Best 4-Year CD Rates in Ralston, Nebraska, NE

You are viewing rates from banks across Ralston

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

Ralston, NE - 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	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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)
Commercial State Bank Commercial State Bank Branch	3.26%	$1,000	-	Learn More Add Review
Rate History: 3.25% → 3.50% → 3.26%
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
Union Bank and Trust Company Pawnee City Branch	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Bank of Dixon County 412 Main Street Branch	1.56%	$10,000	-	Learn More Add Review
Citizens State Bank Belden Branch	1.51%	$10,000	-	Learn More Add Review
Henderson State Bank Henderson State Bank Branch	1.50%	$10,000	-	Learn More Add Review
Farmers and Merchants Bank Farmers And Merchants Bank Branch	1.41%	$500	-	Learn More Add Review
Security Bank The Coleridge National Bank Branch	1.37%	$10,000	-	Learn More Add Review
Bank of the Valley Farmers State Branch	1.36%	$10,000	-	Learn More Add Review
Foundation One Bank Foundation One Bank Branch	1.31%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	1.31%	$10,000	-	Learn More Add Review
Elkhorn Valley Bank & Trust First Nebraska Bank Of Wayne Branch	1.30%	$10,000	-	Learn More Add Review
Pinnacle Bank - Wyoming Mitchell Branch	1.26%	$10,000	-	Learn More Add Review
Brunswick State Bank Brunswick State Bank Branch	1.26%	$1,000	-	Learn More Add Review
Dundee Bank Dundee Branch	1.25%	$500	-	Learn More Add Review
Western Nebraska Bank Western Nebraska Bank Branch	1.21%	$10,000	-	Learn More Add Review
Bank of Hartington Bank Of Hartington Branch	1.21%	$10,000	-	Learn More Add Review
Home Federal Savings and Loan Association of Grand Island Home Federal Savings And Loan Associ Branch	1.20%	$10,000	-	Learn More Add Review
Tri Valley Bank Tri Valley Bank Branch	1.16%	$10,000	-	Learn More Add Review
Farmers State Bank Spencer Branch	1.15%	$10,000	-	Learn More Add Review
Madison County Bank Albion Branch	1.15%	$10,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.15%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Pinnacle Bank Beatrice Branch	1.15%	$10,000	-	Learn More Add Review
Scribner Bank Scribner Bank Branch	1.15%	$100,000	-	Learn More Add Review
Cedar Security Bank Cedar Security Bank Branch	1.11%	$1,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	1.10%	$10,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.10%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	1.10%	$100,000	-	Learn More Add Review
Exchange Bank Exchange Bank Branch	1.10%	$10,000	-	Learn More Add Review
Adams County Bank Adams County Bank Branch	1.10%	$100,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
Countryside Bank Countryside Bank Branch	1.06%	$10,000	-	Learn More Add Review
Cedar Rapids State Bank Cedar Rapids State Bank Branch	1.05%	$1,000	-	Learn More Add Review
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	1.05%	$1,000	-	Learn More Add Review
Bank of Elgin Bank Of Elgin Branch	1.05%	$10,000	-	Learn More Add Review
Cornerstone Bank Polk Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Clarks Farmers State Bank Of Silver Creek B Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Prague Bank Of Prague Branch	1.05%	$10,000	-	Learn More Add Review
Bank of Bennington Bank Of Bennington Branch	1.05%	$10,000	-	Learn More Add Review
South Central State Bank Oxford Branch	1.05%	$10,000	-	Learn More Add Review
Genoa Community Bank Genoa Community Bank Branch	1.00%	$500	-	Learn More Add Review
First State Bank First State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Washington County Bank Washington County Bank Branch	1.00%	$10,000	-	Learn More Add Review
Lincoln FSB of Nebraska Lincoln Fsb Of Nebraska Branch	1.00%	$10,000	-	Learn More Add Review
Pathway Bank Pathway Bank Branch	1.00%	$100,000	-	Learn More Add Review
Platte Valley Bank Minatare Branch	1.00%	$10,000	-	Learn More Add Review
First Bank and Trust of Fullerton First Bank And Trust Of Fullerton Branch	1.00%	$10,000	-	Learn More Add Review
Homestead Bank St Paul Branch	1.00%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
FirstBank of Nebraska Firstbank Of Nebraska Branch	1.00%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc. First Westroads Bank, Inc. Branch	1.00%	$10,000	-	Learn More Add Review
First State Bank Farmers State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Five Points Bank Five Points Bank Branch	1.00%	$10,000	-	Learn More Add Review
City Bank & Trust Co. City Bank & Trust Co. Branch	1.00%	$100,000	-	Learn More Add Review
Nebraska Bank of Commerce Nebraska Bank Of Commerce Branch	1.00%	$10,000	-	Learn More Add Review
State Bank of Table Rock State Bank Of Table Rock, Dubois Branch	1.00%	$10,000	-	Learn More Add Review
Minden Exchange Bank & Trust Company Minden Exchange Bank & Trust Company Branch	1.00%	$500	-	Learn More Add Review
Adams County Bank Adams County Bank Branch	1.00%	$10,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
The Bank of Steinauer The Bank Of Steinauer Branch	1.00%	$10,000	-	Learn More Add Review
Town & Country Bank Town & Country Bank Branch	0.95%	$100,000	-	Learn More Add Review
Homestead Bank St Paul Branch	0.95%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
First State Bank Nebraska De Witt Branch	0.95%	$10,000	-	Learn More Add Review
JONES BANK The Jones National Bank And Trust Co Branch	0.95%	$10,000	-	Learn More Add Review
Enterprise Bank Enterprise Bank Branch	0.95%	$10,000	-	Learn More Add Review
Cattle Bank and Trust Cattle Bank And Trust Branch	0.95%	$10,000	-	Learn More Add Review
First Bank of Utica First Bank Of Utica Branch	0.95%	$10,000	-	Learn More Add Review
Cornhusker Bank Cornhusker Bank Branch	0.95%	$10,000	-	Learn More Add Review
City Bank & Trust Co. City Bank & Trust Co. Branch	0.95%	$10,000	-	Learn More Add Review
Commercial Bank Commercial Bank Branch	0.95%	$10,000	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	0.90%	$100,000	-	Learn More Add Review
The Hershey State Bank The Hershey State Bank Branch	0.90%	$100,000	-	Learn More Add Review
Custer Federal State Bank Custer Federal State Bank Branch	0.90%	$10,000	-	Learn More Add Review
First National Bank in Ord Greeley Cnb Community Branch	0.90%	$100,000	-	Learn More Add Review
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	0.90%	$10,000	-	Learn More Add Review
FirsTier Bank Firstier Bank Branch	0.90%	$10,000	-	Learn More Add Review
Scribner Bank Scribner Bank Branch	0.90%	$10,000	-	Learn More Add Review
Wahoo State Bank Wahoo State Bank Branch	0.90%	$10,000	-	Learn More Add Review
American Exchange Bank American Exchange Bank Branch	0.90%	$10,000	-	Learn More Add Review
MNB BANK Mccook National Bank Branch	0.90%	$10,000	-	Learn More Add Review
First State Bank 620 West Main Street Branch	0.90%	$100,000	-	Learn More Add Review
West Plains Bank West Plains Bank Branch	0.85%	$100,000	-	Learn More Add Review
First Nebraska Bank Emerson Branch	0.85%	$10,000	-	Learn More Add Review
The Hershey State Bank The Hershey State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Town & Country Bank Town & Country Bank Branch	0.85%	$10,000	-	Learn More Add Review
Platte Valley Bank Platte Valley Bank Branch	0.85%	$10,000	-	Learn More Add Review
United Republic Bank United Republic Bank Branch	0.85%	$10,000	-	Learn More Add Review
Western National Bank Western National Bank Branch	0.85%	$10,000	-	Learn More Add Review
Great Plains State Bank Great Plains State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Nebraska State Bank Nebraska State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Pathway Bank Pathway Bank Branch	0.80%	$10,000	-	Learn More Add Review
Heartland Bank Heartland Bank - Riverdale Branch	0.80%	$100,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	0.80%	$10,000	-	Learn More Add Review
Access Bank Bank Of Nebraska Branch	0.80%	$10,000	-	Learn More
Yusuf oluwashindara \| Sep 23, 2019 Access not. A good bank...whenever you save money to it their won't be any issue or problem but if you try to withdraw your money they will be telling you that you need to authorize.... Read More Reviews (1)
First Savings Bank Omaha Branch	0.80%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
First State Bank 620 West Main Street Branch	0.80%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.80%	$100,000	-	Learn More Add Review
West Plains Bank West Plains Bank Branch	0.75%	$10,000	-	Learn More Add Review
CHARTER WEST BANK Pender Branch	0.75%	$10,000	-	Learn More Add Review
Bruning Bank Bruning State Bank Branch	0.75%	$10,000	-	Learn More Add Review
Adams Bank & Trust Imperial Branch	0.75%	$10,000	-	Learn More Add Review
First National Bank in Ord Greeley Cnb Community Branch	0.75%	$10,000	-	Learn More Add Review
Heartland Bank Heartland Bank - Riverdale Branch	0.75%	$10,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
Pinnacle Bank Beatrice Branch	0.75%	$10,000	-	Learn More Add Review
West Gate Bank West Gate Bank Branch	0.75%	$10,000	-	Learn More Add Review
Stockmens Bank The State Bank Of Bartley Branch	0.75%	$10,000	-	Learn More Add Review
Tecumseh Federal Bank Tecumseh Federal Bank Branch	0.75%	$10,000	-	Learn More Add Review
Sandhills State Bank Bank Of Keystone Branch	0.70%	$500	-	Learn More Add Review
First Community Bank Bancroft Branch	0.70%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.70%	$100,000	-	Learn More Add Review
First Northeast Bank of Nebraska Hooper Branch	0.70%	$10,000	-	Learn More Add Review
York State Bank York State Bank Branch	0.70%	$100,000	-	Learn More Add Review
Waypoint Bank Cambridge Br Branch	0.65%	$10,000	-	Learn More Add Review
Midwest Bank National Association Creighton Branch	0.60%	$100,000	-	Learn More Add Review
Great Southern Bank Fort Calhoun Branch	0.60%	$250	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	0.60%	$10,000	-	Learn More Add Review
NebraskaLand National Bank Nebraskaland National Bank Branch	0.60%	$100,000	-	Learn More Add Review
York State Bank York State Bank Branch	0.60%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.60%	$10,000	-	Learn More Add Review
Arbor Bank Arbor Bank Branch	0.57%	$10,000	-	Learn More Add Review
Five Points Bank of Hastings Five Points Bank Of Hastings Branch	0.55%	$500	-	Learn More
Marie50 \| Feb 19, 2023 Does five point bank of Hastings cash a check through atm Read More Reviews (1)
Thayer County Bank Thayer County Bank Branch	0.55%	$100,000	-	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
Midwest Bank National Association Creighton Branch	0.50%	$10,000	-	Learn More Add Review
F&M Bank F&M Bank Branch	0.50%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company Nebraska State Bank And Trust Compan Branch	0.50%	$10,000	-	Learn More Add Review
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso Branch	0.50%	$10,000	-	Learn More Add Review
First State Bank & Trust Company First State Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	0.50%	$10,000	-	Learn More Add Review
Thayer County Bank Thayer County Bank Branch	0.45%	$10,000	-	Learn More Add Review
Astra Bank Sutton Branch	0.40%	$500	-	Learn More Add Review
NebraskaLand National Bank Nebraskaland National Bank Branch	0.40%	$10,000	-	Learn More Add Review
Pinnacle Bank Beatrice Branch	0.30%	$500	-	Learn More Add Review
Northwest Bank Arbor Street Branch	0.30%	$10,000	-	Learn More Add Review
UMB Bank, National Association Umb Bank, National Association Branch	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Central National Bank Superior Branch	0.27%	$50,000	-	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
Pinnacle Bank Beatrice Branch	0.25%	$10,000	-	Learn More Add Review
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
Heritage Bank Stromsburg Bank Branch	0.20%	$10,000	-	Learn More Add Review
Central National Bank Superior Branch	0.17%	$10,000	-	Learn More Add Review
U.S. Bank National Association David City 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)
First National Bank of Omaha Alliance Branch	0.12%	$500	-	Learn More Add Review
Frontier Bank Pender State Bank Branch	0.10%	$500	-	Learn More Add Review

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
Commercial State Bank Commercial State Bank Branch	519 East Broadway St	Wausa	NE
Union Bank and Trust Company Pawnee City Branch	514 G Street	Pawnee City	NE
Bank of Dixon County 412 Main Street Branch	412 Main Street	New Castle	NE
Citizens State Bank Belden Branch	114 Nebraska Street	Belden	NE
Henderson State Bank Henderson State Bank Branch	1040 North Main Street	Henderson	NE
Farmers and Merchants Bank Farmers And Merchants Bank Branch	501 Main St	Milligan	NE
Security Bank The Coleridge National Bank Branch	101 West Broadway	Coleridge	NE
Bank of the Valley Farmers State Branch	100 South 3rd Street	Humphrey	NE
Foundation One Bank Foundation One Bank Branch	23804 Cedar Drive	Waterloo	NE
Citizens State Bank Citizens State Bank Branch	209 3rd Street	Carleton	NE
Elkhorn Valley Bank & Trust First Nebraska Bank Of Wayne Branch	411 East 7th Street	Wayne	NE
Pinnacle Bank - Wyoming Mitchell Branch	1511 Broadway	Mitchell	NE
Brunswick State Bank Brunswick State Bank Branch	226 2nd St	Brunswick	NE
Dundee Bank Dundee Branch	5015 Underwood Avenue	Omaha	NE
Western Nebraska Bank Western Nebraska Bank Branch	301 Center Avenue	Curtis	NE
Bank of Hartington Bank Of Hartington Branch	229 North Broadway	Hartington	NE
Home Federal Savings and Loan Association of Grand Island Home Federal Savings And Loan Associ Branch	221 South Locust Street	Grand Island	NE
Riverstone Bank Tri Valley Bank Branch	223 Main Street	Talmage	NE
Nebraska Bank Spencer Branch	101 N Thayer St	Spencer	NE
Madison County Bank Albion Branch	103 South Fourth Street	Albion	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Scribner Bank Scribner Bank Branch	400 Main Street	Scribner	NE
Cedar Security Bank Cedar Security Bank Branch	117 Main Street	Fordyce	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	2501 13th Street	Columbus	NE
Exchange Bank Exchange Bank Branch	14 La Barre	Gibbon	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
Countryside Bank Countryside Bank Branch	379 Main Street	Unadilla	NE
Cedar Rapids State Bank Cedar Rapids State Bank Branch	213 W Main St	Cedar Rapids	NE
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	721 Seventh Street	Saint Paul	NE
Bank of Elgin Bank Of Elgin Branch	101 North 2nd Street	Elgin	NE
Cornerstone Bank Polk Branch	190 N Main Street	Polk	NE
Bank of Clarks Farmers State Bank Of Silver Creek B Branch	Second And Vine	Silver Creek	NE
Bank of Prague Bank Of Prague Branch	316 West Center Avenue	Prague	NE
I3 Bank Bank Of Bennington Branch	12212 North 156th Street	Bennington	NE
South Central State Bank Oxford Branch	335 Ogden	Oxford	NE
Genoa Community Bank Genoa Community Bank Branch	Willard Avenue And Oak Street	Genoa	NE
First State Bank First State Bank Branch	Broadway And Main Streets	Randolph	NE
Washington County Bank Washington County Bank Branch	1523 Washington Street	Blair	NE
Lincoln FSB of Nebraska Lincoln Fsb Of Nebraska Branch	1101 N Street	Lincoln	NE
Pathway Bank Pathway Bank Branch	306 High Street	Cairo	NE
Platte Valley Bank Minatare Branch	323 Main Street	Minatare	NE
First Bank and Trust of Fullerton First Bank And Trust Of Fullerton Branch	230 Broadway	Fullerton	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
FirstBank of Nebraska Firstbank Of Nebraska Branch	201 East 5th	Wahoo	NE
First Westroads Bank, Inc. First Westroads Bank, Inc. Branch	15750 W Dodge Rd	Omaha	NE
Dayspring Bank Farmers State Bank Branch	234 S Commercial Ave	Wallace	NE
Five Points Bank Five Points Bank Branch	2015 North Broadwell Avenue	Grand Island	NE
City Bank & Trust Co. City Bank & Trust Co. Branch	2929 Pine Lake Road	Lincoln	NE
Nebraska Bank of Commerce Nebraska Bank Of Commerce Branch	6000 Village Drive, Suite 100	Lincoln	NE
State Bank of Table Rock State Bank Of Table Rock, Dubois Branch	301 Miner Street	Du Bois	NE
Minden Exchange Bank & Trust Company Minden Exchange Bank & Trust Company Branch	448 North Minden Avenue	Minden	NE
Adams County Bank Adams County Bank Branch	401 N. Smith Avenue	Kenesaw	NE
The Bank of Steinauer The Bank Of Steinauer Branch	215 Main St	Steinauer	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Homestead Bank St Paul Branch	619 Grand Street	St. Paul	NE
First State Bank Nebraska De Witt Branch	307 East Fillmore Avenue	De Witt	NE
JONES BANK The Jones National Bank And Trust Co Branch	203 So. 6th Street	Seward	NE
Enterprise Bank Enterprise Bank Branch	12800 West Center Road	Omaha	NE
Cattle Bank and Trust Cattle Bank And Trust Branch	104 South 5th	Seward	NE
First Bank of Utica First Bank Of Utica Branch	785 D Street	Utica	NE
Cornhusker Bank Cornhusker Bank Branch	8310 O Street	Lincoln	NE
City Bank & Trust Co. City Bank & Trust Co. Branch	2929 Pine Lake Road	Lincoln	NE
Commercial Bank Commercial Bank Branch	Fourth And Main (S.W. Corner)	Nelson	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Hershey Bank The Hershey State Bank Branch	100 S. Lincoln Ave	Hershey	NE
Custer Federal State Bank Custer Federal State Bank Branch	341 South 10th Avenue	Broken Bow	NE
First National Bank in Ord Greeley Cnb Community Branch	123 South Galway St	Greeley	NE
The Potter State Bank of Potter The Potter State Bank Of Potter Branch	Front And Chestnut	Potter	NE
FirsTier Bank Firstier Bank Branch	115 South Walnut	Kimball	NE
Scribner Bank Scribner Bank Branch	400 Main Street	Scribner	NE
Wahoo State Bank Wahoo State Bank Branch	164 East 5th Street	Wahoo	NE
American Exchange Bank American Exchange Bank Branch	151 North 4th Street	Elmwood	NE
MNB BANK Mccook National Bank Branch	220 Norris Avenue	Mccook	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
First Nebraska Bank Emerson Branch	1000 Main Street	Emerson	NE
Hershey Bank The Hershey State Bank Branch	100 S. Lincoln Ave	Hershey	NE
Town & Country Bank Town & Country Bank Branch	423 Grand Avenue	Ravenna	NE
Platte Valley Bank Platte Valley Bank Branch	606 Main Street	North Bend	NE
United Republic Bank United Republic Bank Branch	111 North 181st Street	Omaha	NE
Western National Bank Western National Bank Branch	523 Thayer Avenue	Chester	NE
Great Plains State Bank Great Plains State Bank Branch	140 Main Street	Petersburg	NE
Nebraska State Bank Nebraska State Bank Branch	301 Prairie Street	Bristow	NE
Pathway Bank Pathway Bank Branch	306 High Street	Cairo	NE
Heartland Bank Heartland Bank - Riverdale Branch	222 Third Avenue	Riverdale	NE
Columbus Bank and Trust Company Columbus Bank And Trust Company Branch	2501 13th Street	Columbus	NE
Access Bank Bank Of Nebraska Branch	7223 South 84th Street	La Vista	NE
First Savings Bank Omaha Branch	3540 South 84th Street	Omaha	NE
First State Bank 620 West Main Street Branch	620 West Main Street	Alma	NE
F&M Bank F&M Bank Branch	1701 Stone Street	Falls City	NE
West Plains Bank West Plains Bank Branch	200 North Main Street	Ainsworth	NE
CHARTER WEST BANK Pender Branch	610 4th Street	Pender	NE
Bruning Bank Bruning State Bank Branch	104 Main Street	Bruning	NE
Adams Bank & Trust Imperial Branch	545 Broadway	Imperial	NE
First National Bank in Ord Greeley Cnb Community Branch	123 South Galway St	Greeley	NE
Heartland Bank Heartland Bank - Riverdale Branch	222 Third Avenue	Riverdale	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
West Gate Bank West Gate Bank Branch	6003 Old Cheney Road, Suite 100	Lincoln	NE
Stockmens Bank The State Bank Of Bartley Branch	402 Commercial Street	Bartley	NE
Tecumseh Federal Bank Tecumseh Federal Bank Branch	160 N 4th Street	Tecumseh	NE
Sandhills State Bank Bank Of Keystone Branch	105 Inland Seas	Keystone	NE
First Community Bank Bancroft Branch	N Main Street	Bancroft	NE
F&M Bank F&M Bank Branch	204 North Main Street	West Point	NE
First Northeast Bank of Nebraska Hooper Branch	201 North Main Street	Hooper	NE
York State Bank York State Bank Branch	700 Lincoln Avenue	York	NE
Waypoint Bank Cambridge Br Branch	707 Patterson	Cambridge	NE
Midwest Bank Creighton Branch	606 Main Street	Creighton	NE
Great Southern Bank Fort Calhoun Branch	101 North 14th Street	Fort Calhoun	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Nebraskaland Bank Nebraskaland National Bank Branch	1400 South Dewey	North Platte	NE
York State Bank York State Bank Branch	700 Lincoln Avenue	York	NE
F&M Bank F&M Bank Branch	1701 Stone Street	Falls City	NE
Arbor Bank Arbor Bank Branch	911 Central Avenue	Nebraska City	NE
Five Points Bank of Hastings Five Points Bank Of Hastings Branch	2815 Osborne Drive West	Hastings	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Midwest Bank Creighton Branch	606 Main Street	Creighton	NE
F&M Bank F&M Bank Branch	204 North Main Street	West Point	NE
Nebraska State Bank and Trust Company Nebraska State Bank And Trust Compan Branch	945 South D Street	Broken Bow	NE
Sidney Federal Savings and Loan Association Sidney Federal Savings And Loan Asso Branch	1045 10th Avenue	Sidney	NE
RVR Bank First State Bank & Trust Company Branch	1005 East 23rd Street	Fremont	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Thayer County Bank Thayer County Bank Branch	402 Lincoln Avenue	Hebron	NE
Astra Bank Sutton Branch	105 S. Saunders Avenue	Sutton	NE
Nebraskaland Bank Nebraskaland National Bank Branch	1400 South Dewey	North Platte	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Northwest Bank Arbor Street Branch	14320 Arbor Street	Omaha	NE
UMB Bank, National Association Umb Bank, National Association Branch	11808 West Center Road	Omaha	NE
Central National Bank Superior Branch	411 North National Street	Superior	NE
Pinnacle Bank Beatrice Branch	523 Court Street	Beatrice	NE
Heritage Bank Stromsburg Bank Branch	200 East Third Street	Stromsburg	NE
Central National Bank Superior Branch	411 North National Street	Superior	NE
U.S. Bank National Association David City Branch	490 E Street	David City	NE
First National Bank of Omaha Alliance Branch	124 West Third Street	Alliance	NE
Frontier Bank Pender State Bank Branch	222 Main Street	Pender	NE

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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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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

CD Products by State

CD Products by City in Nebraska

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