Best 4-Year CD Rates in D'Iberville, Mississippi, MS

You are viewing rates from banks across D'Iberville

Below are four-year CD Rates from banks in Mississippi . 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.

D'Iberville, MS - August 1, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
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 Reviews (2)
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
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
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	1.30%	$500	-	Learn More
Rate History: 1.00% → 1.30% → 1.40% → 1.30%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Planters Bank & Trust Company Planters Bank & Trust Company Branch	1.26%	$2,500	-	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	1.21%	$100,000	-	Learn More Add Review
Grand Bank for Savings, FSB Grand Bank For Savings, Fsb Branch	1.20%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	1.16%	$10,000	-	Learn More Add Review
First Financial Bank Senatobia Branch	1.16%	$10,000	-	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	1.06%	$10,000	-	Learn More Add Review
Magnolia State Bank Magnolia State Bank Branch	0.90%	$1,000	-	Learn More Add Review
Bank of Commerce Bank Of Commerce Branch	0.90%	$10,000	-	Learn More Add Review
FIRST COMMERCIAL BANK First Commercial Bank Branch	0.90%	$10,000	-	Learn More Add Review
The Jefferson Bank The Jefferson Bank Branch	0.90%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company Wilkinson County Branch	0.90%	$100,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.85%	$100,000	-	Learn More Add Review
First State Bank Leakesville Branch	0.85%	$100,000	-	Learn More Add Review
First National Bank of Clarksdale First National Bank Of Clarksdale Branch	0.80%	$10,000	-	Learn More Add Review
Commerce Bank Commerce Bank Branch	0.80%	$10,000	-	Learn More Add Review
First National Bank of Picayune First National Bank Of Picayune Branch	0.80%	$10,000	-	Learn More Add Review
Bank of Yazoo City Bank Of Yazoo City Branch	0.75%	$500	-	Learn More Add Review
CB&S Bank, Inc. Clarksdale Main Branch	0.75%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
The Peoples Bank The Peoples Bank Branch	0.75%	$10,000	-	Learn More Add Review
United Mississippi Bank Woodville Downtown Office Branch	0.75%	$10,000	-	Learn More Add Review
First Bank First Bank Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Kilmichael Bank Of Kilmichael Branch	0.75%	$10,000	-	Learn More
DPB3633 \| Dec 17, 2021 What is a bank ACH number? Read More Reviews (1)
Bank of Winona Bank Of Winona Branch	0.75%	$10,000	-	Learn More Add Review
Home Bank, National Association Britton & Koontz Br Branch	0.75%	$10,000	-	Learn More Add Review
First State Bank Leakesville Branch	0.75%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.75%	$100,000	-	Learn More Add Review
Concordia Bank & Trust Company Wilkinson County Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of Holly Springs The Bank Of Holly Springs Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Okolona Bank Of Okolona Branch	0.70%	$10,000	-	Learn More Add Review
First State Bank Leakesville Branch	0.65%	$100,000	-	Learn More Add Review
Merchants and Planters Bank Merchants And Planters Bank Branch	0.65%	$10,000	-	Learn More Add Review
Pike National Bank Pike National Bank Branch	0.65%	$500	-	Learn More Add Review
First Southern Bank First Southern Bank Branch	0.65%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank Farmers And Merchants Bank Branch	0.60%	$10,000	-	Learn More Add Review
Peoples Bank Peoples Bank Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.60%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	0.58%	$100,000	-	Learn More Add Review
First State Bank Leakesville Branch	0.55%	$10,000	-	Learn More Add Review
BNA Bank Bna Bank Branch	0.55%	$10,000	-	Learn More Add Review
The Citizens Bank of Philadelphia, Mississippi Sebastopol Branch	0.55%	$10,000	-	Learn More Add Review
Great Southern Bank Great Southern Bank Branch	0.55%	$10,000	-	Learn More Add Review
Covington County Bank Covington County Bank Branch	0.55%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	0.53%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
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
Community Spirit Bank Belmont Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank of Mississippi Indianola Branch	0.50%	$10,000	-	Learn More Add Review
Holmes County Bank & Trust Company Holmes County Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
The Commercial Bank The Commercial Bank Branch	0.50%	$10,000	-	Learn More Add Review
The Bank of Forest The Bank Of Forest Branch	0.50%	$10,000	-	Learn More Add Review
PriorityOne Bank Collins Main Branch	0.50%	$10,000	-	Learn More
Archie \| Feb 8, 2017 25000 Read More Reviews (1)
Merchants & Marine Bank Merchants & Marine Bank Branch	0.50%	$10,000	-	Learn More Add Review
Century Bank Century Bank Branch	0.50%	$10,000	-	Learn More Add Review
Richton Bank & Trust Company Richton Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
BankPlus Tchula Branch	0.45%	$1,000	-	Learn More Add Review
First Security Bank Crenshaw Branch	0.45%	$100,000	-	Learn More Add Review
The Peoples Bank, Biloxi, Mississippi The Peoples Bank, Biloxi, Mississippi Branch	0.45%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.45%	$1,000	-	Learn More Add Review
First Security Bank Crenshaw Branch	0.40%	$10,000	-	Learn More Add Review
Southern Bancorp Bank Ruleville Branch	0.40%	$10,000	-	Learn More Add Review
Amory Federal Savings and Loan Association Amory Federal Savings And Loan Assoc Branch	0.35%	$10,000	-	Learn More
Juanita Orsborn \| Mar 28, 2015 Can we make the mortgage payment on line? Read More Reviews (1)
BankFirst Financial Services Bankfirst Financial Services Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
Renasant Bank Durant Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
The Citizens National Bank of Meridian The Citizens National Bank Of Meridi Branch	0.25%	$10,000	-	Learn More Add Review
Origin Bank Origin Bank Branch	0.25%	$10,000	-	Learn More
Ralph \| Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More Reviews (1)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
Regions Bank Oxford Main Courthouse Sqr Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%

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 10007

Branch	Street	City	State
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Planters Bank & Trust Company Planters Bank & Trust Company Branch	212 Catchings Street	Indianola	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
Grand Bank for Savings, FSB Grand Bank For Savings, Fsb Branch	204 Westover Drive	Hattiesburg	MS
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	239 East Main St	Marks	MS
First Financial Bank Senatobia Branch	700 N Robinson St	Senatobia	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
Magnolia State Bank Magnolia State Bank Branch	28 Highway 528	Bay Springs	MS
Bank of Commerce Bank Of Commerce Branch	310 Howard Street	Greenwood	MS
FIRST COMMERCIAL BANK First Commercial Bank Branch	1300 Meadowbrook Road	Jackson	MS
The Jefferson Bank The Jefferson Bank Branch	3008 East Reed Road	Greenville	MS
Concordia Bank & Trust Company Wilkinson County Branch	498 Main Street	Woodville	MS
The Peoples Bank The Peoples Bank Branch	305 East Jefferson	Ripley	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
First National Bank of Clarksdale First National Bank Of Clarksdale Branch	402 East Second Street	Clarksdale	MS
Commerce Bank Commerce Bank Branch	306 South Cass Street	Corinth	MS
FNB Picayune Bank First National Bank Of Picayune Branch	121 East Canal Street	Picayune	MS
Bank of Yazoo City Bank Of Yazoo City Branch	104 North Main Street	Yazoo City	MS
CB&S Bank, Inc. Clarksdale Main Branch	301 John Lee Hooker Lane	Clarksdale	MS
The Peoples Bank The Peoples Bank Branch	305 East Jefferson	Ripley	MS
United Mississippi Bank Woodville Downtown Office Branch	142 Royal Oak Street	Woodville	MS
First Bank First Bank Branch	105 South Broadway Street	Mccomb	MS
Bank of Kilmichael Bank Of Kilmichael Branch	120 North Depot Avenue	Kilmichael	MS
Bank of Winona Bank Of Winona Branch	312 North Applegate	Winona	MS
Home Bank, National Association Britton & Koontz Br Branch	500 Main Street	Natchez	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	903 Jackson Ave	Pascagoula	MS
Concordia Bank & Trust Company Wilkinson County Branch	498 Main Street	Woodville	MS
Bank of Holly Springs The Bank Of Holly Springs Branch	114 S Memphis St	Holly Springs	MS
BankOkolona Bank Of Okolona Branch	227 West Main Street	Okolona	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
Pike National Bank Pike National Bank Branch	350 Rawls Drive	Mccomb	MS
First Southern Bank First Southern Bank Branch	1075 Highway 98	Columbia	MS
Farmers and Merchants Bank Farmers And Merchants Bank Branch	111 West Clayton Street	Baldwyn	MS
Peoples Bank Peoples Bank Branch	154 Maud Avenue	Mendenhall	MS
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	903 Jackson Ave	Pascagoula	MS
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	210 N. Hayden St	Belzoni	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
BNA Bank Bna Bank Branch	205 Bankhead Street	New Albany	MS
The Citizens Bank of Philadelphia, Mississippi Sebastopol Branch	24 Pine Street	Sebastopol	MS
Great Southern Bank Great Southern Bank Branch	218 22nd Avenue South	Meridian	MS
Covington County Bank Covington County Bank Branch	102 S Dogwood Ave	Collins	MS
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	210 N. Hayden St	Belzoni	MS
Community Spirit Bank Belmont Branch	342 Second Street	Belmont	MS
Community Bank of Mississippi Indianola Branch	147 Highway 82	Indianola	MS
Holmes County Bank Holmes County Bank & Trust Company Branch	316 Court Square	Lexington	MS
The Commercial Bank The Commercial Bank Branch	175 Hopper Avenue	De Kalb	MS
The Bank of Forest The Bank Of Forest Branch	211 West Third Street	Forest	MS
PriorityOne Bank Collins Main Branch	215 Main Street	Collins	MS
Merchants & Marine Bank Merchants & Marine Bank Branch	3118 Pascagoula Street	Pascagoula	MS
Century Bank Century Bank Branch	4282 Main Street	Lucedale	MS
Richton Bank & Trust Company Richton Bank & Trust Company Branch	114 South Front Street	Richton	MS
BankPlus Tchula Branch	206 Main Street	Tchula	MS
First Security Bank Crenshaw Branch	729 Broad Street	Crenshaw	MS
The Peoples Bank, Biloxi, Mississippi The Peoples Bank, Biloxi, Mississippi Branch	Lameuse And Howard Avenues	Biloxi	MS
Citizens Bank Citizens Bank Branch	814 Main Street	Columbia	MS
First Security Bank Crenshaw Branch	729 Broad Street	Crenshaw	MS
Southern Bancorp Bank Ruleville Branch	117 West Floyce Street	Ruleville	MS
Amory Federal Savings and Loan Association Amory Federal Savings And Loan Assoc Branch	213 2nd Ave N	Amory	MS
BankFirst Financial Services Bankfirst Financial Services Branch	900 Main Street	Columbus	MS
Renasant Bank Durant Branch	381 Nw Depot St	Durant	MS
The Citizens National Bank of Meridian The Citizens National Bank Of Meridi Branch	512 22nd Avenue	Meridian	MS
Origin Bank Origin Bank Branch	775 Lake Harbour Drive, Suite A	Ridgeland	MS
Regions Bank Oxford Main Courthouse Sqr Branch	158 Court House Square	Oxford	MS
Regions Bank Oxford Main Courthouse Sqr Branch	158 Court House Square	Oxford	MS

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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.

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D'Iberville, Mississippi CD Rates – 4-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

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