Minnesota

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Robbinsdale, Minnesota CD Rates – 4-Year

You are viewing rates from banks across Robbinsdale

 

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.

Robbinsdale, MN - July 2, 2025

4 Year CD National Average : 0.82% ?

Banks APY MIN MILES ?

Rate History: 3.30% → 3.50%

Rate History: 1.25% → 1.26% → 2.75%

Rate History: 2.75% → 2.50%

Rate History: 3.00% → 2.90% → 2.75% → 2.70% → 2.50%

1.75%

$10,000

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1.72%

$10,000

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| 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

1.51%

$10,000

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1.46%

$500

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1.41%

$100,000

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1.36%

$10,000

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| Mar 29, 2017

my ira Read More

1.31%

$100,000

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1.31%

$100,000

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1.31%

$10,000

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1.30%

$500

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1.27%

$10,000

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1.26%

$25,000

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1.26%

$100,000

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1.26%

$10,000

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| Feb 4, 2021

Yes Read More

1.26%

$100,000

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1.26%

$10,000

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1.26%

$10,000

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1.25%

$10,000

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1.25%

$10,000

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Rate History: 1.50% → 1.25%

1.25%

$10,000

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1.25%

$10,000

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1.25%

$10,000

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1.21%

$1,000

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1.21%

$10,000

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1.21%

$10,000

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1.20%

$100,000

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1.20%

$10,000

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1.16%

$100,000

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1.16%

$10,000

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Rate History: 0.24% → 0.26% → 1.15%

| 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

1.10%

$100,000

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1.10%

$75,000

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1.10%

$100,000

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1.10%

$10,000

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1.10%

$100,000

-

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1.10%

$10,000

-

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1.10%

$10,000

-

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1.10%

$500

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1.10%

$100,000

-

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1.10%

$10,000

-

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1.10%

$100,000

-

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1.10%

$10,000

-

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1.10%

$10,000

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1.06%

$1

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1.05%

$500

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1.05%

$500

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| Feb 4, 2021

Yes Read More

1.05%

$10,000

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1.05%

$25,000

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1.05%

$10,000

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| 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

1.05%

$100,000

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1.05%

$1,000

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1.00%

$500

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1.00%

$50,000

-

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1.00%

$5,000

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1.00%

$2,500

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1.00%

$1,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

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1.00%

$10,000

-

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1.00%

$500

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1.00%

$10,000

-

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1.00%

$10,000

-

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1.00%

$10,000

-

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1.00%

$100,000

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1.00%

$10,000

-

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1.00%

$10,000

-

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1.00%

$10,000

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1.00%

$10,000

-

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1.00%

$10,000

-

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1.00%

$10,000

-

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1.00%

$100,000

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1.00%

$10,000

-

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0.95%

$200

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0.95%

$500

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0.95%

$10,000

-

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0.95%

$500

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0.95%

$10,000

-

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0.95%

$100,000

-

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0.95%

$10,000

-

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0.95%

$10,000

-

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0.95%

$100,000

-

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0.95%

$10,000

-

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0.90%

$1,000

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0.90%

$1,000

-

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0.90%

$10,000

-

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0.90%

$1,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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| Jan 4, 2020

3 Read More

0.90%

$10,000

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0.90%

$10,000

-

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0.90%

$10,000

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.85%

$500

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0.85%

$10,000

-

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0.85%

$10,000

-

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0.85%

$10,000

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0.85%

$2,500

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0.85%

$10,000

-

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0.85%

$10,000

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0.85%

$100,000

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0.85%

$10,000

-

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0.85%

$10,000

-

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0.85%

$10,000

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0.80%

$100

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0.80%

$10,000

-

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0.80%

$500

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0.80%

$10,000

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| Jan 4, 2020

3 Read More

0.80%

$100,000

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0.80%

$10,000

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0.80%

$100,000

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0.80%

$10,000

-

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0.80%

$10,000

-

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0.80%

$10,000

-

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0.80%

$10,000

-

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0.80%

$10,000

-

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0.80%

$10,000

-

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0.80%

$100,000

-

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0.80%

$25,000

-

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0.78%

$500

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0.76%

$100,000

-

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0.75%

$1,000

-

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0.75%

$1,000

-

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0.75%

$100,000

-

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0.75%

$100,000

-

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0.75%

$10,000

-

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0.75%

$10,000

-

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0.75%

$10,000

-

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0.75%

$100,000

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0.75%

$10,000

-

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0.75%

$10,000

-

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0.75%

$10,000

-

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0.75%

$100,000

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0.75%

$10,000

-

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0.75%

$100,000

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0.72%

$100,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.70%

$10,000

-

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0.70%

$10,000

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$10,000

-

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0.70%

$500

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0.68%

$10,000

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$10,000

-

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0.65%

$1,000

-

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0.65%

$10,000

-

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0.64%

$100,000

-

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0.64%

$10,000

-

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0.60%

$1,000

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0.60%

$10,000

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0.60%

$10,000

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| 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

0.60%

$100,000

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0.60%

$100,000

-

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0.60%

$10,000

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0.60%

$10,000

-

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0.60%

$250

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0.60%

$10,000

-

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0.60%

$10,000

-

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0.60%

$25,000

-

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0.55%

$100,000

-

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.55%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$10,000

-

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0.50%

$500

-

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0.50%

$75,000

-

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0.50%

$10,000

-

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0.50%

$1,000

-

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0.48%

$10,000

-

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0.45%

$1,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.44%

$10,000

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0.40%

$10,000

-

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0.40%

$100,000

-

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0.40%

$1,000

-

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| 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

0.35%

$10,000

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0.35%

$10,000

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| 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

0.30%

$10,000

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| 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

0.25%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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| 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

| 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

0.01%

$10,000

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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
VisionBank
Visionbank Branch
4725 Highway 7 Saint Louis Park MN
BankVista
Bankvista Mankato Branch
1501 Adams Street Mankato MN
Profinium, Inc.
Profinium, Inc. Branch
414 North Fifth Avenue East Truman MN
Bremer Bank, National Association
Princeton Branch
202 South Rum River Dr Princeton MN
Ameriprise Bank, FSB
Ameriprise National Trust Bank Branch
901 3rd Avenue South Minneapolis MN
Bremer Bank, National Association
Princeton Branch
202 South Rum River Dr Princeton MN
Hometown Community Bank
Hometown Community Bank Branch
100 East Main Street Cyrus MN
First Independent Bank
First Independent Bank Branch
300 Front Street Russell MN
Lowry State Bank
Lowry State Bank Branch
400 Florence Avenue Lowry MN
Wadena State Bank
Wadena State Bank Branch
304 1st Street, Southeast Wadena MN
First National Bank
First National Bank Branch
101 West Lake Street Chisholm MN
Concorde Bank
Concorde Bank Branch
16 S.W. Main Street Blomkest MN
Glenwood State Bank (Incorporated)
Glenwood State Bank (Incorporated) Branch
5 East Minnesota Street Glenwood MN
Security State Bank of Aitkin
Security State Bank Of Aitkin Branch
402 Minnesota Avenue North Aitkin MN
PrinsBank
Prinsbank Branch
508 Third Street Prinsburg MN
Falcon National Bank
Falcon National Bank Branch
183 Cedar Drive Foley MN
The First National Bank of Osakis
The First National Bank Of Osakis Branch
211-213 Central Avenue Osakis MN
Citizens Bank & Trust Co.
Citizens Bank & Trust Co. Branch
102 Main Street South Hutchinson MN
Bonanza Valley State Bank
Bonanza Valley State Bank Branch
First Street And Central Avenue Brooten MN
Park State Bank
Park State Bank Branch
2630 West Superior Street Duluth MN
First Community Bank
First Community Bank Branch
500 Central Avenue Lester Prairie MN
Northview Bank
State Bank Of Park Rapids Branch
200 East 1st Street Park Rapids MN
First Bank Elk River
The First National Bank Of Elk River Branch
812 Main Street Elk River MN
Farmers & Merchants Savings Bank
Lino Lakes Branch
7641 Lake Drive Lino Lakes MN
Security Bank USA
Security Bank Usa Branch
1025 Paul Bunyan Drive, N.W. Bemidji MN
The First National Bank of Osakis
The First National Bank Of Osakis Branch
211-213 Central Avenue Osakis MN
Mid-Central National Bank
Mid-Central Federal Savings Bank Branch
520 South Jefferson St Wadena MN
American National Bank of Minnesota
American National Bank Of Minnesota Branch
2000 Woida Road North Baxter MN
VIKING BANK, NATIONAL ASSOCIATION
Viking Bank Branch
4277 Dakota Street Alexandria MN
Center National Bank
Center National Bank Branch
301 North Ramsey Avenue Litchfield MN
United Minnesota Bank
United Minnesota Bank Branch
105 Central Avenue New London MN
FM Bank
Granite Falls Bank Branch
702 Prentice Street Granite Falls MN
Drake Bank
Drake Bank Branch
60 Plato Boulevard, Suite 100 Saint Paul MN
Neighborhood National Bank
Neighborhood National Bank Branch
45 North Union Street Mora MN
Northview Bank
State Bank Of Park Rapids Branch
200 East 1st Street Park Rapids MN
Glenwood State Bank (Incorporated)
Glenwood State Bank (Incorporated) Branch
5 East Minnesota Street Glenwood MN
Platinum Bank
Platinum Bank Branch
7667 10th Street North Oakdale MN
Grove Bank
First State Bank Of Grove City Branch
110 Atlantic Avenue West Grove City MN
The First National Bank of Bemidji
The First National Bank Of Bemidji Branch
1600 Paul Bunyan Dr Bemidji MN
Star Bank
Star Bank Branch
100 State Highway 55 East Maple Lake MN
BANKWEST
Bankwest Branch
5921 Main Street Rockford MN
Heritage Bank National Association
Raymond Branch
202 Cofield North Raymond MN
First Citizens Bank
Mora Branch
730 Forest Ave. E Mora MN
Cornerstone State Bank
Madison Lake Branch
500 Main Street Madison Lake MN
Midwest Bank
Parkers Prairie Branch
105 East Soo Street Parkers Prairie MN
Security Bank USA
Security Bank Usa Branch
1025 Paul Bunyan Drive, N.W. Bemidji MN
KodaBank
Stephen Branch
398 Pacific Avenue Stephen MN
Bank Forward
Walker Branch
106 6th Street South Walker MN
HomeTown Bank
St. Peter Branch
102 South Third Street St. Peter MN
First National Bank North
Baxter Branch
14521 Edgewood Drive Baxter MN
Manufacturers Bank & Trust Company
Rochester Branch
2020 2nd Street Sw Rochester MN
Security State Bank of Kenyon
Security State Bank Of Kenyon Branch
602 Second Street Kenyon MN
Harvest Bank
Atwater Branch
222 Atlantic Avenue Atwater MN
Lake Region Bank
Lake Region Bank Branch
51 Main Street New London MN
Riverland Bank
Riverland Bank Branch
700 Seville Drive Jordan MN
Randall State Bank
Randall State Bank Branch
307 Pacific Avenue Randall MN
Woodland Bank
Woodland Bank Branch
217 Main Avenue East Deer River MN
Currie State Bank
Okabena Br Branch
117 S Minnesota Okabena MN
Farmers & Merchants Savings Bank
Lino Lakes Branch
7641 Lake Drive Lino Lakes MN
Falcon National Bank
Falcon National Bank Branch
183 Cedar Drive Foley MN
The First National Bank of Bagley
The First National Bank Of Bagley Branch
31 Central Street East Bagley MN
The First National Bank of Bemidji
The First National Bank Of Bemidji Branch
1600 Paul Bunyan Dr Bemidji MN
Citizens Alliance Bank
Citizens Alliance Bank Branch
55 First Street Northwest Clara City MN
North American Banking Company
North American Banking Company Branch
2230 Albert Street Roseville MN
Adrian State Bank
Adrian State Bank Branch
322 Maine Avenue Adrian MN
American State Bank of Grygla
Erskine Br Branch
201 Vance Avenue Erskine MN
State Bank of New Richland
State Bank Of New Richland Branch
103 North Broadway New Richland MN
First Community Bank
First Community Bank Branch
500 Central Avenue Lester Prairie MN
The First National Bank of Le Center
The First National Bank Of Le Center Branch
10 West Minnesota Street Le Center MN
Farmers State Bank of Hoffman
Farmers State Bank Of Hoffman Branch
103 Main Ave W Hoffman MN
Pine River State Bank
Pine River State Bank Branch
103 Mill Street Pine River MN
United Community Bank
Dent Branch
101 1st Ave N Dent MN
Pine Country Bank
Pine Country Bank Branch
1201 1st Avenue Ne Little Falls MN
Ultima Bank Minnesota
Ultima Bank Minnesota Branch
9 W Minnesota Ave Winger MN
Dacotah Bank
Dacotah Bank Morris Branch
4 Atlantic Avenue Morris MN
Pioneer Bank
Pioneer Bank Branch
109 East Willis Street Elmore MN
St. Clair State Bank (Incorporated)
St. Clair State Bank (Incorporated) Branch
100 Main St. West Saint Clair MN
Farmers and Merchants State Bank of Alpha
Farmers And Merchants State Bank Of Branch
210 North Main Street Alpha MN
Heritage Bank Minnesota
Farmers State Bank Of West Concord Branch
181 Main Street West Concord MN
Foresight Bank
Foresight Bank Branch
138 West Broadway Plainview MN
Produce State Bank
Albert Lea Bridge Avenue Branch
2401 Bridge Avenue Albert Lea MN
Security State Bank of Wanamingo
Security State Bank Of Wanamingo Branch
232 Main Street Wanamingo MN
ESB Bank
Esb Bank Branch
115 North Highway 44/76 Caledonia MN
Harvest Bank
Atwater Branch
222 Atlantic Avenue Atwater MN
State Bank of Cold Spring
State Bank Of Cold Spring Branch
401 Main Street Cold Spring MN
Community Bank Owatonna
Community Bank Owatonna Branch
640 Bridge Street Owatonna MN
Peoples State Bank of Plainview
Peoples State Bank Of Plainview Branch
100 4th Avenue S.E. Plainview MN
Odin State Bank
Odin State Bank Branch
101 East Main Street Odin MN
The Bank of Elk River
The Bank Of Elk River Branch
630 Main Street Elk River MN
First Security Bank
First Security Bank Branch
316 Byron Avenue, North Byron MN
First Citizens Bank
Mora Branch
730 Forest Ave. E Mora MN
Valley Premier Bank
Valley Premier Bank Branch
416 Sixth Street Hawley MN
Midwest Bank
Parkers Prairie Branch
105 East Soo Street Parkers Prairie MN
Think Mutual Bank
Think Mutual Bank Branch
5200 Members Parkway, Nw Rochester MN
Luminate Bank
Equity Bank Branch
5900 Green Oak Drive Minnetonka MN
Peoples State Bank of Wells
Peoples State Bank Of Wells Branch
98 3rd Street Se Wells MN
Northern State Bank of Virginia
Northern State Bank Of Virginia Branch
600 Chestnut Street Virginia MN
Peoples State Bank of Plainview
Peoples State Bank Of Plainview Branch
100 4th Avenue S.E. Plainview MN
Lake Country Community Bank
Lake Country Community Bank Branch
111 Division Street Morristown MN
The First National Bank of Cokato
The First National Bank Of Cokato Branch
365 Broadway Avenue South Cokato MN
Village Bank
Village Bank Branch
3350 Bridge Street Saint Francis MN
Red River State Bank
Fertile Branch
114 Mill Street North Fertile MN
Gate City Bank
Moorhead Branch
2929 20th Street South Moorhead MN
First International Bank & Trust
Staples Branch
111 N.E. Fourth Street Staples MN
The First National Bank of Bagley
The First National Bank Of Bagley Branch
31 Central Street East Bagley MN
Deerwood Bank
Deerwood Bank Branch
21236 Archibald Road Deerwood MN
KodaBank
Stephen Branch
398 Pacific Avenue Stephen MN
Security Bank Midwest
Heron Lake Br Branch
274 10th Street Heron Lake MN
Gateway Bank
Gateway Bank Branch
745 Market Street Mendota Heights MN
Choice Financial Group
Choice Financial Savings Bank Branch
101 Brown Street West Comfrey MN
Foresight Bank
Foresight Bank Branch
138 West Broadway Plainview MN
Platinum Bank
Platinum Bank Branch
7667 10th Street North Oakdale MN
First State Bank of Le Center
First State Bank Of Le Center Branch
88 North Park Avenue Le Center MN
Vergas State Bank
Vergas State Bank Branch
106 East Main Street Vergas MN
Northern State Bank of Virginia
Northern State Bank Of Virginia Branch
600 Chestnut Street Virginia MN
Sentry Bank
Sentry Bank Branch
400 4th Avenue Ne Saint Joseph MN
Liberty Bank Minnesota
Liberty Bank Minnesota Branch
111 7th Ave S Ste 101 Saint Cloud MN
CorTrust Bank National Association
Blaine State Bank Branch
10107 University Avenue, N.E. Blaine MN
North American Banking Company
North American Banking Company Branch
2230 Albert Street Roseville MN
Think Mutual Bank
Think Mutual Bank Branch
5200 Members Parkway, Nw Rochester MN
Eagle Rock Bank
Olmsted National Bank Branch
975 34th Avenue Nw Rochester MN
Root River State Bank
Root River State Bank Branch
18 3rd Street, S. E. Chatfield MN
First State Bank of Fountain
First State Bank Of Fountain Branch
101 Main Street Fountain MN
Community Resource Bank
Community Resource Bank Branch
1605 Heritage Drive Northfield MN
Grand Rapids State Bank
Grand Rapids State Bank Branch
523 Nw 1st Avenue Grand Rapids MN
American Heritage National Bank
American Heritage National Bank Branch
24 2nd Street South Long Prairie MN
WNB FINANCIAL, N.A.
Winona National Bank Branch
204 Main Street Winona MN
Tradition Capital Bank
Tradition Capital Bank Branch
7601 France Avenue South, Suite 140 Edina MN
State Bank of New Richland
State Bank Of New Richland Branch
103 North Broadway New Richland MN
Cornerstone State Bank
Madison Lake Branch
500 Main Street Madison Lake MN
Northeast Bank
Northeast Bank Branch
77 Broadway Street, N.E. Minneapolis MN
Choice Financial Group
Choice Financial Savings Bank Branch
101 Brown Street West Comfrey MN
West Bank
Rochester Branch
2188 Superior Drive Nw Rochester MN
Manufacturers Bank & Trust Company
Rochester Branch
2020 2nd Street Sw Rochester MN
F & M Community Bank, National Association
F & M Community Bank, National Association Branch
100 St. Anthony Street North Preston MN
First Bank Blue Earth
First Bank Blue Earth Branch
306 South Main Street Blue Earth MN
Community Resource Bank
Community Resource Bank Branch
1605 Heritage Drive Northfield MN
First Western Bank & Trust
Eden Prairie Branch
100 Prairie Center Drive Eden Prairie MN
Citizens State Bank of Roseau
Citizens State Bank Of Roseau Branch
118 Main Avenue South Roseau MN
State Bank of Fairmont
State Bank Of Fairmont Branch
918 East Blue Earth Avenue Fairmont MN
Farmers State Bank of Trimont
Farmers State Bank Of Trimont Branch
220 Main Street West Trimont MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
Janesville State Bank
Janesville State Bank Branch
201 N Main Street Janesville MN
Americana Community Bank
Americana Community Bank Branch
300 Main Street West Sleepy Eye MN
Minnesota National Bank
Minnesota National Bank Branch
Main And Sinclair Lewis Sauk Centre MN
First Farmers & Merchants National Bank
First Farmers & Merchants National B Branch
114 South Park Fairmont MN
Citizens State Bank of Waverly, Inc.
Citizens State Bank Of Waverly, Inc. Branch
609 Pacific Avenue Waverly MN
The Northern State Bank of Gonvick
The Northern State Bank Of Gonvick Branch
283 Main Street Gonvick MN
MidCountry Bank
Hutchinson Branch
201 Main St S Hutchinson MN
First National Bank
Hastings Branch
1400 Frontage Road North Hastings MN
Sunrise Banks, National Association
Como Branch
2300 Como Avenue Saint Paul MN
First State Bank Minnesota
First State Bank Minnesota Branch
102 W. Main Street Le Roy MN
Security Bank Minnesota
Alden Branch
195 North Broadway Alden MN
Arcadian Bank
Farmers State Bank Of Hartland Branch
601 N. Broadway Hartland MN
Bridgewater Bank
Navarre Branch
2445 Shadywood Road Navarre MN
The First National Bank of Coleraine
The First National Bank Of Coleraine Branch
423 Roosevelt Street Coleraine MN
Marshall County State Bank
Marshall County State Bank Branch
118 East Minnesota Avenue Newfolden MN
State Bank of Taunton
State Bank Of Taunton Branch
101 N. Main St. Taunton MN
Northern State Bank of Thief River Falls
Northern State Bank Of Thief River F Branch
201 East Third Street Thief River Falls MN
ProGrowth Bank
ProGrowth Bank - Gaylord Branch
320 Main Street, PO Box 266 Gaylord MN
Arlington State Bank
Arlington State Bank Branch
230 West Main Street Arlington MN
First National Bank Minnesota
First National Bank Minnesota Branch
226 West Nassau Street St. Peter MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
Bank Midwest
Jackson Branch
509 Third Street Jackson MN
MidCountry Bank
Hutchinson Branch
201 Main St S Hutchinson MN
F & M Community Bank, National Association
F & M Community Bank, National Association Branch
100 St. Anthony Street North Preston MN
Security Bank Minnesota
Alden Branch
195 North Broadway Alden MN
Welcome State Bank
Welcome State Bank Branch
111 Guide Street North Welcome MN
First Farmers & Merchants State Bank of Grand Meadow
First Farmers & Merchants State Bank Branch
105 North Main Street Grand Meadow MN
Minnesota National Bank
Minnesota National Bank Branch
Main And Sinclair Lewis Sauk Centre MN
Janesville State Bank
Janesville State Bank Branch
201 N Main Street Janesville MN
Americana Community Bank
Americana Community Bank Branch
300 Main Street West Sleepy Eye MN
Citizens State Bank Norwood Young America
Citizens State Bank Norwood Young Am Branch
409 Faxon Road Norwood Young America MN
Security State Bank of Marine
Security State Bank Of Marine Branch
120 Judd Street Marine On St. Croix MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
Castle Rock Bank
Castle Rock Bank Branch
27925 Danville Avenue Castle Rock MN
Kensington Bank
Kensington Bank Branch
11 North Central Ave. Kensington MN
First National Bank
Hastings Branch
1400 Frontage Road North Hastings MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
ProGrowth Bank
ProGrowth Bank - Gaylord Branch
320 Main Street, PO Box 266 Gaylord MN
The First National Bank of Fairfax
The First National Bank Of Fairfax Branch
16 S.E. First Ave Fairfax MN
Woodlands National Bank
Woodlands National Bank Branch
122 Main Street Hinckley MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
First Bank & Trust
First Bank & Trust Association Banch Branch
101 Second Street, N.W. Pipestone MN
First Resource Bank
First Resource Bank Branch
7449 Village Drive Lino Lakes MN
American Federal Bank
Hallock Branch
157 South Second Street Hallock MN
First State Bank and Trust
First State Bank And Trust Branch
950 North Highway 95 Bayport MN
West Bank
Rochester Branch
2188 Superior Drive Nw Rochester MN
Great Southern Bank
Great Southern Bank Branch
7685 Zachary Lane Maple Grove MN
Merchants Bank, National Association
Hampton Branch
23280 Main Street Hampton MN
North Star Bank
North Star Bank Branch
1820 North Lexington Avenue Roseville MN
Lake Elmo Bank
Lake Elmo Bank Branch
11465 39th Street North Lake Elmo MN
National Bank of Commerce
Duluth Branch
1314 East Superior Street Duluth MN
The Northern State Bank of Gonvick
The Northern State Bank Of Gonvick Branch
283 Main Street Gonvick MN
Citizens Community Federal National Association
Minnesota Lake Branch
104 Main Street Minnesota Lake MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
First National Bank
Hastings Branch
1400 Frontage Road North Hastings MN
Highland Bank
Highland Bank Branch
701 Central Avenue East Saint Michael MN
Marshall County State Bank
Marshall County State Bank Branch
118 East Minnesota Avenue Newfolden MN
Perennial Bank
Perennial Bank Branch
318 N 1st Street Darwin MN
Northern State Bank of Thief River Falls
Northern State Bank Of Thief River F Branch
201 East Third Street Thief River Falls MN
National Bank of Commerce
Duluth Branch
1314 East Superior Street Duluth MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
First Resource Bank
First Resource Bank Branch
7449 Village Drive Lino Lakes MN
MidWestOne Bank
Forest Lake - Branch 48
1650 South Lake Street Forest Lake MN
American Federal Bank
Hallock Branch
157 South Second Street Hallock MN
First Security Bank - Sleepy Eye
Benson Branch
215 13th Street, South Benson MN
Merchants Bank, National Association
Hampton Branch
23280 Main Street Hampton MN
The First State Bank of Red Wing
The First State Bank Of Red Wing Branch
3209 South Service Drive Red Wing MN
New Market Bank
New Market Bank Branch
461 Main Street Elko New Market MN
Security State Bank of Hibbing
Security State Bank Of Hibbing Branch
701 East Howard Street Hibbing MN
North Shore Bank of Commerce
North Shore Bank Of Commerce Branch
131 West Superior Street Duluth MN
Lake Elmo Bank
Lake Elmo Bank Branch
11465 39th Street North Lake Elmo MN
Merchants Bank, National Association
Hampton Branch
23280 Main Street Hampton MN
First Farmers & Merchants State Bank
First Farmers & Merchants State Bank Branch
106 W Main St Brownsdale MN
BNC National Bank
Bnc Minneapolis Branch
650 Douglas Drive Golden Valley MN
United Prairie Bank
United Prairie Bank - Owatonna Branc Branch
110 West Rose Street Owatonna MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
The State Bank of Faribault
The State Bank Of Faribault Branch
428 Central Avenue Faribault MN
Merchants Bank, National Association
Hampton Branch
23280 Main Street Hampton MN
United Prairie Bank
United Prairie Bank - Owatonna Branc Branch
110 West Rose Street Owatonna MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
Security State Bank of Hibbing
Security State Bank Of Hibbing Branch
701 East Howard Street Hibbing MN
Old National Bank
Farmington Branch
324 Oak Street Farmington MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
First Farmers & Merchants National Bank
First Farmers & Merchants National B Branch
303 East Main Street Luverne MN
Premier Bank
Premier Bank Branch
2866 White Bear Avenue Maplewood MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
Premier Bank Minnesota
Premier Bank Minnesota Branch
316 Oak Street Farmington MN
BankCherokee
Bankcherokee Branch
607 South Smith Avenue Saint Paul MN
Sterling State Bank
Sterling State Bank Branch
1419 1st Avenue Southwest Austin MN
Frandsen Bank & Trust
Clinton State Bank Branch
Main St. & Ushy 75 Clinton MN
U.S. Bank National Association
University Of Minnesota Branch
718 Washington Avenue, S.E. Minneapolis MN
Bank of America, National Association
Bank Of America, National Association Branch
80 S 8th St. Suite 3500 Minneapolis MN
Associated Bank, National Association
Red Wing Branch
222 Bush Street Red Wing MN


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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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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