Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across New Jersey
Below are four-year CD Rates from banks in New Jersey . 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.
NJ - August 4, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.15% |
$10,000 |
- |
Learn More
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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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|
4.00% |
$1,500 |
- |
Learn More
|
|
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Early withdrawal penalty is 365 days interest. |
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m abram | Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More |
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|
4.00% |
$500 |
- |
Learn More
|
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Early Withdrawal Penalty is 90 days interest. |
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JBaker65 | May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More |
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|
3.97% |
$1,000 |
- |
Learn More
|
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Early Withdrawal Penalty is 360 days interest. |
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|
Beenthere | Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More |
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|
3.90% |
$25,000 |
- |
Learn More
|
|
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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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|
3.75% |
$500 |
- |
Learn More
|
|
|
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75% |
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|
A Terkowitz | Feb 15, 2024 best bank on the list but no longer the most competitive Read More |
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|
3.75% |
$500 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 90 days interest. |
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|
Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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|
3.75% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
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|
Yat 1965 | Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More |
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|
3.70% |
$1,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
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|
Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
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|
3.67% |
$10,000 |
- |
Learn More
|
|
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Warning: Early withdrawal penalty is 2% of principal |
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|
Hello VirtualBank? | Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More |
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|
3.65% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 3.80% → 3.70% → 3.65% |
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|
Dr. E. F. Ayers; e.f.ayers@outlook.com | Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More |
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|
3.60% |
$0 |
- |
Learn More
|
|
|
Rate History: 3.00% → 3.60% |
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|
Chris | Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More |
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|
3.50% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50% |
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|
AVOID_ READ_CAREFULLY | Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More |
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|
3.50% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50% |
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|
smithy1968 | Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More |
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|
3.50% |
$0 |
- |
Learn More
|
|
|
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50% |
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|
Rad | Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More |
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|
3.50% |
$0 |
- |
Learn More
|
|
|
Rate History: 4.00% → 3.90% → 3.90% → 3.50% |
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|
mcriss | Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More |
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|
3.50% |
$0 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 6 months interest. |
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|
NS123 | Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More |
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|
3.50% |
$0 |
- |
Learn More
|
|
|
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50% |
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|
highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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|
3.50% |
$500 |
- |
Learn More
|
|
|
Rate History: 4.00% → 3.75% → 3.50% |
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Mike Brown | Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More |
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|
3.40% |
$500 |
- |
Learn More
|
|
|
Rate History: 3.00% → 3.40% |
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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|
3.35% 0.35% |
$250,000 $1,000 |
- |
Learn More
|
|
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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|
3.25% |
$0 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
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LenaL | May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More |
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|
3.25% |
$500 |
- |
Learn More
|
|
|
Rate History: 3.75% → 4.00% → 3.25% |
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James A. Elder | Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More |
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|
3.00% |
$500 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 24 months interest. |
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|
3.00% |
$500 |
- |
Learn More
|
|
|
Rate History: 0.20% → 4.40% → 4.05% → 3.00% |
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Dudley | Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More |
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|
3.00% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 0.35% → 3.00% |
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|
3.00% |
$500 |
- |
Learn More
|
|
|
Rate History: 1.50% → 4.75% → 3.00% |
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|
Zman111 | Jun 26, 2022 ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. Read More |
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|
3.00% |
$1,500 |
- |
Learn More
|
|
|
Rate History: 2.00% → 3.00% |
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|
Ryan | Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More |
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|
2.75% |
$500 |
- |
Learn More
|
|
|
Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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|
2.75% |
$5,000 |
- |
Learn More
|
|
|
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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|
2.75% |
$0 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 180 days interest. |
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|
Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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|
2.75% |
$5,000 |
- |
Learn More
|
|
|
Rate History: 3.00% → 2.75% |
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|
Dana E. | Mar 20, 2016 Good solid bank. Read More |
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|
2.70% |
$500 |
- |
Learn More
|
|
|
Rate History: 2.90% → 2.95% → 3.00% → 2.90% → 2.70% |
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|
2.27% |
$1,000 |
- |
Learn More
|
|
|
rick | Nov 3, 2023 site does not update at all, totally wrong rates listed Read More |
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|
2.00% |
$0 |
- |
Learn More
|
|
|
Rate History: 2.00% → 3.00% → 2.00% |
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|
2.00% |
$500 |
- |
Learn More
|
|
|
Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00% |
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|
2.00% |
$0 |
- |
Learn More
|
|
|
Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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|
2.00% |
$0 |
- |
Learn More
|
|
|
Rate History: 2.00% → 3.00% → 2.00% |
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|
Stella | Apr 30, 2019 No issues. I feel confident using them. Read More |
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2.00% |
$10,000 |
- |
Learn More
|
|
|
Rate History: 2.00% → 2.50% → 2.00% |
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|
Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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|
1.80% |
$500 |
- |
Learn More
|
|
|
Rate History: 1.80% → 0.65% → 1.80% |
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|
1.77% |
$1,000 |
- |
Learn More
|
|
|
1.66% |
$500 |
- |
Learn More
|
|
|
1.50% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 2.50% → 1.50% |
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|
RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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1.50% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 1.50% → 1.75% → 1.50% |
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|
1.25% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 2.50% → 1.25% |
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|
Azblondie007 | Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More |
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|
1.10% |
$500 |
- |
Learn More
|
|
|
Rate History: 0.10% → 1.50% → 1.10% |
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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|
1.05% |
$500 |
- |
Learn More
|
|
|
Savvysaver | Nov 9, 2020 Here's what you will need: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating "Zip code is not valid for this ap... Read More |
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|
1.01% |
$1,000 |
- |
Learn More
|
|
|
1.01% |
$10,000 |
- |
Learn More
|
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|
1.00% |
$1,000 |
- |
Learn More
|
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1.00% |
$1,000 |
- |
Learn More
|
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|
1.00% |
$10,000 |
- |
Learn More
|
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0.90% |
$10,000 |
- |
Learn More
|
|
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0.90% |
$10,000 |
- |
Learn More
|
|
|
CF | Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More |
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0.90% |
$10,000 |
- |
Learn More
|
|
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SAM | May 24, 2021 Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More |
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|
0.85% |
$10,000 |
- |
Learn More
|
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0.85% |
$10,000 |
- |
Learn More
|
|
|
0.75% |
$2,500 |
- |
Learn More
|
|
|
schoolbus2017 | Nov 8, 2019 farmer Read More |
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0.75% |
$10,000 |
- |
Learn More
|
|
|
silly | Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More |
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|
0.75% |
$1,000 |
- |
Learn More
|
|
|
0.75% |
$10,000 |
- |
Learn More
|
|
|
Margaret | Nov 6, 2022 I have been to your bank branch several times I don't want my statement to be mailed please once again I'm requesting for you to not send any oaperr statements to me i expect my privacy and you are still M... Read More |
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|
0.70% |
$500 |
- |
Learn More
|
|
|
0.60% 0.55% |
$0 $2,500 |
- |
Learn More
|
|
|
Rate History: 1.00% → 0.60% |
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|
0.60% |
$100,000 |
- |
Learn More
|
|
|
0.60% |
$10,000 |
- |
Learn More
|
|
|
BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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|
0.60% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
DN | Jan 11, 2020 I tried to do a re-fi loan through this place. Total nightmare. They never sent the loan disclosure prior to the closing. Imagine my surprise at closing when my cash to closing number increased by almo... Read More |
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|
0.55% |
$1,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$10,000 |
- |
Learn More
|
|
|
0.55% |
$500 |
- |
Learn More
|
|
|
0.50% |
$1,000 |
- |
Learn More
|
|
|
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% |
$10,000 |
- |
Learn More
|
|
|
Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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|
0.50% |
$5,000 |
- |
Learn More
|
|
|
0.50% |
$10,000 |
- |
Learn More
|
|
|
0.45% |
$1,000 |
- |
Learn More
|
|
|
Rate History: 0.55% → 0.45% → 0.25% → 0.45% |
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Customer18 | Mar 26, 2021 Spencer Bank is by far, the ABSOLUTE WORST Banking institution there is. The Bank - and the Headquarters - display a host of shortcomings and clearly are the most substandard bank - dealing with numerou... Read More |
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|
0.45% |
$500 |
- |
Learn More
|
|
|
Donna | Nov 1, 2022 This local community bank “by far” exceeded my expectations of what a banking institution should be. They take the time to understand their customers needs, educatedly answer questions, and take the ti... Read More |
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0.45% |
$10,000 |
- |
Learn More
|
|
|
0.45% |
$10,000 |
- |
Learn More
|
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|
0.45% |
$10,000 |
- |
Learn More
|
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0.40% |
$50,000 |
- |
Learn More
|
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0.40% |
$10,000 |
- |
Learn More
|
|
|
0.40% |
$1,000 |
- |
Learn More
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|
0.33% |
$1,000 |
- |
Learn More
|
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|
thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.26% |
$10,000 |
- |
Learn More
|
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|
0.25% |
$10,000 |
- |
Learn More
|
|
|
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 |
- |
Learn More
|
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.15% |
$500 |
- |
Learn More
|
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|
0.15% |
$500 |
- |
Learn More
|
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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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0.10% |
$10,000 |
- |
Learn More
|
|
|
0.05% |
$2,500 |
- |
Learn More
|
|
|
Rate History: 0.03% → 0.05% |
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|
Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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|
0.03% |
$25,000 |
- |
Learn More
|
|
|
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 |
- |
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.
Use or Change these Amounts And Rates