Best 4-Year CD Rates in New York, NY

You are viewing rates from banks across New York

Below are four-year CD Rates from banks in New York . 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.

NY - July 30, 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
Bank of Utica Bank Of Utica Branch	4.15%	$500	-	Learn More
Rate History: 5.00% → 4.75% → 4.50% → 4.25% → 4.15%
adirondackgirl \| Oct 29, 2018 I believe you must live in Utica or surrounding area to qualify for opening an account with them - I inquired a few years ago Read More Reviews (7)
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)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
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 Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Spring Bank Bronx Branch - Main Headquarters	3.90%	$250	-	Learn More Add Review
Rate History: 4.50% → 3.50% → 3.90%
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
State Bank of India State Bank Of India Branch	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.52% → 4.27% → 3.91% → 3.85% → 3.75%
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
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 Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
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 Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
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
Popular Bank Seneca Avenue Branch	3.65%	$1,000	-	Learn More
Rate History: 3.80% → 3.70% → 3.65%
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 Reviews (2)
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
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
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
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
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
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
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
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
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
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
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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
Capital One, National Association Penn Plaza Branch	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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 Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
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
Cross County Savings Bank Eliot Branch	3.45%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.20% → 3.80% → 3.65% → 3.45%
Bank of Hope Flushing-Crocheron Branch	3.35% 0.35%	$250,000 $1,000	-	Learn More
Rate History: 3.55% → 3.45% → 3.65% → 3.35%
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 Reviews (1)
Ridgewood Savings Bank Bay Ridge Branch	3.35%	$100	-	Learn More
Rate History: 4.00% → 3.75% → 3.85% → 3.75% → 3.35%
an \| Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More Reviews (5)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
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 Reviews (33)
Customers Bank Ryebrook Branch	3.25%	$500	-	Learn More
Rate History: 3.75% → 4.00% → 3.25%
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 Reviews (3)
Massena Savings and Loan Massena Savings And Loan Branch	3.08%	$1,000	-	Learn More Add Review
Rate History: 3.86% → 3.61% → 3.34% → 3.08%
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	3.00%	$0	-	Learn More
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Empire State Bank Empire State Bank Branch	3.00%	$1,000	-	Learn More
Rate History: 0.60% → 2.00% → 0.60% → 0.50% → 3.00%
Papa \| Jul 31, 2020 Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More Reviews (1)
Habib American Bank Habib American Bank Branch	3.00%	$1,500	-	Learn More
Rate History: 2.00% → 3.00%
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 Reviews (2)
Apple Bank for Savings Sag Harbor Branch	3.00%	$1,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
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
Solvay Bank Cicero Branch	2.75%	$500	-	Learn More Add Review
Rate History: 1.60% → 2.75%
Citizens Clifton Park Branch	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Ponce Bank Riverdale Branch	2.60%	$1,000	-	Learn More Add Review
Rate History: 2.85% → 2.60%
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Genesee Regional Bank Genesee Regional Bank Branch	2.25%	$500	-	Learn More Add Review
Rate History: 1.50% → 2.25%
Northfield Bank Bay Ridge Branch	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
New Millennium Bank Bayside Branch	2.00%	$500	-	Learn More Add Review
Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00%
Citibank, National Association Lakeland Branch	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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association U Of R River Campus Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
PCB Bank Bayside Office Branch	1.77%	$1,000	-	Learn More Add Review
International Bank of Chicago Port Jervis New York Branch	1.75%	$1,000	-	Learn More
Rate History: 2.00% → 1.75%
Mandy \| May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More Reviews (5)
First National Bank of Scotia Guilderland-Westmere Branch	1.69%	$500	-	Learn More
Rate History: 0.75% → 0.72% → 1.01% → 1.06% → 1.69%
Zflash4000 \| Oct 1, 2017 Will play games with your account. changing posting dates and times. Will hold direct deposit so you overdraft your account. Read More Reviews (1)
City National Bank 400 Park Branch	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
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 Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Woodforest National Bank 8034 Village Of Newark New York Walm 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)
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
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
The Delaware National Bank of Delhi Margaretville Branch	1.21%	$10,000	-	Learn More Add Review
The Putnam County National Bank of Carmel Putnam Lake Office Branch	1.20%	$10,000	-	Learn More Add Review
TrustCo Bank Stuyvesant Plaza Branch	1.10%	$500	-	Learn More
Rate History: 0.10% → 1.50% → 1.10%
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 Reviews (1)
Rhinebeck Bank Internet Branch	1.10%	$10,000	-	Learn More
Customer 12603 \| Nov 26, 2018 This is a terrible bank. The employees are rude and do not care. The auto lender ratio is very high, which could affect their bottom number. Don’t use this bank, there are other stable banks in the area ... Read More Reviews (1)
Wallkill Valley Federal Savings and Loan Association Highland Falls Branch	1.06%	$2,500	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Champlain National Bank Champlain National Bank Branch	1.00%	$500	-	Learn More Add Review
CNB Bank Electric Tower Branch	1.00%	$10,000	-	Learn More Add Review
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	1.00%	$10,000	-	Learn More Add Review
Rondout Savings Bank Rondout Savings Bank Branch	1.00%	$10,000	-	Learn More
pessy \| May 22, 2023 The Bank Rondout Savings Bank is SCAM and bad company This is horrible bank , the loans insisted that I must come in the office before they will review my application for loan. But Everything is done onli... Read More Reviews (2)
Walden Savings Bank Florida Branch	0.95%	$10,000	-	Learn More Add Review
Metropolitan Commercial Bank New York Branch	0.95%	$10,000	-	Learn More Add Review
The First National Bank of Groton Moravia Branch	0.85%	$100,000	-	Learn More Add Review
Tioga State Bank Owego Fifth Avenue Branch	0.85%	$10,000	-	Learn More Add Review
Alma Bank Bayside Branch	0.85%	$10,000	-	Learn More Add Review
Pioneer Bank Malta Branch	0.80%	$10,000	-	Learn More Add Review
BNB Bank Melville Branch	0.80%	$10,000	-	Learn More Add Review
First Citizens Community Bank Wellsville Branch	0.80%	$100,000	-	Learn More Add Review
The First National Bank of Groton Moravia Branch	0.75%	$1,000	-	Learn More Add Review
Maple City Savings Bank, FSB Maple City Savings Bank, Fsb Branch	0.75%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Hornell Branch	0.75%	$100,000	-	Learn More Add Review
NorthEast Community Bank 590 East 187th Street Branch	0.75%	$1,000	-	Learn More Add Review
Kearny Bank Brooklyn Branch	0.70%	$500	-	Learn More Add Review
NBT Bank, National Association Cortland Walmart Branch	0.70%	$10,000	-	Learn More Add Review
PCSB Bank Eastchester Branch	0.70%	$10,000	-	Learn More Add Review
Wayne Bank Roxbury Branch	0.70%	$10,000	-	Learn More
MoonShadows Farm \| Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More Reviews (1)
Jeff Bank Jeff Bank Branch	0.70%	$100,000	-	Learn More Add Review
Ballston Spa National Bank Wilton Office Branch	0.65%	$500	-	Learn More Add Review
Bank of Millbrook Amenia Branch	0.65%	$10,000	-	Learn More Add Review
Global Bank Global Bank Branch	0.65%	$10,000	-	Learn More Add Review
Carver Federal Savings Bank Flatbush Branch	0.63%	$10,000	-	Learn More Add Review
The Upstate National Bank Rochester Branch	0.60%	$100,000	-	Learn More Add Review
Pathfinder Bank Oswego Plaza Branch	0.60%	$10,000	-	Learn More Add Review
First Citizens Community Bank Wellsville Branch	0.60%	$10,000	-	Learn More Add Review
The Bank of Greene County Tannersville Branch	0.60%	$10,000	-	Learn More Add Review
Jeff Bank Jeff Bank Branch	0.60%	$1,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.60%	$100,000	-	Learn More Add Review
Alden State Bank Lancaster Branch	0.55%	$500	-	Learn More Add Review
Chemung Canal Trust Company Seneca Falls Branch	0.55%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Hornell Branch	0.55%	$10,000	-	Learn More Add Review
Abacus Federal Savings Bank Abacus Federal Savings Bank Branch	0.55%	$1,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.55%	$10,000	-	Learn More Add Review
Watertown Savings Bank Alexandria Bay Branch	0.51%	$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
Gouverneur Savings and Loan Association Gouverneur Savings And Loan Associat Branch	0.50%	$10,000	-	Learn More Add Review
Adirondack Bank Holland Patent Branch	0.50%	$1,000	-	Learn More
Ed \| Jan 5, 2018 BEWARE of their Home Equity Loan practices. Towards the end of the process, after you've complied with all their requests and are on the hook for lots of fees if you cancel, they demand that all of your cr... Read More Reviews (1)
Glens Falls National Bank and Trust Company Ticonderoga Drive-In Branch	0.50%	$10,000	-	Learn More Add Review
Carthage Federal Savings and Loan Association Clayton Branch	0.50%	$10,000	-	Learn More Add Review
Berkshire Bank Municipal Bank Br Branch	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 Reviews (2)
Fulton Savings Bank Village Green Branch	0.50%	$500	-	Learn More Add Review
Five Star Bank Henrietta Branch	0.50%	$500	-	Learn More
Delores Thompson, FD Investments - Rochester, NY \| Aug 1, 2016 Currently looking for a list of non- performing loans on properties in the Western, New York area. Not sure where to obtain this information from Five Star, but if you would forward this request to the cor... Read More Reviews (1)
Generations Bank Phelps Branch	0.50%	$10,000	-	Learn More
Osvaldo \| Apr 27, 2018 Best Rates and service in the area!!! Read More Reviews (1)
The Lyons National Bank Ontario Branch	0.50%	$10,000	-	Learn More
william bridson \| Apr 5, 2024 need to deposit loose change Read More Reviews (1)
Savannah Bank National Association Fair Haven Branch	0.50%	$10,000	-	Learn More Add Review
Lake Shore Savings Bank East Amherst Branch	0.45%	$500	-	Learn More Add Review
Royal Business Bank	0.45%	$10,000	-	Learn More Add Review
Cathay Bank Elmhurst Branch	0.40%	$50,000	-	Learn More Add Review
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.40%	$10,000	-	Learn More Add Review
Peoples Security Bank and Trust Company West Side Branch	0.40%	$1,000	-	Learn More Add Review
Seneca Savings Seneca Savings Branch	0.35%	$10,000	-	Learn More Add Review
Webster Bank, National Association Yonkers Branch	0.35%	$10,000	-	Learn More Add Review
Metro City Bank Bayside Branch	0.33%	$1,000	-	Learn More
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 Reviews (1)
Cattaraugus County Bank Fairmount Avenue Branch	0.30%	$10,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
Northwest Bank Northwest Bank Branch	0.28%	$10,000	-	Learn More Add Review
The North Country Savings Bank Greene And Caroline Streets Branch	0.25%	$500	-	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
Community Bank, National Association Hamilton Branch	0.25%	$100,000	-	Learn More Add Review
Tompkins Community Bank Cornell Campus Store Branch	0.25%	$1,000	-	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
Community Bank, National Association Hamilton Branch	0.20%	$10,000	-	Learn More Add Review
East West Bank 77 Bowery Branch	0.20%	$10,000	-	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
U.S. Bank National Association	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 Horizon Bank	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
KeyBank National Association Keybank National Association Branch	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
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 Reviews (2)
Cattaraugus County Bank Fairmount Avenue Branch	0.05%	$100,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
PNC Bank, National Association 11 Penn Plaza Branch	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 Reviews (1)
Bank of America, National Association Goldens Bridge Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	0.00%	$10,000	-	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
Bank of Utica Bank Of Utica Branch	222 Genesee Street	Utica	NY
Spring Bank Bronx Branch - Main Headquarters	69 East 167th Street	Bronx	NY
State Bank of India State Bank Of India Branch	460 Park Avenue	New York	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
Popular Bank Seneca Avenue Branch	918 Seneca Avenue	Ridgewood	NY
Capital One, National Association Penn Plaza Branch	One Penn Plaza	New York	NY
Cross County Savings Bank Eliot Branch	80-10 Eliot Avenue	Middle Village	NY
Bank of Hope Flushing-Crocheron Branch	162-05 Crocheron Ave	Flushing	NY
Ridgewood Savings Bank Bay Ridge Branch	8522 Third Avenue	Brooklyn	NY
Customers Bank Ryebrook Branch	102 South Ridge Street	Rye Brook	NY
Massena Savings and Loan Massena Savings And Loan Branch	255 Main Street	Massena	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
Empire State Bank Empire State Bank Branch	68 North Plank Road	Newburgh	NY
Habib American Bank Habib American Bank Branch	99 Madison Avenue	New York	NY
Apple Bank Sag Harbor Branch	138 Main Street	Sag Harbor	NY
Solvay Bank Cicero Branch	7895 Brewerton Road	Cicero	NY
Citizens Clifton Park Branch	One Municipal Plaza	Clifton Park	NY
Ponce Bank Riverdale Branch	5560 Broadway	Bronx	NY
Genesee Regional Bank Genesee Regional Bank Branch	1850 South Winton Rd	Rochester	NY
Northfield Bank Bay Ridge Branch	8512 Third Avenue	Brooklyn	NY
New Millennium Bank Bayside Branch	209-35 Northern Boulevard	Bayside	NY
Citibank, National Association Lakeland Branch	3131 East Main Street	Mohegan Lake	NY
JPMorgan Chase Bank, National Association U Of R River Campus Branch	500 Joseph C Wilson Boulevard	Rochester	NY
PCB Bank Bayside Office Branch	220-34 And 220-36 Northern Blvd	Bayside	NY
International Bank of Chicago Port Jervis New York Branch	2 West Main Street	Port Jervis	NY
First National Bank of Scotia Guilderland-Westmere Branch	8 Karner Road	Guilderland	NY
City National Bank 400 Park Branch	400 Park Avenue	New York	NY
Woodforest National Bank 8034 Village Of Newark New York Walm Branch	6788 Rt 31 East	Newark	NY
The Delaware National Bank of Delhi Margaretville Branch	42568 Route 28	Margaretville	NY
The Putnam County National Bank of Carmel Putnam Lake Office Branch	89 Haviland Drive	Patterson	NY
TrustCo Bank Stuyvesant Plaza Branch	Western Avenue At Fuller Road	Albany	NY
Rhinebeck Bank Internet Branch	Jefferson Plaza, 2 Jefferson Street	Poughkeepsie	NY
Wallkill Valley Federal Savings and Loan Association Highland Falls Branch	252 Main Street	Highland Falls	NY
Champlain National Bank Champlain National Bank Branch	7558 Us Route 9	Elizabethtown	NY
CNB Bank Electric Tower Branch	535 Washington Street, Suite 101	Buffalo	NY
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	2208 West Genesee St	Syracuse	NY
Rondout Savings Bank Rondout Savings Bank Branch	300 Broadway	Kingston	NY
Walden Savings Bank Florida Branch	95 N Main St	Florida	NY
Metropolitan Commercial Bank New York Branch	99 Park Avenue	New York	NY
The First National Bank of Groton Moravia Branch	41 South Main Street	Moravia	NY
Tioga State Bank National Association Owego Fifth Avenue Branch	923 State Route 17c	Owego	NY
Alma Bank Bayside Branch	Northern Boulevard	Bayside	NY
Pioneer Bank, National Association Malta Branch	10 Kendall Way	Malta	NY
Dime Community Bank Melville Branch	859 Walt Whitman Road	Melville	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
The First National Bank of Groton Moravia Branch	41 South Main Street	Moravia	NY
Maple City Savings Bank, FSB Maple City Savings Bank, Fsb Branch	145 Main Street	Hornell	NY
Citizens & Northern Bank Hornell Branch	6250 County Route 64	Hornell	NY
NorthEast Community Bank 590 East 187th Street Branch	590 East 187th Street	Bronx	NY
Kearny Bank Brooklyn Branch	689 Fifth Ave	Brooklyn	NY
NBT Bank, National Association Cortland Walmart Branch	819 Bernie Road (Route 13)	Cortland	NY
PCSB Bank Eastchester Branch	478 White Plains Road	Eastchester	NY
Wayne Bank Roxbury Branch	53898 State Highway 30	Roxbury	NY
Jeff Bank Jeff Bank Branch	85 Main Street	Bloomingburg	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
Bank of Millbrook Amenia Branch	5094 Route 22	Amenia	NY
Global Bank Global Bank Branch	8 Catherine Street	New York	NY
Carver Federal Savings Bank Flatbush Branch	833 Flatbush Avenue	Brooklyn	NY
The Upstate National Bank Rochester Branch	150 State Street, Third Floor	Rochester	NY
Pathfinder Bank Oswego Plaza Branch	291 State Route 104 East	Oswego	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
The Bank of Greene County Tannersville Branch	6176 Main Street	Tannersville	NY
Jeff Bank Jeff Bank Branch	85 Main Street	Bloomingburg	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Alden State Bank Lancaster Branch	5802 Broadway	Lancaster	NY
Chemung Canal Trust Company Seneca Falls Branch	54 Fall Street	Seneca Falls	NY
Citizens & Northern Bank Hornell Branch	6250 County Route 64	Hornell	NY
Abacus Federal Savings Bank Abacus Federal Savings Bank Branch	6 Bowery	New York	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Watertown Savings Bank Alexandria Bay Branch	4 Market Street	Alexandria Bay	NY
Gouverneur Savings and Loan Association Gouverneur Savings And Loan Associat Branch	42 Church Street	Gouverneur	NY
Adirondack Bank Holland Patent Branch	9576 Main Street	Holland Patent	NY
Arrow Bank National Association Ticonderoga Drive-In Branch	Wicker Street	Ticonderoga	NY
Carthage Savings and Loan, National Association Clayton Branch	325 State Street	Clayton	NY
Berkshire Bank Municipal Bank Br Branch	41 State Street	Albany	NY
Fulton Savings Bank Village Green Branch	State Fair And Village Blvds. South	Van Buren Township	NY
Five Star Bank Henrietta Branch	765 Calkins Road	Rochester	NY
Generations Bank Phelps Branch	89 Main Street	Phelps	NY
The Lyons National Bank Ontario Branch	6280 Furnace Road, Suite 200	Ontario	NY
Savannah Bank National Association Fair Haven Branch	563 Main Street	Fair Haven	NY
Lake Shore Savings Bank East Amherst Branch	5751 Transit Road	East Amherst	NY
Cathay Bank Elmhurst Branch	82-62 Broadway	New York City	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
Peoples Security Bank and Trust Company West Side Branch	275 Main St	Binghamton	NY
Bank of Hope Flushing-Crocheron Branch	162-05 Crocheron Ave	Flushing	NY
Seneca Savings Seneca Savings Branch	35 Oswego St	Baldwinsville	NY
Webster Bank, National Association Yonkers Branch	760 Mclean Ave	Yonkers	NY
Metro City Bank Bayside Branch	212-45 Northern Boulevard	Bayside	NY
Cattaraugus County Bank Fairmount Avenue Branch	870 Fairmount Avenue	Jamestown	NY
Northwest Bank Northwest Bank Branch	Eastern Hills Mall, 4545 Transit Road	Williamsville	NY
The North Country Savings Bank Greene And Caroline Streets Branch	Greene And Caroline Streets	Ogdensburg	NY
Community Bank, National Association Hamilton Branch	35 Broad Street	Hamilton	NY
Tompkins Community Bank Cornell Campus Store Branch	Central Avenue	Ithaca	NY
Community Bank, National Association Hamilton Branch	35 Broad Street	Hamilton	NY
East West Bank 77 Bowery Branch	77 Bowery	New York	NY
KeyBank National Association Keybank National Association Branch	155 Wolf Road	Albany	NY
Cattaraugus County Bank Fairmount Avenue Branch	870 Fairmount Avenue	Jamestown	NY
PNC Bank, National Association 11 Penn Plaza Branch	Seventh Avenue And West 31st Street	New York	NY
Bank of America, National Association Goldens Bridge Branch	Route 22	Goldens Bridge	NY
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	5714 8th Avenue (At 57th Street)	Brooklyn	NY

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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.

SAVINGS & CD CALCULATOR

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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

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