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You are viewing rates from banks across Morehead
Below are four-year CD Rates from banks in Kentucky . 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.
Morehead, KY - October 30, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.70% |
$10,000 |
- |
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Early Withdrawal Penalty is 365 days interest. |
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Neil | Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More |
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2.75% |
$500 |
- |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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2.75% |
$5,000 |
- |
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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1.30% |
$500 |
7.59 |
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Rate History: 1.00% → 1.30% → 1.40% → 1.30% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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0.80% |
$10,000 |
1.65 |
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z h | Nov 18, 2020 I had a charge that wasn't authorized, and they told me there is nothing they can do about it because in the past it was authorized. Are you serious? So if someone takes your card and goes to Walmart.com a... Read More |
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0.80% |
$10,000 |
16.66 |
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0.77% |
$500 |
20.75 |
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0.75% |
$500 |
0.75 |
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0.75% |
$100,000 |
2.64 |
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0.70% |
$10,000 |
2.64 |
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0.50% |
$1,000 |
- |
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RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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0.50% |
$10,000 |
21.29 |
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0.35% |
$10,000 |
19.48 |
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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.15% |
$500 |
22.26 |
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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| Branch | Street | City | State |
|---|---|---|---|
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Woodforest National Bank 8069 Morehead Branch |
200 Walmart Way | Morehead | KY |
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Whitaker Bank Northside Branch |
1489 Flemingsburg | Morehead | KY |
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The Commercial Bank of Grayson Olive Hill Branch |
Tom T. Hall Boulevard | Olive Hill | KY |
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Commercial Bank Commercial Bank Branch |
550 Main Street | West Liberty | KY |
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First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch |
211 West Main Street | Morehead | KY |
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The First National Bank of Grayson Morehead Branch |
200 Viking Drive | Morehead | KY |
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The First National Bank of Grayson Morehead Branch |
200 Viking Drive | Morehead | KY |
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Pinnacle Bank, Inc. Pinnacle Bank, Inc. Branch |
26 Second Street | Vanceburg | KY |
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Traditional Bank, Inc. Menifee County Branch |
100 Walnut Street | Frenchburg | KY |
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U.S. Bank National Association Flemingsburg Branch |
288 A Windsor Road | Flemingsburg | KY |
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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