Best 4-Year CD Rates in Wyoming, Michigan, MI

You are viewing rates from banks across Wyoming

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

Wyoming, MI - 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)
Nicolet National Bank Menominee Branch	4.00% 3.50%	$2,500 $2,501	-	Learn More
Rate History: 4.00% → 4.25% → 4.15% → 3.75% → 4.00%
Jim Doe \| Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More Reviews (2)
First National Bank of America First National Bank Of America Branch	3.85%	$1,000	-	Learn More
Rate History: 4.80% → 4.65% → 4.55% → 4.26% → 3.85%
VINCEMUNIZ@Q.COM \| Oct 16, 2020 HAVE BEEN CALLING YOUR MORTGAGE DEPARTMENT ON "ITIN" LOANS AND HAVE NOT GOT A HUMAN PERSON TO ANSWER OR RETURN MY PHONE CALLS. WHAT IS HAPPEN? PLEASE ADVISE. THANK YOU, Read More Reviews (1)
Northpointe Bank Northpointe Bank Branch	3.60%	$1,000	-	Learn More
Rate History: 2.05% → 2.10% → 2.05% → 3.60%
pagehelen2@gmail.com \| Mar 10, 2021 Northpointe -- my most favorite bank -- held their rate when others dropped -- nice people to deal with -- and -- COURAGE + INTEGRITY. Read More Reviews (4)
Mercantile Bank South Main Branch	3.40%	$500	-	Learn More Add Review
Rate History: 2.50% → 4.00% → 3.40%
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
Citizens Wyandotte Branch	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
JPMorgan Chase Bank, National Association Main Washington 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)
Gogebic Range Bank Ewen Branch	1.30%	$10,000	-	Learn More Add Review
Eaton Federal Savings Bank Eaton Federal Savings Bank Branch	1.21%	$10,000	-	Learn More Add Review
Homestead Savings Bank Homestead Savings Bank Branch	1.15%	$10,000	-	Learn More Add Review
Northern Interstate Bank, N. A. Northern Interstate Bank, N. A. Branch	1.10%	$1,000	-	Learn More
blueangel \| Jan 6, 2020 Worst customer experience ever. Had a issue with a fee that should not have been there because i had a checking and savings account. I was told once i signed up for checking that if they needed, they woul... Read More Reviews (1)
Baybank Baybank Branch	1.05%	$10,000	-	Learn More Add Review
Kalamazoo County State Bank Kalamazoo County State Bank Branch	1.00%	$10,000	-	Learn More Add Review
The First National Bank & Trust Company of Iron Mountain North Menomine Branch	1.00%	$100,000	-	Learn More Add Review
Superior National Bank & Trust Company Superior National Bank & Trust Compa Branch	1.00%	$100,000	-	Learn More Add Review
Upper Peninsula State Bank Upper Peninsula State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Mayville State Bank Mayville State Bank Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank of Decatur First State Bank Of Decatur Branch	1.00%	$10,000	-	Learn More Add Review
The Miners State Bank South Range Branch	0.95%	$10,000	-	Learn More Add Review
Union Bank Union Bank Branch	0.95%	$10,000	-	Learn More Add Review
The First National Bank & Trust Company of Iron Mountain North Menomine Branch	0.90%	$2,500	-	Learn More Add Review
Superior National Bank & Trust Company Superior National Bank & Trust Compa Branch	0.90%	$10,000	-	Learn More Add Review
First Bank, Upper Michigan First Bank, Upper Michigan Branch	0.90%	$10,000	-	Learn More Add Review
Central Savings Bank Central Savings Bank Branch	0.90%	$100	-	Learn More Add Review
Huron National Bank Huron National Bank Branch	0.90%	$10,000	-	Learn More Add Review
West Shore Bank West Shore Bank Branch	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank of Munising Peoples State Bank Of Munising Branch	0.80%	$10,000	-	Learn More Add Review
Lake-Osceola State Bank Lake-Osceola State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Isabella Bank Isabella Bank Branch	0.80%	$10,000	-	Learn More Add Review
Huron Community Bank Huron Community Bank Branch	0.80%	$10,000	-	Learn More Add Review
Citizens National Bank of Cheboygan Citizens National Bank Of Cheboygan Branch	0.75%	$100,000	-	Learn More Add Review
Charlevoix State Bank Charlevoix State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Alden State Bank Alden State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Horizon Bank Horizon Bank, National Association Branch	0.75%	$10,000	-	Learn More Add Review
The Dart Bank The Dart Bank Branch	0.75%	$10,000	-	Learn More Add Review
G. W. Jones Exchange Bank G. W. Jones Exchange Bank Branch	0.75%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company 9108 Woodward Avenue Branch	0.75%	$10,000	-	Learn More Add Review
Range Bank, National Association Range Bank, National Association Branch	0.70%	$10,000	-	Learn More Add Review
The Stephenson National Bank and Trust Menominee Branch	0.70%	$10,000	-	Learn More Add Review
Citizens National Bank of Cheboygan Citizens National Bank Of Cheboygan Branch	0.65%	$10,000	-	Learn More Add Review
Commercial Bank Mason State Branch	0.65%	$10,000	-	Learn More Add Review
Eastern Michigan Bank Eastern Michigan Bank Branch	0.65%	$10,000	-	Learn More Add Review
University Bank University Bank Branch	0.60%	$500	-	Learn More Add Review
The Shelby State Bank Hesperia Branch	0.60%	$10,000	-	Learn More Add Review
ChoiceOne Bank Choiceone Bank Branch	0.60%	$10,000	-	Learn More
Savvy \| Jul 17, 2020 Terrible experience trying to get a mortgage. I’ve got great credit, have gotten literally dozens of mortgages over the past 40 years. I completed an online application, waited a week and never heard a... Read More Reviews (2)
United Bank of Michigan United Bank Of Michigan Branch	0.60%	$10,000	-	Learn More Add Review
Blissfield State Bank Blissfield State Bank Branch	0.60%	$1,000	-	Learn More Add Review
1st Source Bank St Joseph Lakeshore Branch	0.55%	$500	-	Learn More Add Review
Sturgis Bank & Trust Company Bangor Banking Center Branch	0.55%	$10,000	-	Learn More Add Review
Bank of Ann Arbor Bank Of Ann Arbor Branch	0.55%	$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
Capitol National Bank Capitol National Bank Branch	0.50%	$500	-	Learn More Add Review
Tri-County Bank Tri-County Bank Branch	0.50%	$500	-	Learn More Add Review
First National Bank of Michigan First National Bank Of Michigan Branch	0.50%	$100,000	-	Learn More Add Review
Oxford Bank Oxford Bank Branch	0.50%	$10,000	-	Learn More
Gloria Borchman \| Jul 3, 2023 My niece and I have been customers of the Addison Oaks branch of Oxford Bank for 20 years. My niece is on my accounts and has a separate account of her own. We have performed the same transactions for 20... Read More Reviews (1)
CIBC Bank USA Privatebank Michigan Branch	0.50%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Southern Michigan Bank & Trust Southern Michigan Bank & Trust Branch	0.45%	$500	-	Learn More Add Review
1st State Bank 1st State Bank Branch	0.45%	$500	-	Learn More Add Review
Bay Port State Bank Bay Port State Bank Branch	0.45%	$100,000	-	Learn More Add Review
CIBC Bank USA Privatebank Michigan Branch	0.45%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
The First National Bank of Wakefield The First National Bank Of Wakefield Branch	0.44%	$10,000	-	Learn More Add Review
The Citizens State Bank of Ontonagon The Citizens State Bank Of Ontonagon Branch	0.40%	$10,000	-	Learn More Add Review
State Savings Bank State Savings Bank, Frankfort, Mich. Branch	0.40%	$10,000	-	Learn More Add Review
First National Bank of Michigan First National Bank Of Michigan Branch	0.40%	$10,000	-	Learn More Add Review
The Port Austin State Bank The Port Austin State Bank Branch	0.40%	$10,000	-	Learn More Add Review
Chelsea State Bank Chelsea State Bank Branch	0.40%	$10,000	-	Learn More Add Review
Old National Bank United Bank & Trust 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)
Bay Port State Bank Bay Port State Bank Branch	0.35%	$10,000	-	Learn More Add Review
Northstar Bank Community Bank, Caro - Branch	0.35%	$1,000	-	Learn More Add Review
Thumb Bank and Trust Thumb Bank And Trust Branch	0.30%	$10,000	-	Learn More
J Geiger \| Jun 14, 2022 Compliance officer possibly the rudest person ive every spoken with. Polices changing constantly. One week they do what you need the next week they wont. Complete mess. Not the old Thumb National rude and ... Read More Reviews (1)
Macatawa Bank Grand Rapids Downtown Branch	0.30%	$10,000	-	Learn More Add Review
Oxford Bank Oxford Bank Branch	0.30%	$100,000	-	Learn More
Gloria Borchman \| Jul 3, 2023 My niece and I have been customers of the Addison Oaks branch of Oxford Bank for 20 years. My niece is on my accounts and has a separate account of her own. We have performed the same transactions for 20... Read More Reviews (1)
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
Bank Michigan Osb Community Bank Branch	0.25%	$10,000	-	Learn More Add Review
First State Bank First State Bank Branch	0.25%	$10,000	-	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 Sturgis Branch	0.20%	$10,000	-	Learn More Add Review
Comerica Bank Manchester Branch	0.15%	$1	-	Learn More
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
KeyBank National Association Saline Main 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 Alpena 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 28th/Michael Branch	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)

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
Nicolet National Bank Menominee Branch	1015 Tenth Avenue	Menominee	MI
First National Bank of America First National Bank Of America Branch	241 East Saginaw	East Lansing	MI
Northpointe Bank Northpointe Bank Branch	3333 Deposit Drive Ne	Grand Rapids	MI
Nicolet National Bank Menominee Branch	1015 Tenth Avenue	Menominee	MI
Mercantile Bank South Main Branch	102 South Main Street	Mt. Pleasant	MI
Citizens Wyandotte Branch	3058 First Street	Wyandotte	MI
JPMorgan Chase Bank, National Association Main Washington Branch	125 South Main Street	Ann Arbor	MI
Gogebic Range Bank Ewen Branch	207 Cedar Street	Ewen	MI
Eaton Community Bank Eaton Federal Savings Bank Branch	236 South Cochran Avenue	Charlotte	MI
Homestead Savings Bank Homestead Savings Bank Branch	415 South Superior Street	Albion	MI
Northern Interstate Bank, N. A. Northern Interstate Bank, N. A. Branch	501 West Us 2	Norway	MI
Baybank Baybank Branch	104 South Tenth Street	Gladstone	MI
Kalamazoo County State Bank Kalamazoo County State Bank Branch	223 N Grand Street	Schoolcraft	MI
First National Bank & Trust Co. North Menomine Branch	3805 Tenth Avenue	Menominee	MI
Superior National Bank Superior National Bank & Trust Compa Branch	235 Quincy Street	Hancock	MI
Upper Peninsula State Bank Upper Peninsula State Bank Branch	430 North Lincoln Road	Escanaba	MI
Mayville State Bank Mayville State Bank Branch	6104 Fulton	Mayville	MI
First State Bank of Decatur First State Bank Of Decatur Branch	124 Phelps Street	Decatur	MI
The Miners State Bank South Range Branch	47 Trimountain Avenue	South Range	MI
Union Bank Union Bank Branch	933 4th Avenue	Lake Odessa	MI
First National Bank & Trust Co. North Menomine Branch	3805 Tenth Avenue	Menominee	MI
Superior National Bank Superior National Bank & Trust Compa Branch	235 Quincy Street	Hancock	MI
First Bank, Upper Michigan First Bank, Upper Michigan Branch	1400 Delta Avenue	Gladstone	MI
Central Savings Bank Central Savings Bank Branch	511 Bingham Avenue	Sault Sainte Marie	MI
Huron State Bank Huron National Bank Branch	200 East Erie	Rogers City	MI
West Shore Bank West Shore Bank Branch	201 West Loomis Street	Ludington	MI
Peoples State Bank of Munising Peoples State Bank Of Munising Branch	100 East Superior Street	Munising	MI
Lake-Osceola State Bank Lake-Osceola State Bank Branch	790 North Michigan Avenue	Baldwin	MI
Isabella Bank Isabella Bank Branch	200 East Broadway	Mount Pleasant	MI
Huron Community Bank Huron Community Bank Branch	301 North Newman Street	East Tawas	MI
Citizens National Bank of Cheboygan Citizens National Bank Of Cheboygan Branch	303 North Main Street	Cheboygan	MI
Charlevoix State Bank Charlevoix State Bank Branch	111 State Street	Charlevoix	MI
Alden State Bank Alden State Bank Branch	Coy And Helena Streets	Alden	MI
Horizon Bank Horizon Bank, National Association Branch	123 Portage Avenue	Three Rivers	MI
The Dart Bank The Dart Bank Branch	368 South Park Street	Mason	MI
G. W. Jones Exchange Bank G. W. Jones Exchange Bank Branch	119-21 West Main Street	Marcellus	MI
Liberty Bank and Trust Company 9108 Woodward Avenue Branch	9108 Woodward Ave	Detroit	MI
Range Bank Range Bank, National Association Branch	100 North Front Street	Marquette	MI
The Stephenson National Bank and Trust Menominee Branch	1111 10th Street	Menominee	MI
Citizens National Bank of Cheboygan Citizens National Bank Of Cheboygan Branch	303 North Main Street	Cheboygan	MI
Commercial Bank Mason State Branch	322 South Jefferson Street	Mason	MI
Eastern Michigan Bank Eastern Michigan Bank Branch	65 North Howard Avenue	Croswell	MI
University Bank University Bank Branch	2015 Washtenaw Avenue	Ann Arbor	MI
The Shelby State Bank Hesperia Branch	180 North Division Avenue	Hesperia	MI
ChoiceOne Bank Choiceone Bank Branch	109 East Division	Sparta	MI
United Bank of Michigan United Bank Of Michigan Branch	900 East Paris Avenue, S.E.	Grand Rapids	MI
Blissfield State Bank Blissfield State Bank Branch	204 East Jefferson	Blissfield	MI
1st Source Bank St Joseph Lakeshore Branch	4009 Red Arrow Highway	Saint Joseph	MI
Sturgis Bank & Trust Company Bangor Banking Center Branch	232 West Monroe Street	Bangor	MI
Bank of Ann Arbor Bank Of Ann Arbor Branch	125 South Fifth Avenue	Ann Arbor	MI
Capitol National Bank Capitol National Bank Branch	200 Washington Square North	Lansing	MI
Tri-County Bank Tri-County Bank Branch	4222 Main Street	Brown City	MI
First National Bank of Michigan First National Bank Of Michigan Branch	348 West Michigan Avenue	Kalamazoo	MI
Oxford Bank Oxford Bank Branch	60 South Washington Street	Oxford	MI
CIBC Bank USA Privatebank Michigan Branch	38505 Woodward Avenue, Suite 1300	Bloomfield Hills	MI
Southern Michigan Bank & Trust Southern Michigan Bank & Trust Branch	45-51 West Pearl Street	Coldwater	MI
1st State Bank 1st State Bank Branch	4800 Fashion Square Boulevard, Suite 100	Saginaw	MI
Bay Port State Bank Bay Port State Bank Branch	9840 Main Street	Bay Port	MI
CIBC Bank USA Privatebank Michigan Branch	38505 Woodward Avenue, Suite 1300	Bloomfield Hills	MI
The First National Bank of Wakefield The First National Bank Of Wakefield Branch	401 Sunday Lake Street	Wakefield	MI
Citizens State Bank The Citizens State Bank Of Ontonagon Branch	501 River Street	Ontonagon	MI
State Savings Bank State Savings Bank, Frankfort, Mich. Branch	703 Main Street	Frankfort	MI
First National Bank of Michigan First National Bank Of Michigan Branch	348 West Michigan Avenue	Kalamazoo	MI
The Port Austin State Bank The Port Austin State Bank Branch	62 East State Street	Port Austin	MI
Chelsea State Bank Chelsea State Bank Branch	1010 South Main Street	Chelsea	MI
Old National Bank United Bank & Trust Branch	2723 South State Street	Ann Arbor	MI
Bay Port State Bank Bay Port State Bank Branch	9840 Main Street	Bay Port	MI
Northstar Bank Community Bank, Caro - Branch	1100 East Caro Road	Caro	MI
Thumb Bank and Trust Thumb Bank And Trust Branch	7254 Michigan Avenue	Pigeon	MI
Macatawa Bank, National Association Grand Rapids Downtown Branch	126 Ottawa Avenue, N.W.	Grand Rapids	MI
Oxford Bank Oxford Bank Branch	60 South Washington Street	Oxford	MI
Bank Michigan Osb Community Bank Branch	417 South Main Street	Brooklyn	MI
First State Bank First State Bank Branch	16100 9 Mile Road	Eastpointe	MI
Farmers State Bank Sturgis Branch	809 West Chicago Road	Sturgis	MI
Comerica Bank Manchester Branch	135 East Main Street	Manchester	MI
KeyBank National Association Saline Main Branch	100 West Michigan Avenue	Saline	MI
PNC Bank, National Association Alpena Branch	122 North Second Avenue	Alpena	MI
Bank of America, National Association 28th/Michael Branch	1212 28th Street, Southwest	Wyoming	MI

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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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Wyoming, Michigan CD Rates – 4-Year

Branches Info around zip 10007

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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