Best 4-Year CD Rates in Butte-Silver Bow, Montana, MT

You are viewing rates from banks across Butte-Silver Bow

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

Butte-Silver Bow, MT - August 2, 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
First Security Bank of Deer Lodge First Security Bank Of Deer Lodge Branch	1.50%	$10,000	-	Learn More Add Review
The First State Bank of Malta The First State Bank Of Malta Branch	1.20%	$10,000	-	Learn More Add Review
Merchants Bank Fairview Bank Branch	1.10%	$10,000	-	Learn More Add Review
Citizens Alliance Bank First Bank Of Lincoln Branch	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)
Valley Bank of Kalispell Valley Bank Of Kalispell Branch	1.00%	$10,000	-	Learn More Add Review
Three Rivers Bank of Montana Three Rivers Bank Of Montana Branch	1.00%	$10,000	-	Learn More Add Review
American Bank Center Community First Bank Of Glendive Bra Branch	1.00%	$10,000	-	Learn More
Boyd \| Nov 26, 2023 What is Bravera swift code Read More Reviews (1)
First Security Bank of Helena First Security Bank Of Helena Branch	1.00%	$10,000	-	Learn More Add Review
Madison Valley Bank First Madison Valley Bank Branch	1.00%	$10,000	-	Learn More Add Review
Manhattan Bank Manhattan Bank Branch	0.95%	$10,000	-	Learn More Add Review
Bank of The Rockies Bank Of The Rockies, National Association Branch	0.95%	$10,000	-	Learn More Add Review
Bank of The Rockies Bank Of The Rockies, National Association Branch	0.85%	$10,000	-	Learn More Add Review
The Yellowstone Bank 544 Pike Avenue Branch	0.85%	$10,000	-	Learn More Add Review
Summit National Bank Ekalaka Branch	0.85%	$10,000	-	Learn More Add Review
Bank of The Rockies Bank Of The Rockies, National Association Branch	0.80%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	0.80%	$10,000	-	Learn More Add Review
Bank of Bozeman Bank Of Bozeman Branch	0.80%	$10,000	-	Learn More Add Review
First Montana Bank, Inc. First Montana Bank, Inc. Branch	0.77%	$10,000	-	Learn More
Mollyt \| Jul 13, 2022 Your online banking is not work is there something wrong with the website the is the second time. I g Could not loc.on Read More Reviews (1)
American Bank Livingston Branch	0.70%	$500	-	Learn More Add Review
Opportunity Bank of Montana Twin Bridges Branch	0.70%	$10,000	-	Learn More Add Review
The Bank of Commerce Dillon Branch	0.60%	$10,000	-	Learn More Add Review
Native American Bank, National Association Main Office Branch	0.55%	$100,000	-	Learn More Add Review
Native American Bank, National Association Main Office Branch	0.50%	$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
Glacier Bank Ronan Branch	0.50%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
TrailWest Bank Ravalli Main Office Branch	0.40%	$10,000	-	Learn More Add Review
Valley Bank of Ronan Lake County Bank Branch	0.40%	$10,000	-	Learn More Add Review
Glacier Bank Ronan Branch	0.40%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
First Interstate Bank Polson Branch	0.30%	$10,000	-	Learn More
kmills \| Nov 15, 2019 If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... Read More Reviews (2)
Eagle Bank Eagle Bank 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
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
U.S. Bank National Association Butte Branch	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)
Glacier Bank Ronan Branch	0.07%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)

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
First Security Bank of Deer Lodge First Security Bank Of Deer Lodge Branch	311 Milwaukee Avenue	Deer Lodge	MT
The First State Bank of Malta The First State Bank Of Malta Branch	1 South 1st Street East	Malta	MT
Merchants Bank Fairview Bank Branch	216 South Ellery Avenue	Fairview	MT
Citizens Alliance Bank First Bank Of Lincoln Branch	503 Main Street	Lincoln	MT
Valley Bank of Kalispell Valley Bank Of Kalispell Branch	41 3rd Street West	Kalispell	MT
Three Rivers Bank of Montana Three Rivers Bank Of Montana Branch	233 East Idaho	Kalispell	MT
Bravera Bank Community First Bank Of Glendive Bra Branch	319 North Merrill Avenue	Glendive	MT
Ascent Bank First Security Bank Of Helena Branch	1721 11th Avenue	Helena	MT
Madison Valley Bank First Madison Valley Bank Branch	213 East Main	Ennis	MT
Manhattan Bank Manhattan Bank Branch	124 South Broadway	Manhattan	MT
Bank of The Rockies Bank Of The Rockies, National Association Branch	205 West Main Street	White Sulphur Springs	MT
Bank of The Rockies Bank Of The Rockies, National Association Branch	205 West Main Street	White Sulphur Springs	MT
The Yellowstone Bank 544 Pike Avenue Branch	544 Pike Avenue	Columbus	MT
Summit National Bank Ekalaka Branch	307 North Main Street	Ekalaka	MT
Bank of The Rockies Bank Of The Rockies, National Association Branch	205 West Main Street	White Sulphur Springs	MT
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	130 Mcleod Street	Big Timber	MT
Bank of Bozeman Bank Of Bozeman Branch	875 Harmon Stream Boulevard	Bozeman	MT
First Montana Bank, Inc. First Montana Bank, Inc. Branch	201 North Higgins Avenue	Missoula	MT
American Bank Livingston Branch	120 North 2nd Street	Livingston	MT
Opportunity Bank of Montana Twin Bridges Branch	107 South Main Street	Twin Bridges	MT
The Bank of Commerce Dillon Branch	110 South Idaho Street	Dillon	MT
Native American Bank, National Association Main Office Branch	125 North Public Square	Browning	MT
Native American Bank, National Association Main Office Branch	125 North Public Square	Browning	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT
TrailWest Bank Ravalli Main Office Branch	244 West Pinckney	Hamilton	MT
Valley Bank of Ronan Lake County Bank Branch	102 Crystal Street	Saint Ignatius	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT
First Interstate Bank Polson Branch	Main Street	Polson	MT
Eagle Bank Eagle Bank Branch	80 Heritage Lane	Polson	MT
U.S. Bank National Association Butte Branch	10 South Main Street	Butte	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT

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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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Butte-Silver Bow, Montana 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

SAVINGS & CD CALCULATOR

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