0.75%

$10,000

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0.75%

$10,000

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| Aug 30, 2017

Excellent bank with a friendly helpful staff Read More

0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.75%

$10,000

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0.74%

$100,000

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0.70%

$500

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0.70%

$10,000

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0.70%

$100,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$1,000

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0.69%

$1

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0.65%

$50,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

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0.60%

$1,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.60%

$500

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0.60%

$250

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.55%

$10,000

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0.53%

$10,000

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| 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

0.50%

$10,000

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0.50%

$10,000

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0.50%

$500

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| Nov 9, 2018

The online banking system for this bank is beyond ridiculous. I have tried on numerous occasions to get help and as soon as I get one issue resolved, sure enough another pops up. From passwords being lock... Read More

0.50%

$1

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0.50%

$10,000

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0.45%

$100,000

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0.45%

$10,000

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0.45%

$500

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0.40%

$500

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0.40%

$10,000

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0.40%

$1,000

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0.40%

$10,000

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| Jun 9, 2019

They don't have this rate anymore. 5 year rate is only 3.11 Read More

0.35%

$500

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0.35%

$50,000

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0.30%

$10,000

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.27%

$50,000

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0.25%

$1,000

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| 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

0.25%

$10,000

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0.25%

$10,000

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| 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

0.17%

$10,000

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| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

| 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

0.12%

$500

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Rate History: 0.03% → 0.05%

| 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

0.05%

$10,000

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| 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

| 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

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 10116


Branch Street City State
First Bank
Chase Branch
509 Main Street Chase KS
KS StateBank
Highway 24 Branch
8803 East Highway 24 Manhattan KS
Security Bank of Kansas City
Martway Street Branch
6040 Martway Mission KS
Emprise Bank
21st & Webb Branch
9485 East 21st Street North Wichita KS
RCB Bank
Drive-In Branch
601 North Summit Street Arkansas City KS
Argentine Federal Savings
Argentine Federal Savings Branch
3004 Strong Ave Kansas City KS
First Federal Bank of Kansas City
8629 Metcalf Branch
8629 Metcalf Overland Park KS
Capitol Federal Savings Bank
Nall Hills Branch
9500 Nall Ave Ste 100 Overland Park KS
Union Bank and Trust Company
Commercial State Bk. Of Bonner Sprin Branch
309 Oak Street Bonner Springs KS
Intrust Bank, National Association
Intrust Bank, National Association Branch
9450 East Harry Wichita KS
The Bendena State Bank
The Bendena State Bank Branch
933 Friendship Road Bendena KS
Bank of Denton
Bank Of Denton Branch
510 Main Street Denton KS
BOKF, National Association
Prairie Village Branch
4140 West 71st Street Prairie Village KS
The State Bank of Bern
The State Bank Of Bern Branch
402 Main St Bern KS
New Century Bank
New Century Bank Branch
1211 28th Street Belleville KS
Farmers and Merchants Bank
Cawker City Branch
719 Wisconsin St Cawker City KS
Swedish-American State Bank
Swedish-American State Bank Branch
324 Liberty Street Courtland KS
The Baldwin State Bank
The Baldwin State Bank Branch
721 High Street Baldwin City KS
ESB Financial
Motor Facility Branch
Eighth And Constitution Emporia KS
Patriots Bank
Westphalia Branch
500 Lincoln Ave Westphalia KS
The Lyon County State Bank
The Lyon County State Bank Branch
902 Merchant Street Emporia KS
The First State Bank of Healy
The First State Bank Of Healy Branch
Jayhawk Plaza On K-4 Healy KS
Union State Bank
Fort Scott Branch
1009 South Clark Street Fort Scott KS
Citizens Bank
Citizens Bank A Branch Of Security B
2205 S. Main St Fort Scott KS
ESB Financial
Motor Facility Branch
Eighth And Constitution Emporia KS
The Stock Exchange Bank, Caldwell, Kansas
Arkansas City Branch
401 N Summit Street Arkansas City KS
Impact Bank
Caldwell Branch
24 North Main Street Caldwell KS
The Security State Bank
The Security State Bank Branch
2022 E. 16th Street Wellington KS
The Farmers State Bank of Bucklin, Kansas
The Farmers State Bank Of Bucklin, Kansas Branch
111 N Main St Bucklin KS
Mid-America Bank
Mid-America Bank Branch
802 Ames Street Baldwin City KS
Home Bank and Trust Company
Clearwater Branch
741 North Fourth Clearwater KS
The Lyndon State Bank
The Lyndon State Bank Branch
817 Topeka Avenue Lyndon KS
Country Club Bank
Shawnee Mission Branch
9400 Mission Road Shawnee Mission KS
The Haviland State Bank
The Haviland State Bank Branch
209 North Main Street Haviland KS
Garden Plain State Bank
Garden Plain Branch
525 N. Main St Garden Plain KS
Great American Bank
Great American Bank Branch
3500 Clinton Parkway Lawrence KS
The First State Bank of Healy
The First State Bank Of Healy Branch
Jayhawk Plaza On K-4 Healy KS
Flint Hills Bank
Bank Of Osage City Branch
913 Market Street Osage City KS
Kaw Valley State Bank
Kaw Valley State Bank Branch
737 Main Street Eudora KS
Marquette Farmers State Bank of Marquette
Marquette Farmers State Bank Of Marq Branch
205 North Washington Marquette KS
First National Bank of Kansas
First National Bank Of Kansas Branch
600 North Fourth Street Burlington KS
Southwest National Bank
Towne West Branch
Taft And Tracy Streets Wichita KS
Country Club Bank
Shawnee Mission Branch
9400 Mission Road Shawnee Mission KS
The Kansas State Bank Overbrook Kansas
The Kansas State Bank Overbrook Kans Branch
400 Maple Street Overbrook KS
Heritage Bank
Heritage Bank Branch
3024 Southwest Wanamaker Road Topeka KS
The Farmers State Bank of Westmoreland
Manhattan Branch
8685 East Highway 24 Manhattan KS
Citizens Federal Savings Bank
Citizens Savings And Loan Association, Fsb Branch
5151 S 4th Street Trafficway Leavenworth KS
Mutual Savings Association
8th & Main Branch
801 Main Eudora KS
Ford County State Bank
Ford County State Bank Branch
322 N Main St Spearville KS
The First National Bank of Spearville
The First National Bank Of Spearvill Branch
401 North Main St Spearville KS
Stryv Bank
Chisholm Trail State Bank Branch
6160 North Broadway Wichita KS
Kaw Valley Bank
29th Street Branch
6831 Southwest 29th Street, Suite 100 Topeka KS
Farmers and Merchants Bank of Mound City, Kansas
Farmers And Merchants Bank Of Mound City, Kansas Branch
103 S. 5th St. Mound City KS
Flint Hills Bank
Bank Of Osage City Branch
913 Market Street Osage City KS
The State Bank of Canton, Canton, Kansas
The State Bank Of Canton, Canton, Kansas Branch
103 South Main Street Canton KS
Legacy Bank
West Central Branch
8725 West Central Wichita KS
The State Exchange Bank
The State Exchange Bank Branch
107 South Commercial Street Mankato KS
Bank 7
Copeland Branch
210 North Santa Fe Street Copeland KS
The Farmers State Bank of Blue Mound
Garnett Branch
517 Oak Street Garnett KS
The Denison State Bank
Meriden Branch
3675 74th Street Meriden KS
The Farmers State Bank
The Farmers State Bank Branch
624 Main Street Dwight KS
Exchange Bank
Exchange Bank Branch
702 North Washington Street Junction City KS
First Commerce Bank
First Commerce Bank Branch
902 Broadway Marysville KS
First FarmBank
Tribune Branch
522 Broadway Avenue Tribune KS
Bank of Greeley
Bank Of Greeley Branch
118 W Brown St Greeley KS
Andover State Bank
Andover State Bank Branch
511 North Andover Road Andover KS
The First National Bank of Spearville
The First National Bank Of Spearvill Branch
401 North Main St Spearville KS
Integrity Bank
The Fowler State Bank Branch
401 Main Street Fowler KS
SJN Bank of Kansas
Greensburg Branch
240 S Main St Greensburg KS
Carson Bank
College Hill Branch-Wichita Branch
4641 E. Douglas Wichita KS
Southwind Bank
Southwind Bank Branch
702 North Second Street Natoma KS
BMO Bank National Association
State Line Branch
8840 State Line Road Leawood KS
Lyons Federal Bank
Wakeeney Br Branch
229 Main Street Wakeeney KS
State Bank of Downs
State Bank Of Downs Branch
900 Morgan Avenue Downs KS
Golden Belt Bank, FSA
Golden Belt Bank, Fsa Branch
901 Washington St Ellis KS
New Century Bank
New Century Bank Branch
1211 28th Street Belleville KS
Community National Bank
Tonganoxie Branch
231 N. Main Street Tonganoxie KS
The Farmers State Bank
The Farmers State Bank Branch
211 St Joseph Street Wathena KS
The Citizens National Bank
The Cnb Clay Center Branch
615 Court Clay Center KS
The Community Bank
The Community Bank Branch
303 S. Kansas Liberal KS
Farmers Bank & Trust
Albert Branch
Second Avenue And Main Street Albert KS
Farmers and Drovers Bank
Alta Vista Branch
619 Main St Alta Vista KS
Kaw Valley Bank
29th Street Branch
6831 Southwest 29th Street, Suite 100 Topeka KS
TriCentury Bank
Spring Hill Branch
708 South Webster Street Spring Hill KS
The Citizens State Bank
Memorial Home Retirement Campus Bran Branch
86 - 22nd Avenue Moundridge KS
Community Bank of Wichita, Inc.
Community Bank - Haysville Branch
371 North Main Haysville KS
The Citizens State Bank
The Citizens State Bank Branch
601 S. Main Street Hugoton KS
Lyons Federal Bank
Wakeeney Br Branch
229 Main Street Wakeeney KS
Farmers National Bank
Agra Branch
Kansas Avenue And Main Street Agra KS
First National Bank and Trust
Solomon Valley Bank Branch
3011 Us 24 Hwy Beloit KS
Elk State Bank
Elk State Bank Branch
328 Washington Street Clyde KS
Peoples Bank and Trust Company
Yoder Branch
9810 South Main Street Yoder KS
The First Security Bank
Carbondale Branch
530 Main Street Carbondale KS
Prescott State Bank
Prescott State Bank Branch
283 East Main St Prescott KS
Community National Bank & Trust
Humboldt Branch
Eighth And Osage Streets Humboldt KS
The First National Bank of Hutchinson
Andale Branch
6206 North 247th Street West Andale KS
The Western State Bank
Leoti Branch
Second And Broadway Leoti KS
Bank of Hays
Jetmore Farmers' State Branch
601 Main St Jetmore KS
Integrity Bank
The Fowler State Bank Branch
401 Main Street Fowler KS
The Citizens State Bank
Marysville Branch
800 Center Marysville KS
First Heritage Bank
Seneca Branch
906 North Street Seneca KS
Johnson State Bank
Ulysses Branch
220 East Oklahoma Ulysses KS
The Community Bank
The Community Bank Branch
303 S. Kansas Liberal KS
Prairie Bank of Kansas
Prairie Bank Of Kansas Branch
200 South Main Street Stafford KS
CoreFirst Bank & Trust
Kansas Avenue Branch
830 South Kansas Avenue Topeka KS
Labette Bank
Lcsb-Cherokee Branch
K-7 And Us-160 Highways Cherokee KS
Vintage Bank Kansas
Benton Branch
234 North Main Benton KS
Alva State Bank & Trust Company
The First State Bank Kiowa Branch
546 Main Street Kiowa KS
The Citizens State Bank
The Citizens State Bank Branch
601 S. Main Street Hugoton KS
The Bank of Tescott
Salina Branch
600 South Santa Fe Salina KS
GNBank, National Association
Arma Kansas Branch
501 East Washington Street Arma KS
American Bank of Baxter Springs
Galena Branch
901 East 7th Street Galena KS
Elk State Bank
Elk State Bank Branch
328 Washington Street Clyde KS
The Citizens State Bank
Marysville Branch
800 Center Marysville KS
Silver Lake Bank
Urish Road Branch
2100 Sw Urish Road Topeka KS
The Bennington State Bank
Minneapolis Branch
320 West Second Minneapolis KS
Citizens State Bank and Trust Co., Ellsworth, Kansas
Hwy Bank Branch
749 E 15th St Ellsworth KS
SOLUTIONS NORTH BANK
Bogue Branch
Main And Hummingbird Streets Bogue KS
United Bank & Trust
Sabetha Branch
935 Main Street Sabetha KS
Union State Bank
Union State Bank Branch
701 5th Street Clay Center KS
The Citizens National Bank
The Cnb Clay Center Branch
615 Court Clay Center KS
FNB Washington
Fnb Washington Branch
101 C Street Washington KS
First Heritage Bank
Seneca Branch
906 North Street Seneca KS
Community Bank
North Topeka Branch
801 Northwest 25th Street Topeka KS
Academy Bank, National Association
Merit Bank Branch
15084 S. Black Bob Road Olathe KS
Alva State Bank & Trust Company
The First State Bank Kiowa Branch
546 Main Street Kiowa KS
The City State Bank
Fort Scott Branch
202 Scott Avenue Fort Scott KS
The Western State Bank
Leoti Branch
Second And Broadway Leoti KS
Conway Bank
Farmers & Merchants Branch
101 S Main Street Argonia KS
The Peoples State Bank
The Peoples State Bank Branch
200 West Main Street Cherryvale KS
Farmers & Merchants Bank of Colby
Dillons Branch
1605 South Range Colby KS
Adams Bank & Trust
Colby Branch
370 North Franklin Avenue Colby KS
The Wilson State Bank
Hoisington Branch
Second And Main Streets Hoisington KS
Bank of the Plains
The Plains State Bank Branch
411 Grand Ave Plains KS
Johnson State Bank
Ulysses Branch
220 East Oklahoma Ulysses KS
Enterprise Bank & Trust
The First National Bank Of Olathe Br Branch
444 East Santa Fe Street Olathe KS
Vintage Bank Kansas
Benton Branch
234 North Main Benton KS
Bank of Commerce
Erie Branch
318 S Main Street Erie KS
The Exchange State Bank of St. Paul, Kansas
The Exchange State Bank Of St. Paul, Kansas Branch
408 5th Street Saint Paul KS
Liberty Bank and Trust Company
1314 North 5th Street Branch
1314 North 5th Street Kansas City KS
Grant County Bank
Grant County Bank Branch
201 South Main Street Ulysses KS
The Riley State Bank of Riley, Kansas
Fmsb-Riley Branch
711 Elm Street Wakefield KS
The Farmers State Bank
Lindsborg Branch
447 Harrison Lindsborg KS
FNB Bank
First National Bank Branch
202 East Eleventh Street Goodland KS
Community National Bank
Tonganoxie Branch
231 N. Main Street Tonganoxie KS
The Farmers State Bank
The Farmers State Bank Branch
412 West Commercial Street Fairview KS
Dream First Bank, National Association
Garden City Branch
908 North Main Garden City KS
Goppert State Service Bank
St. Paul Branch
706 Washington St. Paul KS
Grant County Bank
Grant County Bank Branch
201 South Main Street Ulysses KS
KCB Bank
The Kearny County Bank Branch
221 North Main Street Lakin KS
The Citizens National Bank
The Cnb Clay Center Branch
615 Court Clay Center KS
First Bank Kansas
South 9th Street Branch
2860 South 9th Street Salina KS
NBH Bank
78th And State Avenue Branch
7804 State Avenue Kansas City KS
The Union State Bank of Everest
Www.Mybankusb.com Branch
Sixth & Main Everest KS
Armed Forces Bank, National Association
Armed Forces Bank, National Association Branch
320 Kansas Avenue Fort Leavenworth KS
The Kansas State Bank
Baldwin City Branch
602 Ames Baldwin City KS
Great Southern Bank
Osawatomie Branch
519 South Sixth Street Osawatomie KS
The Tampa State Bank
The Tampa State Bank Branch
326 North Main Street Tampa KS
The City National Bank and Trust Company of Lawton, Oklahoma
Rock Road Branch
3030 N Rock Road Wichita KS
FirstOak Bank
Drive-Thru Branch
1801 West Main Street Independence KS
KCB Bank
The Kearny County Bank Branch
221 North Main Street Lakin KS
Bank of Prairie Village
Bank Of Prairie Village Branch
3515 W. 75th Street Prairie Village KS
Landmark National Bank
La Crosse Branch
808 North Main Street La Crosse KS
Union State Bank
Union State Bank Branch
204 E Hwy 16 Olsburg KS
The First National Bank of Louisburg
Stilwell Branch
7640 W. 199th Stilwell KS
Bank of Labor
Center City Branch
800 State Avenue Kansas City KS
NBKC Bank
Leawood Branch
3510 W 95th Street Leawood KS
The Valley State Bank
Wichita Branch
5310 South Broadway Wichita KS
The First National Bank of Hope
Miltonvale Branch
201 N Starr Avenue Miltonvale KS
Cornerstone Bank
Cornerstone Bank Branch
9120 W. 135th Street Overland Park KS
Citizens Bank of Kansas
Wichita Branch
8718 West 13th Street Wichita KS
Astra Bank
Chapman Branch
1130 North Marshall Avenue Chapman KS
The First National Bank of Hope
Miltonvale Branch
201 N Starr Avenue Miltonvale KS
Fidelity State Bank and Trust Company
Fidelity State Bank And Trust Compan Branch
600 Kansas Avenue Topeka KS
ANB Bank
Lenexa Premier Branch
15301 W 87th Street Parkway Lenexa KS
Outdoor Bank
Leonardville State Bank Branch
2401 North Seth Child Road Manhattan KS
Citizens State Bank and Trust Company
Garden Branch
800 Oregon Street Hiawatha KS
The Farmers State Bank of Oakley, Kansas
The Farmers State Bank Of Oakley, Kansas Branch
100 Center Avenue Oakley KS
The Farmers State Bank of Oakley, Kansas
The Farmers State Bank Of Oakley, Kansas Branch
100 Center Avenue Oakley KS
UMB Bank, National Association
North 8th Street Branch
8300 Parallel Parkway Kansas City KS
Central National Bank
Central National Bank Branch
802 North Washington Street Junction City KS
Equity Bank
Neodesha Branch
801 Main Street Neodesha KS
Commerce Bank
21st & Webb Branch
9620 E 21st St N Wichita KS
The Baxter State Bank
The Baxter State Bank Branch
1401 Military Avenue Baxter Springs KS
Central National Bank
Central National Bank Branch
802 North Washington Street Junction City KS
First-Citizens Bank & Trust Company
Overland Park Branch
7850 College Blvd Overland Park KS
U.S. Bank National Association
87th Street Branch
9900 West 87th Street Overland Park KS
First National Bank of Omaha
Overland Park Branch
9700 Metcalf Overland Park KS
FNB Bank
First National Bank Branch
202 East Eleventh Street Goodland KS
Bank of America, National Association
Metcalf Avenue Branch
9550 Metcalf Avenue Overland Park KS


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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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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