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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Cambridge
Below are four-year CD Rates from banks in Massachusetts . 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.
Cambridge, MA - August 1, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
Learn More
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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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4.05% |
$25,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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4.00% |
$10 |
19.53 |
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Stephen Clinton | Jan 9, 2021 Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More |
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3.75% |
$1,000 |
21.77 |
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3.45% |
$1,000 |
10.33 |
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.25% |
$20 |
11.04 |
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Rate History: 2.50% → 3.00% → 4.00% → 3.50% → 3.25% |
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Andrea | Apr 18, 2017 Village Bank currently has a 15 mo. CD special at 1.50% Read More |
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3.25% |
$1,000 |
19.61 |
Learn More
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Shawn | Feb 14, 2022 I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More |
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3.25% |
$1,000 |
13.82 |
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Rate History: 4.40% → 4.00% → 3.75% → 3.50% → 3.25% |
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3.00% |
$1,000 |
24.63 |
Learn More
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Rate History: 3.75% → 4.00% → 3.25% → 3.00% |
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Jacob | Jan 30, 2020 Find branch personnel are genuinely interested in my business. Read More |
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2.75% |
$500 |
- |
Learn More
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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2.75% |
$5,000 |
- |
Learn More
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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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2.75% |
$5,000 |
19.44 |
Learn More
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Rate History: 3.00% → 2.75% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.50% |
$500 |
15.49 |
Learn More
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Rate History: 0.75% → 1.00% → 0.75% → 2.50% |
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Karen nicoli | Jan 23, 2017 2.50 Read More |
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2.35% |
$0 |
17.38 |
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Rate History: 2.40% → 2.35% |
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2.25% 0.50% |
$10,000 $500 |
15.30 |
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DMuessig | Jan 8, 2018 Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More |
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2.12% |
$500 |
23.23 |
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Rate History: 2.27% → 2.12% |
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2.00% |
$1,000 |
16.01 |
Learn More
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Rate History: 2.00% → 3.25% → 2.00% → 3.25% → 2.00% |
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2.00% |
$1,000 |
24.15 |
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2.00% |
$1,000 |
8.52 |
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Rate History: 1.00% → 2.00% |
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2.00% |
$0 |
10.66 |
Learn More
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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 |
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2.00% |
$10,000 |
4.44 |
Learn More
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Rate History: 2.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.75% |
$500 |
4.25 |
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1.51% |
$500 |
21.59 |
Learn More
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Rate History: 1.25% → 1.51% |
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1.50% |
$1,000 |
13.62 |
Learn More
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Rate History: 1.50% → 1.75% → 1.50% |
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1.30% |
$1,000 |
9.10 |
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1.21% |
$10,000 |
15.47 |
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1.10% |
$10,000 |
13.62 |
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Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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1.05% |
$10,000 |
11.17 |
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1.00% |
$1,000 |
3.86 |
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0.95% |
$10,000 |
24.95 |
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cfcbjm | Nov 5, 2020 Appalling customer service! Don't answer the phone, a simple credit line takes days & a mountain of paperwork - absolutely not worth the trouble! Read More |
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0.85% |
$10,000 |
24.56 |
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0.80% |
$10,000 |
1.13 |
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0.80% |
$10,000 |
11.55 |
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0.75% |
$10,000 |
20.42 |
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0.75% |
$500 |
24.79 |
Learn More
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CS | Sep 3, 2020 Went in to open accounts in Middleboro foy my husband and myself as well as one for my grandson. Without being invited into an office I was asked from across the room if I was opening accounts for the chi... Read More |
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0.75% |
$500 |
23.28 |
Learn More
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Rate History: 1.00% → 0.75% → 1.00% → 0.75% |
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0.75% |
$1,000 |
17.07 |
Learn More
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0.70% |
$500 |
1.71 |
Learn More
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Rate History: 0.60% → 0.70% |
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0.65% |
$500 |
7.08 |
Learn More
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Rate History: 1.25% → 0.65% |
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0.65% |
$500 |
20.72 |
Learn More
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0.65% |
$500 |
17.71 |
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0.65% |
$1,000 |
9.69 |
Learn More
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Rate History: 1.00% → 0.65% |
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0.60% |
$10,000 |
20.47 |
Learn More
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0.60% |
$10,000 |
5.96 |
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0.55% |
$500 |
16.90 |
Learn More
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Thomas DeMauro | Aug 28, 2022 Rates are totally uncompetitive now. Read More |
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0.50% |
$1,000 |
- |
Learn More
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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% |
$1,000 |
15.74 |
Learn More
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0.50% |
$10,000 |
13.62 |
Learn More
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Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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0.50% |
$1,000 |
8.51 |
Learn More
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Rate History: 1.00% → 0.50% |
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0.40% |
$50,000 |
3.91 |
Learn More
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0.40% |
$1,000 |
5.90 |
Learn More
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0.35% |
$500 |
8.00 |
Learn More
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0.35% |
$10,000 |
17.47 |
Learn More
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0.30% |
$1,000 |
22.89 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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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 |
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.20% |
$10,000 |
7.18 |
Learn More
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Denyse DuBrucq | Jan 1, 2016 I very much prefer banking here. Everyone is so friendly and know who is calling by voice. Your help getting me through this year where I did as much as possible to launch my business, CryoRain Inc., is ... Read More |
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0.15% |
$10,000 |
20.40 |
Learn More
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marcus | Nov 1, 2021 worst bank ever and they racist ruth bitchell and the rest of them ban frontline workers that complain about their mistakes this only happens to blacks Read More |
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0.03% |
$100,000 |
19.92 |
Learn More
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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.
Use or Change these Amounts And Rates