Best 4-Year CD Rates in Michigan, MI

You are viewing rates from banks across Michigan

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.

MI - August 4, 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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| 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 Reviews (10)
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 Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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)
First National Bank of America Grandville 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)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| 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 Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| 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 Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| 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
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| 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
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)
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| 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
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| 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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| 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
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| 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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| 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
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| 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 Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| 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
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| 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 Reviews (3)
Mercantile Bank Holland Branch	3.40%	$500	-	Learn More Add Review
Rate History: 2.50% → 4.00% → 3.40%
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| 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 Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| 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
Citizens Brighton / Kroger 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)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association Beecher Heights 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)
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| 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 Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Gogebic Range Bank Bessemer Branch	1.30%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| 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
Mi Bank	1.25%	$10,000	-	Learn More Add Review
Eaton Federal Savings Bank Grand Ledge Branch	1.21%	$10,000	-	Learn More Add Review
Homestead Savings Bank Leslie Branch	1.15%	$10,000	-	Learn More Add Review
Northern Interstate Bank, N. A. North Dickinson 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 Rapid River Branch	1.05%	$10,000	-	Learn More Add Review
Kalamazoo County State Bank Mattawan Branch	1.00%	$10,000	-	Learn More Add Review
The First National Bank & Trust Company of Iron Mountain South Branch	1.00%	$100,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Superior National Bank & Trust Company Ridgecrest Plaza 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 Millington 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 Ontonagon 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 South Branch	0.90%	$2,500	-	Learn More Add Review
Superior National Bank & Trust Company Ridgecrest Plaza Branch	0.90%	$10,000	-	Learn More Add Review
First Bank, Upper Michigan Palms Avenue 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 Frankfort Branch	0.90%	$10,000	-	Learn More Add Review
Waterford Bank, N.A.	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank of Munising Wetmore 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 Canadian Lakes Branch	0.80%	$10,000	-	Learn More Add Review
Huron Community Bank Oscoda Branch	0.80%	$10,000	-	Learn More Add Review
Citizens National Bank of Cheboygan Alanson Branch	0.75%	$100,000	-	Learn More Add Review
Charlevoix State Bank Ellsworth 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 Summit Community Bank 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 Edwardsburg 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 Quinnesec Office 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 Alanson Branch	0.65%	$10,000	-	Learn More Add Review
Commercial Bank 802 Fourth Ave Branch	0.65%	$10,000	-	Learn More Add Review
Eastern Michigan Bank Ruth 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 Whitelake Branch	0.60%	$10,000	-	Learn More Add Review
ChoiceOne Bank Rockford 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 Branch	0.60%	$1,000	-	Learn More Add Review
1st Source Bank Niles-Martins Branch	0.55%	$500	-	Learn More Add Review
Sturgis Bank & Trust Company Bronson Banking Center Branch	0.55%	$10,000	-	Learn More Add Review
Bank of Ann Arbor Bank Of Birmingham 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 Yale Branch	0.50%	$500	-	Learn More Add Review
First National Bank of Michigan First National Bank Of Michigan-West 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 Bank Of Rochester 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 Bay City 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 Bank Of Rochester 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 White Pine 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-West 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 Downtown Branch	0.40%	$10,000	-	Learn More Add Review
Old National Bank Grandville 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 Algonac Branch	0.35%	$1,000	-	Learn More Add Review
First Merchants Bank	0.35%	$100,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
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 815 East Main Street 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)
First Merchants Bank	0.30%	$10,000	-	Learn More
Squittyrules83 \| Sep 6, 2022 DO NOT TRUST THIS BANK. I caught them Ted handed trying to hold my funds through various methods even going so far as to not allow me to transfer my funds to another bank. I've been banking with them for... Read More Reviews (4)
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 Richmond 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
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
Comerica Bank Campau Square 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)
U.S. Bank National Association	0.15%	$500	-	Learn More
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 Reviews (2)
KeyBank National Association Brighton Town Square 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 Hayworth Pfa 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 Woodward/Mack 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 Grandville Branch	4660 Kalamazoo	Grand Rapids	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 Holland Branch	880 E 16th Street	Holland	MI
Citizens Brighton / Kroger Branch	9968 East Grand River	Brighton	MI
JPMorgan Chase Bank, National Association Beecher Heights Branch	G-5491 North Saginaw Street	Flint	MI
Gogebic Range Bank Bessemer Branch	300 South Sophie Street	Bessemer	MI
Eaton Community Bank Grand Ledge Branch	500 South Clinton	Grand Ledge	MI
Homestead Savings Bank Leslie Branch	4625 Hull Road	Leslie	MI
Northern Interstate Bank, N. A. North Dickinson Branch	N10151 State Hwy M95	Sagola	MI
Baybank Rapid River Branch	10513 North Main Street	Rapid River	MI
Kalamazoo County State Bank Mattawan Branch	55320 North Main Street	Mattawan	MI
First National Bank & Trust Co. South Branch	W 8151 Us 2	Iron Mountain	MI
Superior National Bank Ridgecrest Plaza Branch	960 Razorback Drive Suite # 1	Houghton	MI
Upper Peninsula State Bank Upper Peninsula State Bank Branch	430 North Lincoln Road	Escanaba	MI
Mayville State Bank Millington Branch	8428 North State Street	Millington	MI
First State Bank of Decatur First State Bank Of Decatur Branch	124 Phelps Street	Decatur	MI
The Miners State Bank Ontonagon Branch	601 River Street	Ontonagon	MI
Union Bank Union Bank Branch	933 4th Avenue	Lake Odessa	MI
First National Bank & Trust Co. South Branch	W 8151 Us 2	Iron Mountain	MI
Superior National Bank Ridgecrest Plaza Branch	960 Razorback Drive Suite # 1	Houghton	MI
First Bank, Upper Michigan Palms Avenue Branch	743 Palms Avenue	Ishpeming	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 Frankfort Branch	501 Main Street	Frankfort	MI
Peoples State Bank of Munising Wetmore Branch	E9714 Connors Road	Munising	MI
Lake-Osceola State Bank Lake-Osceola State Bank Branch	790 North Michigan Avenue	Baldwin	MI
Isabella Bank Canadian Lakes Branch	8351 100th Avenue	Canadian Lakes	MI
Huron Community Bank Oscoda Branch	5077 North Huron Road	Oscoda Township	MI
Citizens National Bank of Cheboygan Alanson Branch	8011 S. Us 31	Alanson	MI
Charlevoix State Bank Ellsworth Branch	9136 Main Street	Ellsworth	MI
Alden State Bank Alden State Bank Branch	Coy And Helena Streets	Alden	MI
Horizon Bank Summit Community Bank Branch	2151 West Grand River	Okemos	MI
The Dart Bank The Dart Bank Branch	368 South Park Street	Mason	MI
G. W. Jones Exchange Bank Edwardsburg Branch	69139 M-62 Highway South	Edwardsburg	MI
Liberty Bank and Trust Company 9108 Woodward Avenue Branch	9108 Woodward Ave	Detroit	MI
Range Bank Quinnesec Office Branch	W 7253 Us Highway 2	Quinnesec	MI
The Stephenson National Bank and Trust Menominee Branch	1111 10th Street	Menominee	MI
Citizens National Bank of Cheboygan Alanson Branch	8011 S. Us 31	Alanson	MI
Commercial Bank 802 Fourth Ave Branch	802 Fourth Avenue	Lake Odessa	MI
Eastern Michigan Bank Ruth Branch	7004 East Atwater Road	Ruth	MI
University Bank University Bank Branch	2015 Washtenaw Avenue	Ann Arbor	MI
The Shelby State Bank Whitelake Branch	8238 Whitehall Road	Whitehall Township	MI
ChoiceOne Bank Rockford Branch	6795 Courtland Drive Ne	Rockford	MI
United Bank of Michigan United Bank Of Michigan Branch	900 East Paris Avenue, S.E.	Grand Rapids	MI
Blissfield State Bank Blissfield Branch	640 West Adrian Street	Blissfield	MI
1st Source Bank Niles-Martins Branch	720 South 11th Street	Niles	MI
Sturgis Bank & Trust Company Bronson Banking Center Branch	863 West Chicago	Bronson	MI
Bank of Ann Arbor Bank Of Birmingham Branch	33583 Woodward Avenue	Birmingham	MI
Capitol National Bank Capitol National Bank Branch	644 Migaldi Drive	Lansing	MI
Tri-County Bank Yale Branch	7514 South Brockway Road	Yale	MI
First National Bank of Michigan First National Bank Of Michigan-West Branch	5313 West Main Street	Kalamazoo	MI
Oxford Bank Oxford Bank Branch	8125 State Road	Goodrich	MI
CIBC Bank USA Bank Of Rochester Branch	440 Main Street	Rochester	MI
Southern Michigan Bank & Trust Southern Michigan Bank & Trust Branch	88 North Main Street	Three Rivers	MI
1st State Bank Bay City Branch	601 North Madison Avenue	Bay City	MI
Bay Port State Bank Bay Port State Bank Branch	9840 Main Street	Bay Port	MI
CIBC Bank USA Bank Of Rochester Branch	440 Main Street	Rochester	MI
The First National Bank of Wakefield The First National Bank Of Wakefield Branch	401 Sunday Lake Street	Wakefield	MI
Citizens State Bank White Pine Branch	35337 Mall Circle	White Pine	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-West Branch	5313 West Main Street	Kalamazoo	MI
The Port Austin State Bank The Port Austin State Bank Branch	62 East State Street	Port Austin	MI
Chelsea State Bank Downtown Branch	305 South Main	Chelsea	MI
Old National Bank Grandville Branch	5601 Wilson Ave, S.W.	Grandville	MI
Bay Port State Bank Bay Port State Bank Branch	9840 Main Street	Bay Port	MI
Northstar Bank Algonac Branch	900 Point Tremble Road	Algonac	MI
Thumb Bank and Trust Thumb Bank And Trust Branch	7254 Michigan Avenue	Pigeon	MI
Macatawa Bank, National Association 815 East Main Street Branch	815 East Main Street	Zeeland	MI
Oxford Bank Oxford Bank Branch	8125 State Road	Goodrich	MI
Bank Michigan Osb Community Bank Branch	417 South Main Street	Brooklyn	MI
First State Bank Richmond Branch	67225 Gratiot Avenue	Richmond	MI
Farmers State Bank Sturgis Branch	809 West Chicago Road	Sturgis	MI
Comerica Bank Campau Square Branch	99 Monroe Avenue Nw	Grand Rapids	MI
KeyBank National Association Brighton Town Square Branch	8199 Challis Road	Brighton	MI
PNC Bank, National Association Hayworth Pfa Branch	One Haworth Center	Holland	MI
Bank of America, National Association Woodward/Mack Branch	3670 Woodward Avenue	Detroit	MI

See rates for Online Banks →

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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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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

SAVINGS & CD CALCULATOR

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