Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Pacific
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.
Pacific, MO - September 7, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.90% |
$10,000 |
- |
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Early Withdrawal Penalty is 365 days interest. |
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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 |
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3.75% |
$25,000 |
- |
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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2.75% |
$500 |
- |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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2.75% |
$5,000 |
- |
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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 |
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1.26% |
$10,000 |
14.34 |
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1.26% |
$100,000 |
23.92 |
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1.20% |
$10,000 |
15.25 |
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Al | Sep 26, 2016 I think the specials have ended. can you double check? Read More |
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1.16% |
$10,000 |
23.92 |
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1.15% |
$10,000 |
1.46 |
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1.15% |
$100,000 |
16.20 |
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1.05% |
$10,000 |
16.20 |
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1.01% |
$1,000 |
20.13 |
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1.01% |
$1,000 |
17.43 |
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1.00% |
$1,000 |
18.52 |
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Rate History: 0.15% → 1.35% → 4.00% → 1.35% → 1.00% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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1.00% |
$10,000 |
24.55 |
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1.00% |
$10,000 |
24.05 |
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1.00% |
$10,000 |
16.72 |
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0.90% |
$10,000 |
22.19 |
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0.90% |
$10,000 |
15.46 |
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0.90% |
$10,000 |
20.32 |
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0.85% |
$10,000 |
21.01 |
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0.85% |
$10,000 |
15.52 |
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Mikki9678 | Nov 3, 2021 If anyone is considering using Midland States Bank for estate or trust planning and administration, I’d urge you to be careful and do your due diligence. I’ll first say that I am a CPA with experience ... Read More |
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0.85% |
$10,000 |
22.07 |
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0.80% |
$10,000 |
24.24 |
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Richard | Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More |
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0.80% |
$10,000 |
14.90 |
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.80% |
$10,000 |
23.12 |
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0.80% |
$10,000 |
15.16 |
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0.75% |
$10,000 |
18.54 |
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Fredbird | Aug 30, 2017 Excellent bank with a friendly helpful staff Read More |
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0.61% |
$10,000 |
5.75 |
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0.60% |
$10,000 |
24.24 |
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Richard | Jul 8, 2020 This rate is wrong I called the bank they do not have this rate cash cow needs to do a better job updating these rates this is not the first time Read More |
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0.60% |
$250 |
20.71 |
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0.55% |
$10,000 |
18.56 |
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Pdrake12 | Jul 6, 2021 The staff at Midwest BankCentre is exceptional at making you feel like you belong to an institution much higher than simply a place to keep your money and bank. They really focus on making you feel like f... Read More |
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0.50% |
$1,000 |
- |
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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 |
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0.50% |
$1,000 |
14.44 |
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0.50% |
$10,000 |
13.98 |
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0.50% |
$100,000 |
15.07 |
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.45% |
$1,000 |
15.33 |
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0.45% |
$10,000 |
23.83 |
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0.45% |
$10,000 |
15.07 |
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me | Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More |
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0.30% |
$10,000 |
19.51 |
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.25% |
$10,000 |
- |
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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 |
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0.25% |
$10,000 |
24.00 |
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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.20% |
$10,000 |
21.29 |
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0.15% |
$10,000 |
15.52 |
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0.15% |
$500 |
15.46 |
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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 |
24.39 |
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Rate History: 0.03% → 0.05% |
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0.03% |
$25,000 |
16.02 |
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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 |
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0.03% |
$100,000 |
23.97 |
Learn More
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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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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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