Best 4-Year CD Rates in Mississippi, MS

You are viewing rates from banks across Mississippi

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

MS - August 16, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.05% → 4.00% → 3.90% → 4.15% → 4.10%
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)
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)
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
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)
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	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	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%
Woodforest National Bank 8190 Brookhaven Mississippi Walmart Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Planters Bank & Trust Company Southaven Branch	1.26%	$2,500	-	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
Delta Bank Delta Bank Natchez Branch	1.21%	$100,000	-	Learn More Add Review
Grand Bank for Savings, FSB 226 Highway 42 East Branch	1.20%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Co. Walls Branch	1.16%	$10,000	-	Learn More Add Review
First Financial Bank Senatobia Branch	1.16%	$10,000	-	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	1.06%	$10,000	-	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
Magnolia State Bank Taylorsville Branch	0.90%	$1,000	-	Learn More Add Review
Bank of Commerce Park Avenue Branch	0.90%	$10,000	-	Learn More Add Review
FIRST COMMERCIAL BANK Desot County Bank Branch	0.90%	$10,000	-	Learn More Add Review
The Jefferson Bank Rosedale Branch	0.90%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company North Natchez Branch	0.90%	$100,000	-	Learn More Add Review
The Peoples Bank Walnut Branch	0.85%	$100,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.85%	$100,000	-	Learn More Add Review
First National Bank of Clarksdale First National Bank Of Clarksdale Branch	0.80%	$10,000	-	Learn More Add Review
Commerce Bank Commerce Bank Branch	0.80%	$10,000	-	Learn More Add Review
First National Bank of Picayune Picayune-South Branch	0.80%	$10,000	-	Learn More Add Review
Bank of Yazoo City Lintonia Branch	0.75%	$500	-	Learn More Add Review
CB&S Bank, Inc. 12-25 Industrial Branch	0.75%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
The Peoples Bank Walnut Branch	0.75%	$10,000	-	Learn More Add Review
United Mississippi Bank Gloster Branch	0.75%	$10,000	-	Learn More Add Review
First Bank Summit Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Kilmichael Winona Branch	0.75%	$10,000	-	Learn More
DPB3633 \| Dec 17, 2021 What is a bank ACH number? Read More Reviews (1)
Bank of Winona Bank Of Winona Branch	0.75%	$10,000	-	Learn More Add Review
Home Bank, National Association Fatherland Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.75%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association Hurley Branch	0.75%	$100,000	-	Learn More Add Review
Concordia Bank & Trust Company North Natchez Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of Holly Springs South Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Okolona Mantee Branch	0.70%	$10,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.65%	$100,000	-	Learn More Add Review
Merchants and Planters Bank Merchants And Planters Bank Branch	0.65%	$10,000	-	Learn More Add Review
Pike National Bank South Broadway Branch	0.65%	$500	-	Learn More Add Review
First Southern Bank Carriere Office Branch	0.65%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank Corinth Branch	0.60%	$10,000	-	Learn More Add Review
Peoples Bank Collins Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association Hurley Branch	0.60%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	0.58%	$100,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.55%	$10,000	-	Learn More Add Review
BNA Bank Mccullough Branch	0.55%	$10,000	-	Learn More Add Review
The Citizens Bank of Philadelphia, Mississippi East Side Branch	0.55%	$10,000	-	Learn More Add Review
Great Southern Bank Pachuta Branch	0.55%	$10,000	-	Learn More Add Review
Covington County Bank Covington County Bank Branch	0.55%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	0.53%	$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
Community Spirit Bank Belmont Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank of Mississippi Leakesville Branch	0.50%	$10,000	-	Learn More Add Review
Holmes County Bank & Trust Company Goodman Branch	0.50%	$10,000	-	Learn More Add Review
The Commercial Bank Meridian Branch	0.50%	$10,000	-	Learn More Add Review
The Bank of Forest Bank Of Walnut Grove Branch	0.50%	$10,000	-	Learn More Add Review
PriorityOne Bank Hattiesburg Branch	0.50%	$10,000	-	Learn More
Archie \| Feb 8, 2017 25000 Read More Reviews (1)
Merchants & Marine Bank Wade Branch	0.50%	$10,000	-	Learn More Add Review
Century Bank Escatawpa Branch	0.50%	$10,000	-	Learn More Add Review
Richton Bank & Trust Company North Richton Branch	0.50%	$10,000	-	Learn More Add Review
BankPlus West Branch	0.45%	$1,000	-	Learn More Add Review
First Security Bank Hernando Branch	0.45%	$100,000	-	Learn More Add Review
The Peoples Bank, Biloxi, Mississippi Ocean Springs Branch	0.45%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.45%	$1,000	-	Learn More Add Review
First Security Bank Hernando Branch	0.40%	$10,000	-	Learn More Add Review
Southern Bancorp Bank Mound Bayou Branch	0.40%	$10,000	-	Learn More Add Review
Amory Federal Savings and Loan Association Amory Federal Savings And Loan Assoc Branch	0.35%	$10,000	-	Learn More
Juanita Orsborn \| Mar 28, 2015 Can we make the mortgage payment on line? Read More Reviews (1)
BankFirst Financial Services Scanlan Street Drive-In Branch	0.30%	$10,000	-	Learn More Add Review
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
Renasant Bank Hazlehurst, Ms Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
The Citizens National Bank of Meridian College Park Express Bank Branch	0.25%	$10,000	-	Learn More Add Review
Origin Bank Origin Bank Branch	0.25%	$10,000	-	Learn More
Ralph \| Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More Reviews (1)
Paragon Bank	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
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.15%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
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)
Regions Bank Bassfield Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	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	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	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 10116

Branch	Street	City	State
Woodforest National Bank 8190 Brookhaven Mississippi Walmart Branch	960 Brookway Blvd	Brookhaven	MS
Planters Bank & Trust Company Southaven Branch	232 Goodman Road	Southaven	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
Grand Bank for Savings, FSB 226 Highway 42 East Branch	226 Highway 42 East	Petal	MS
Citizens Bank & Trust Co. Walls Branch	6851 Highway 301	Walls	MS
First Financial Bank Senatobia Branch	700 N Robinson St	Senatobia	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
Magnolia State Bank Taylorsville Branch	748 Highway 28 East	Taylorsville	MS
Bank of Commerce Park Avenue Branch	815 West Park Avenue	Greenwood	MS
FIRST COMMERCIAL BANK Desot County Bank Branch	6040 Highway 51 North	Horn Lake	MS
The Jefferson Bank Rosedale Branch	600 Main Street	Rosedale	MS
Concordia Bank & Trust Company North Natchez Branch	516 Hwy 61 North	Natchez	MS
The Peoples Bank Walnut Branch	Highway 15 North	Walnut	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
First National Bank of Clarksdale First National Bank Of Clarksdale Branch	402 East Second Street	Clarksdale	MS
Commerce Bank Commerce Bank Branch	306 South Cass Street	Corinth	MS
FNB Picayune Bank Picayune-South Branch	801 Memorial Blvd	Picayune	MS
Bank of Yazoo City Lintonia Branch	826 Grand Avenue	Yazoo City	MS
CB&S Bank, Inc. 12-25 Industrial Branch	Highways 12 And 25	Starkville	MS
The Peoples Bank Walnut Branch	Highway 15 North	Walnut	MS
United Mississippi Bank Gloster Branch	647 Highway 33	Gloster	MS
First Bank Summit Branch	Robb Street	Summit	MS
Bank of Kilmichael Winona Branch	509 North Applegate	Winona	MS
Bank of Winona Bank Of Winona Branch	312 North Applegate	Winona	MS
Home Bank, National Association Fatherland Branch	Highway 61 South	Natchez	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
First Federal Savings and Loan Association Hurley Branch	Hway 613	Hurley	MS
Concordia Bank & Trust Company North Natchez Branch	516 Hwy 61 North	Natchez	MS
Bank of Holly Springs South Branch	970 Highway 7 South	Holly Springs	MS
BankOkolona Mantee Branch	54 First Street	Mantee	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
Pike National Bank South Broadway Branch	628 South Broadway	Mccomb	MS
First Southern Bank Carriere Office Branch	7360 Highway 11 North	Carriere	MS
Farmers and Merchants Bank Corinth Branch	515 Filmore Street	Corinth	MS
Peoples Bank Collins Branch	710 Main Street	Collins	MS
First Federal Savings and Loan Association Hurley Branch	Hway 613	Hurley	MS
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	Highway 1 South	Greenville	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
BNA Bank Mccullough Branch	3041 Mccullough Boulevard	Belden	MS
The Citizens Bank of Philadelphia, Mississippi East Side Branch	Highways 16 East And 486	Philadelphia	MS
Great Southern Bank Pachuta Branch	U.S. Highway 11	Pachuta	MS
Covington County Bank Covington County Bank Branch	102 S Dogwood Ave	Collins	MS
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	Highway 1 South	Greenville	MS
Community Spirit Bank Belmont Branch	342 Second Street	Belmont	MS
Community Bank of Mississippi Leakesville Branch	431 St. Frances Street	Leakesville	MS
Holmes County Bank Goodman Branch	9860 Main Street	Goodman	MS
The Commercial Bank Meridian Branch	7591 Highway 39	Meridian	MS
The Bank of Forest Bank Of Walnut Grove Branch	101 Chadwick Ave	Walnut Grove	MS
PriorityOne Bank Hattiesburg Branch	6276 Highway 98 West	Hattiesburg	MS
Merchants & Marine Bank Wade Branch	Highway 63	Wade	MS
Century Bank Escatawpa Branch	7312 Highway 63	Escatawpa	MS
Richton Bank & Trust Company North Richton Branch	809 Front Street North	Richton	MS
BankPlus West Branch	State Highway 513	Stonewall	MS
First Security Bank Hernando Branch	985 E. Commerce Street	Hernando	MS
The Peoples Bank, Biloxi, Mississippi Ocean Springs Branch	U.S. Highway 90	Ocean Springs	MS
Citizens Bank Citizens Bank Branch	814 Main Street	Columbia	MS
First Security Bank Hernando Branch	985 E. Commerce Street	Hernando	MS
Southern Bancorp Bank Mound Bayou Branch	U. S. Highway 61	Mound Bayou	MS
Amory Federal Savings and Loan Association Amory Federal Savings And Loan Assoc Branch	213 2nd Ave N	Amory	MS
BankFirst Financial Services Scanlan Street Drive-In Branch	Scanlan And Richardson Streets	Newton	MS
Renasant Bank Hazlehurst, Ms Branch	649 North Caldwell Drive	Hazlehurst	MS
The Citizens National Bank of Meridian College Park Express Bank Branch	Highway 19 North	Meridian	MS
Origin Bank Origin Bank Branch	775 Lake Harbour Drive, Suite A	Ridgeland	MS
Regions Bank Bassfield Branch	219 General Robert E. Blount Drive	Bassfield	MS
Regions Bank Bassfield Branch	219 General Robert E. Blount Drive	Bassfield	MS

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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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