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Image Courtesy: pixabay.com
You are viewing rates from banks across Osage Beach
Below are four-year CD Rates from banks in Missouri . 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.
Osage Beach, MO - July 8, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.05% |
$5,000 |
0.28 |
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Rate History: 3.50% → 4.00% → 4.15% → 4.05% |
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Richard | Jun 10, 2021 I bank at this bank and they have the best people working there They all have a lot of knowledge and most all have been there a long time they do a great job and have the highest CD rates around Read More |
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1.11% |
$2,500 |
24.71 |
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1.10% |
$10,000 |
19.12 |
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J D | Jun 12, 2024 I entrusted my Life Savings to this bank and they closed my accounts because I asked an honest question about an overcharge I noticed in my statement records. I mistakenly believed I could ask a simple ... Read More |
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0.95% |
$10,000 |
23.56 |
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0.80% |
$10,000 |
22.49 |
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0.55% |
$100,000 |
14.08 |
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0.50% |
$1,000 |
14.08 |
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0.50% |
$1,000 |
5.03 |
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0.40% |
$10,000 |
22.70 |
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0.15% |
$500 |
22.84 |
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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 |
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0.05% 0.01% |
$2,501 $2,500 |
15.91 |
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Rate History: 0.03% → 0.05% |
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| Branch | Street | City | State |
|---|---|---|---|
|
First Bank of the Lake First Bank Of The Lake Branch |
4558 Osage Beach Parkway Suite 100 | Osage Beach | MO |
|
Bank of Crocker Richland Branch |
502 Washington | Richland | MO |
|
Oakstar Bank Macks Creek Branch |
14469 West Us Highway 54 | Macks Creek | MO |
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The Maries County Bank Richland Branch |
102 North Pine | Richland | MO |
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Community Point Bank Eugene Branch |
14112 Redfield Drive | Eugene | MO |
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The Central Trust Bank Tuscumbia Facility Branch |
Missouri 52 Highway And High Street | Tuscumbia | MO |
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The Central Trust Bank Tuscumbia Facility Branch |
Missouri 52 Highway And High Street | Tuscumbia | MO |
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SULLIVAN BANK Sunrise Beach Branch |
13932 North Missouri Highway 5 | Sunrise Beach | MO |
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The Bank of Versailles The Bank Of Versailles Branch |
113 East Newton Street | Versailles | MO |
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U.S. Bank National Association Versailles Branch |
401 West Newton Street | Versailles | MO |
|
Regions Bank Eldon Branch |
2 South Maple Street | Eldon | MO |
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Regions Bank Eldon Branch |
2 South Maple Street | Eldon | MO |
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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