Best 4-Year CD Rates in Maplewood, Minnesota, MN

You are viewing rates from banks across Maplewood

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.

Maplewood, MN - September 20, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
VisionBank	3.50%	$1,000	-	Learn More Add Review
Rate History: 3.30% → 3.50%
AMERIPRISE BANK, FSB	2.90%	$0	-	Learn More Add Review
Rate History: 3.05% → 3.00% → 2.45% → 3.00% → 2.90%
Bremer Bank, National Association	2.75% 2.60%	$25,000 $10,000	-	Learn More Add Review
Profinium, Inc.	2.63%	$500	-	Learn More Add Review
Hometown Community Bank	1.75%	$10,000	-	Learn More Add Review
First Independent Bank	1.72%	$1,000	-	Learn More Add Review
Lowry State Bank	1.72%	$10,000	-	Learn More Add Review
Wadena State Bank	1.66%	$10,000	-	Learn More
Jane T \| Dec 4, 2020 Very easy to do business with, low mortgage interest rates without all the fees that other Banks charge. No games or hidden costs, just good service. Read More Reviews (1)
First National Bank	1.51%	$10,000	-	Learn More Add Review
Center National Bank	1.50%	$500	-	Learn More Add Review
Concorde Bank	1.46%	$500	-	Learn More Add Review
Glenwood State Bank (Incorporated)	1.41%	$100,000	-	Learn More Add Review
Security State Bank of Aitkin	1.36%	$10,000	-	Learn More Add Review
PrinsBank	1.36%	$10,000	-	Learn More
lloyde mille3r \| Mar 29, 2017 my ira Read More Reviews (1)
Falcon National Bank	1.31%	$100,000	-	Learn More Add Review
The First National Bank of Osakis	1.31%	$100,000	-	Learn More Add Review
Citizens Bank & Trust Co.	1.31%	$10,000	-	Learn More Add Review
Bonanza Valley State Bank	1.30%	$500	-	Learn More Add Review
Park State Bank	1.27%	$10,000	-	Learn More Add Review
First Community Bank	1.26%	$25,000	-	Learn More Add Review
Northview Bank	1.26%	$100,000	-	Learn More Add Review
First Bank Elk River	1.26%	$10,000	-	Learn More Add Review
Farmers & Merchants Savings Bank	1.26%	$100,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Security Bank USA	1.26%	$100,000	-	Learn More Add Review
BankVista	1.26%	$1,000	-	Learn More Add Review
Rate History: 1.25% → 1.26%
The First National Bank of Osakis	1.26%	$10,000	-	Learn More Add Review
Mid-Central Federal Savings Bank	1.26%	$10,000	-	Learn More Add Review
American National Bank of Minnesota	1.25%	$10,000	-	Learn More Add Review
VIKING BANK, NATIONAL ASSOCIATION	1.25%	$10,000	-	Learn More Add Review
United Minnesota Bank	1.25%	$10,000	-	Learn More Add Review
Granite Falls Bank	1.25%	$10,000	-	Learn More Add Review
Drake Bank	1.25%	$10,000	-	Learn More Add Review
Neighborhood National Bank	1.21%	$1,000	-	Learn More Add Review
Northview Bank	1.21%	$10,000	-	Learn More Add Review
Glenwood State Bank (Incorporated)	1.21%	$10,000	-	Learn More Add Review
Platinum Bank	1.20%	$100,000	-	Learn More Add Review
First State Bank of Grove City	1.20%	$10,000	-	Learn More Add Review
The First National Bank of Bemidji	1.16%	$100,000	-	Learn More Add Review
Star Bank	1.16%	$10,000	-	Learn More Add Review
BANKWEST	1.16%	$2,000	-	Learn More Add Review
Community Development Bank, FSB	1.15%	$10,000	-	Learn More Add Review
Heritage Bank National Association	1.15%	$2,000	-	Learn More
Rate History: 0.24% → 0.26% → 1.15%
WPT \| Nov 2, 2020 Got the account opened after weeks and finally got it funded and then they dropped the rate the next day and it is no longer competitive. Read More Reviews (14)
First Citizens Bank	1.10%	$100,000	-	Learn More Add Review
Cornerstone State Bank	1.10%	$75,000	-	Learn More Add Review
Midwest Bank	1.10%	$100,000	-	Learn More Add Review
Security Bank USA	1.10%	$10,000	-	Learn More Add Review
KodaBank	1.10%	$100,000	-	Learn More Add Review
Bank Forward	1.10%	$10,000	-	Learn More Add Review
HomeTown Bank	1.10%	$10,000	-	Learn More Add Review
First National Bank North	1.10%	$500	-	Learn More Add Review
Manufacturers Bank & Trust Company	1.10%	$100,000	-	Learn More Add Review
Security State Bank of Kenyon	1.10%	$10,000	-	Learn More Add Review
Harvest Bank	1.10%	$100,000	-	Learn More Add Review
Lake Region Bank	1.10%	$10,000	-	Learn More Add Review
Riverland Bank	1.10%	$10,000	-	Learn More Add Review
Randall State Bank	1.06%	$1	-	Learn More Add Review
Woodland Bank	1.05%	$500	-	Learn More Add Review
Currie State Bank	1.05%	$500	-	Learn More Add Review
Farmers & Merchants Savings Bank	1.05%	$10,000	-	Learn More
Steve \| Feb 4, 2021 Yes Read More Reviews (1)
Falcon National Bank	1.05%	$10,000	-	Learn More Add Review
The First National Bank of Bagley	1.05%	$25,000	-	Learn More Add Review
The First National Bank of Bemidji	1.05%	$10,000	-	Learn More Add Review
Citizens Alliance Bank	1.05%	$10,000	-	Learn More
Worst banking experience ever \| Jan 28, 2024 This is by far the worst banking experience I have ever had. They fail to understand the simple concept that you are the customer and that they are providing a service for you. They consistently slapped qu... Read More Reviews (1)
North American Banking Company	1.05%	$100,000	-	Learn More Add Review
Adrian State Bank	1.05%	$1,000	-	Learn More Add Review
First State Bank of Sauk Centre	1.00%	$25,000	-	Learn More Add Review
American State Bank of Grygla	1.00%	$500	-	Learn More Add Review
State Bank of New Richland	1.00%	$50,000	-	Learn More Add Review
First Community Bank	1.00%	$5,000	-	Learn More Add Review
The First National Bank of Le Center	1.00%	$2,500	-	Learn More Add Review
Farmers State Bank of Hoffman	1.00%	$1,000	-	Learn More Add Review
Pine River State Bank	1.00%	$10,000	-	Learn More Add Review
United Community Bank	1.00%	$10,000	-	Learn More Add Review
Pine Country Bank	1.00%	$10,000	-	Learn More Add Review
Ultima Bank Minnesota	1.00%	$10,000	-	Learn More Add Review
Dacotah Bank	1.00%	$10,000	-	Learn More Add Review
Pioneer Bank	1.00%	$500	-	Learn More Add Review
St. Clair State Bank (Incorporated)	1.00%	$10,000	-	Learn More Add Review
Farmers and Merchants State Bank of Alpha	1.00%	$10,000	-	Learn More Add Review
Heritage Bank Minnesota	1.00%	$10,000	-	Learn More Add Review
Foresight Bank	1.00%	$100,000	-	Learn More Add Review
Produce State Bank	1.00%	$10,000	-	Learn More Add Review
Security State Bank of Wanamingo	1.00%	$10,000	-	Learn More Add Review
ESB Bank	1.00%	$10,000	-	Learn More Add Review
Harvest Bank	1.00%	$10,000	-	Learn More Add Review
State Bank of Cold Spring	1.00%	$10,000	-	Learn More Add Review
Community Bank Owatonna	1.00%	$10,000	-	Learn More Add Review
Peoples State Bank of Plainview	1.00%	$100,000	-	Learn More Add Review
Odin State Bank	1.00%	$10,000	-	Learn More Add Review
The Bank of Elk River	0.95%	$200	-	Learn More Add Review
First Security Bank	0.95%	$500	-	Learn More Add Review
First Citizens Bank	0.95%	$10,000	-	Learn More Add Review
Valley Premier Bank	0.95%	$500	-	Learn More Add Review
Midwest Bank	0.95%	$10,000	-	Learn More Add Review
Think Mutual Bank	0.95%	$100,000	-	Learn More Add Review
American Equity Bank	0.95%	$10,000	-	Learn More Add Review
Peoples State Bank of Wells	0.95%	$10,000	-	Learn More Add Review
State Bank of Danvers	0.95%	$10,000	-	Learn More Add Review
Northern State Bank of Virginia	0.95%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview	0.95%	$10,000	-	Learn More Add Review
First State Bank of Sauk Centre	0.90%	$10,000	-	Learn More Add Review
Lake Country Community Bank	0.90%	$1,000	-	Learn More Add Review
The First National Bank of Cokato	0.90%	$1,000	-	Learn More Add Review
Village Bank	0.90%	$10,000	-	Learn More Add Review
Red River State Bank	0.90%	$1,000	-	Learn More Add Review
Gate City Bank	0.90%	$10,000	-	Learn More Add Review
First International Bank & Trust	0.90%	$10,000	-	Learn More Add Review
The First National Bank of Bagley	0.90%	$10,000	-	Learn More Add Review
Deerwood Bank	0.90%	$10,000	-	Learn More Add Review
KodaBank	0.90%	$10,000	-	Learn More Add Review
Security State Bank	0.90%	$10,000	-	Learn More Add Review
Gateway Bank	0.90%	$10,000	-	Learn More Add Review
Choice Financial Group	0.90%	$100,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
Foresight Bank	0.90%	$10,000	-	Learn More Add Review
Platinum Bank	0.90%	$10,000	-	Learn More Add Review
First State Bank of Le Center	0.90%	$10,000	-	Learn More Add Review
Vergas State Bank	0.90%	$10,000	-	Learn More Add Review
Northern State Bank of Virginia	0.90%	$10,000	-	Learn More Add Review
Sentry Bank	0.90%	$10,000	-	Learn More Add Review
Liberty Bank Minnesota	0.85%	$500	-	Learn More Add Review
CorTrust Bank National Association	0.85%	$10,000	-	Learn More Add Review
North American Banking Company	0.85%	$10,000	-	Learn More Add Review
Think Mutual Bank	0.85%	$10,000	-	Learn More Add Review
ONB Bank	0.85%	$2,500	-	Learn More Add Review
Root River State Bank	0.85%	$10,000	-	Learn More Add Review
First State Bank of Fountain	0.85%	$10,000	-	Learn More Add Review
Community Resource Bank	0.85%	$100,000	-	Learn More Add Review
Grand Rapids State Bank	0.85%	$10,000	-	Learn More Add Review
American Heritage National Bank	0.85%	$10,000	-	Learn More Add Review
WNB FINANCIAL, N.A.	0.85%	$10,000	-	Learn More Add Review
Tradition Capital Bank	0.80%	$100	-	Learn More Add Review
State Bank of New Richland	0.80%	$10,000	-	Learn More Add Review
Cornerstone State Bank	0.80%	$500	-	Learn More Add Review
Northeast Bank	0.80%	$10,000	-	Learn More Add Review
Choice Financial Group	0.80%	$10,000	-	Learn More
tankeranch1@outlook.com \| Jan 4, 2020 3 Read More Reviews (1)
West Bank	0.80%	$100,000	-	Learn More Add Review
Manufacturers Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
F & M Community Bank, National Association	0.80%	$100,000	-	Learn More Add Review
First Bank Blue Earth	0.80%	$10,000	-	Learn More Add Review
Community Resource Bank	0.80%	$10,000	-	Learn More Add Review
First Western Bank & Trust	0.80%	$10,000	-	Learn More Add Review
Citizens State Bank of Roseau	0.80%	$10,000	-	Learn More Add Review
State Bank of Fairmont	0.80%	$10,000	-	Learn More Add Review
Farmers State Bank of Trimont	0.80%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.80%	$100,000	-	Learn More Add Review
Janesville State Bank	0.80%	$25,000	-	Learn More Add Review
Americana Community Bank	0.78%	$500	-	Learn More Add Review
Minnesota National Bank	0.76%	$100,000	-	Learn More Add Review
First Farmers & Merchants National Bank	0.75%	$1,000	-	Learn More Add Review
Citizens State Bank of Waverly, Inc.	0.75%	$1,000	-	Learn More Add Review
The Northern State Bank of Gonvick	0.75%	$100,000	-	Learn More Add Review
MidCountry Bank	0.75%	$100,000	-	Learn More Add Review
First National Bank	0.75%	$10,000	-	Learn More Add Review
Sunrise Banks, National Association	0.75%	$10,000	-	Learn More Add Review
First State Bank Minnesota	0.75%	$10,000	-	Learn More Add Review
Security Bank Minnesota	0.75%	$100,000	-	Learn More Add Review
Farmers State Bank of Hartland	0.75%	$10,000	-	Learn More Add Review
Bridgewater Bank	0.75%	$10,000	-	Learn More Add Review
The First National Bank of Coleraine	0.75%	$10,000	-	Learn More Add Review
Marshall County State Bank	0.75%	$100,000	-	Learn More Add Review
State Bank of Taunton	0.75%	$10,000	-	Learn More Add Review
Northern State Bank of Thief River Falls	0.75%	$100,000	-	Learn More Add Review
ProGrowth Bank	0.72%	$100,000	-	Learn More Add Review
Arlington State Bank	0.70%	$10,000	-	Learn More Add Review
First Minnetonka City Bank	0.70%	$1,000	-	Learn More Add Review
First National Bank Minnesota	0.70%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Bank Midwest	0.70%	$10,000	-	Learn More Add Review
MidCountry Bank	0.70%	$10,000	-	Learn More Add Review
F & M Community Bank, National Association	0.70%	$10,000	-	Learn More Add Review
Security Bank Minnesota	0.70%	$10,000	-	Learn More Add Review
Welcome State Bank	0.70%	$10,000	-	Learn More Add Review
First Farmers & Merchants State Bank of Grand Meadow	0.70%	$10,000	-	Learn More Add Review
Minnesota National Bank	0.70%	$10,000	-	Learn More Add Review
Janesville State Bank	0.70%	$500	-	Learn More Add Review
Americana Community Bank	0.68%	$10,000	-	Learn More Add Review
Citizens State Bank Norwood Young America	0.65%	$10,000	-	Learn More Add Review
Security State Bank of Marine	0.65%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.65%	$10,000	-	Learn More Add Review
Castle Rock Bank	0.65%	$10,000	-	Learn More Add Review
Kensington Bank	0.65%	$1,000	-	Learn More Add Review
First National Bank	0.65%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.64%	$100,000	-	Learn More Add Review
ProGrowth Bank	0.64%	$10,000	-	Learn More Add Review
The First National Bank of Fairfax	0.60%	$1,000	-	Learn More Add Review
Woodlands National Bank	0.60%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.60%	$10,000	-	Learn More Add Review
First Bank & Trust	0.60%	$10,000	-	Learn More
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 Reviews (2)
First Resource Bank	0.60%	$100,000	-	Learn More Add Review
American Federal Bank	0.60%	$100,000	-	Learn More Add Review
First State Bank and Trust	0.60%	$10,000	-	Learn More Add Review
Home Federal Savings Bank	0.60%	$100,000	-	Learn More Add Review
Prime Security Bank	0.60%	$10,000	-	Learn More Add Review
West Bank	0.60%	$10,000	-	Learn More Add Review
Great Southern Bank	0.60%	$250	-	Learn More Add Review
Merchants Bank, National Association	0.60%	$10,000	-	Learn More Add Review
North Star Bank	0.60%	$10,000	-	Learn More Add Review
Lake Elmo Bank	0.60%	$25,000	-	Learn More Add Review
National Bank of Commerce	0.55%	$100,000	-	Learn More Add Review
RiverWood Bank	0.55%	$10,000	-	Learn More Add Review
The Northern State Bank of Gonvick	0.55%	$10,000	-	Learn More Add Review
Citizens Community Federal National Association	0.55%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.55%	$10,000	-	Learn More Add Review
First National Bank	0.55%	$10,000	-	Learn More Add Review
Highland Bank	0.55%	$10,000	-	Learn More Add Review
Marshall County State Bank	0.55%	$10,000	-	Learn More Add Review
Perennial Bank	0.55%	$10,000	-	Learn More Add Review
Northern State Bank of Thief River Falls	0.55%	$10,000	-	Learn More Add Review
National Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.50%	$10,000	-	Learn More Add Review
First Resource Bank	0.50%	$10,000	-	Learn More Add Review
MidWestOne Bank	0.50%	$10,000	-	Learn More Add Review
American Federal Bank	0.50%	$10,000	-	Learn More Add Review
First Security Bank - Sleepy Eye	0.50%	$10,000	-	Learn More Add Review
Merchants Bank, National Association	0.50%	$10,000	-	Learn More Add Review
The First State Bank of Red Wing	0.50%	$10,000	-	Learn More Add Review
New Market Bank	0.50%	$500	-	Learn More Add Review
Security State Bank of Hibbing	0.50%	$75,000	-	Learn More Add Review
North Shore Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
Lake Elmo Bank	0.50%	$1,000	-	Learn More Add Review
Merchants Bank, National Association	0.48%	$10,000	-	Learn More Add Review
First Farmers & Merchants State Bank	0.45%	$1,000	-	Learn More Add Review
BNC National Bank	0.45%	$10,000	-	Learn More Add Review
United Prairie Bank	0.45%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.45%	$10,000	-	Learn More Add Review
The State Bank of Faribault	0.45%	$10,000	-	Learn More Add Review
Merchants Bank, National Association	0.44%	$10,000	-	Learn More Add Review
United Prairie Bank	0.40%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.40%	$100,000	-	Learn More Add Review
Security State Bank of Hibbing	0.40%	$1,000	-	Learn More Add Review
Old National Bank	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)
Frandsen Bank & Trust	0.35%	$10,000	-	Learn More Add Review
First Farmers & Merchants National Bank	0.35%	$10,000	-	Learn More Add Review
Premier Bank	0.30%	$10,000	-	Learn More
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 Reviews (2)
Home Federal Savings Bank	0.30%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.30%	$10,000	-	Learn More Add Review
Premier Bank Minnesota	0.25%	$10,000	-	Learn More
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 Reviews (1)
BankCherokee	0.25%	$10,000	-	Learn More Add Review
Sterling State Bank	0.15%	$10,000	-	Learn More Add Review
Frandsen Bank & Trust	0.15%	$10,000	-	Learn More Add Review
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)
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)
Associated Bank, National Association	0.01%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

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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Maplewood, Minnesota CD Rates – 4-Year

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

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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