Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Hopkins
Below are four-year CD Rates from banks in Minnesota . 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.
Hopkins, MN - July 17, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.95% |
$1,000 |
4.99 |
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Rate History: 3.30% → 3.50% |
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2.50% |
$0 |
8.75 |
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Rate History: 3.00% → 2.90% → 2.75% → 2.70% → 2.50% |
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|
1.36% |
$10,000 |
15.37 |
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lloyde mille3r | Mar 29, 2017 my ira Read More |
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|
1.27% |
$10,000 |
8.71 |
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|
|
1.26% |
$100,000 |
23.34 |
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|
Steve | Feb 4, 2021 Yes Read More |
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|
1.25% |
$500 |
5.48 |
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Rate History: 1.50% → 1.25% |
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|
1.25% |
$10,000 |
18.54 |
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|
|
1.16% |
$10,000 |
6.69 |
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|
|
1.16% |
$2,000 |
18.49 |
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|
|
1.10% |
$10,000 |
22.43 |
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|
|
|
1.10% |
$10,000 |
22.55 |
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|
|
|
1.05% |
$10,000 |
23.34 |
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|
|
|
Steve | Feb 4, 2021 Yes Read More |
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|
1.05% |
$100,000 |
6.21 |
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|
|
|
0.95% |
$100,000 |
7.56 |
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|
|
|
0.95% |
$10,000 |
4.11 |
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|
|
|
0.90% |
$10,000 |
18.70 |
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|
|
|
0.90% |
$10,000 |
18.53 |
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|
|
|
0.90% |
$10,000 |
17.13 |
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|
|
|
0.85% |
$10,000 |
12.90 |
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|
|
|
0.85% |
$10,000 |
6.21 |
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|
|
|
0.85% |
$10,000 |
7.56 |
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|
|
|
0.85% |
$100,000 |
15.06 |
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|
|
|
0.80% |
$100 |
8.28 |
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|
|
|
0.80% |
$10,000 |
15.30 |
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|
|
|
0.80% |
$10,000 |
15.06 |
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|
|
|
0.80% |
$10,000 |
6.21 |
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|
|
|
0.80% |
$100,000 |
22.33 |
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|
|
|
0.78% |
$500 |
9.13 |
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|
|
|
0.75% |
$1,000 |
18.12 |
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|
|
|
0.75% |
$100,000 |
19.24 |
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|
|
|
0.75% |
$10,000 |
3.92 |
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|
|
|
0.75% |
$10,000 |
8.17 |
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|
|
|
0.75% |
$10,000 |
7.23 |
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|
|
|
0.70% |
$10,000 |
22.33 |
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|
|
|
0.70% |
$10,000 |
19.24 |
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|
|
|
0.68% |
$10,000 |
9.13 |
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|
|
|
0.65% |
$10,000 |
22.33 |
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|
|
|
0.65% |
$10,000 |
3.92 |
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|
|
|
0.64% |
$100,000 |
22.33 |
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|
|
|
0.60% |
$10,000 |
9.33 |
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|
|
|
0.60% |
$10,000 |
22.33 |
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|
|
|
0.60% |
$10,000 |
7.63 |
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|
|
|
BLONDEDOG | Jan 12, 2023 Everything will be fine until you have a problem with a charge. I have been disputing an unauthorized charge for nine months without any resolution. I haven't been presented any evidence in that time that ... Read More |
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0.60% |
$100,000 |
22.94 |
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|
|
0.60% |
$250 |
10.17 |
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|
|
|
0.60% |
$10,000 |
20.53 |
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|
|
|
0.60% |
$10,000 |
15.50 |
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|
|
|
0.55% |
$10,000 |
10.35 |
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|
|
|
0.55% |
$10,000 |
22.33 |
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|
|
|
0.55% |
$10,000 |
3.92 |
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|
|
|
0.55% |
$10,000 |
21.14 |
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|
|
|
0.50% |
$10,000 |
22.33 |
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|
|
|
0.50% |
$10,000 |
22.94 |
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|
|
|
0.50% |
$10,000 |
21.80 |
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|
|
|
0.50% |
$10,000 |
20.53 |
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|
|
|
0.50% |
$500 |
17.04 |
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|
|
|
0.48% |
$10,000 |
20.53 |
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|
|
|
0.45% |
$10,000 |
4.51 |
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|
|
|
0.45% |
$10,000 |
22.33 |
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|
|
|
0.44% |
$10,000 |
20.53 |
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|
|
|
0.40% |
$100,000 |
22.33 |
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|
|
|
0.35% |
$10,000 |
11.65 |
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|
|
|
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 |
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|
0.35% |
$10,000 |
22.33 |
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|
|
|
0.30% |
$10,000 |
11.57 |
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|
|
|
Matthew | Dec 3, 2020 Premier Bank stole my first HSA. The bank claims to have reached out to me before doing this, even though they had my correct and current phone number on file, but after some time of not using the mone... Read More |
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|
0.30% |
$10,000 |
22.33 |
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|
|
|
0.25% |
$10,000 |
23.11 |
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|
|
|
evelyne k. sak | May 24, 2016 SIR: I WOULD LIKE TO OPEN AN ONLINE ACCOUNT WITH YOUR BANK IN MN!!! COULD YOU HELP ME WITH THAT??? MY EMAIL ADDRESS IS: tepysutsak@gmail.com. THANK YOU Read More |
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|
0.25% |
$10,000 |
15.49 |
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|
|
|
0.15% |
$10,000 |
14.58 |
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|
|
|
0.15% |
$10,000 |
22.33 |
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|
|
|
0.03% |
$100,000 |
7.20 |
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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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|
0.01% |
$10,000 |
6.81 |
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|
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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.
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