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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Valley Center
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.
Valley Center, KS - July 16, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.10% |
$500 |
14.64 |
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Rate History: 3.95% → 4.25% → 4.30% → 4.15% → 4.10% |
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HonestReview | 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 |
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3.25% |
$1,000 |
18.32 |
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3.25% |
$1,000 |
11.60 |
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Holly cannady | 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 |
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2.75% |
$1,000 |
13.12 |
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Rate History: 3.50% → 2.75% |
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JtAlmond | Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More |
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2.00% |
$500 |
14.56 |
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Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00% |
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1.55% |
$100,000 |
12.28 |
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Aku | May 29, 2020 Dua Read More |
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1.26% |
$10,000 |
23.09 |
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1.25% |
$10,000 |
10.66 |
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1.16% |
$1,000 |
4.07 |
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1.15% |
$10,000 |
12.06 |
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1.05% |
$10,000 |
11.14 |
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1.00% |
$500 |
11.86 |
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1.00% |
$10,000 |
19.65 |
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0.95% |
$1,000 |
13.26 |
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0.93% |
$5,000 |
17.77 |
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0.90% |
$100,000 |
11.74 |
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0.75% |
$10,000 |
12.11 |
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0.75% |
$10,000 |
11.74 |
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0.60% |
$10,000 |
19.77 |
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0.50% |
$10,000 |
17.65 |
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0.45% |
$500 |
11.69 |
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0.30% |
$10,000 |
11.54 |
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.27% |
$50,000 |
14.01 |
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0.25% |
$1,000 |
13.05 |
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0.25% |
$10,000 |
10.89 |
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0.17% |
$10,000 |
14.01 |
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0.03% |
$100,000 |
12.43 |
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.
Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.
Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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