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You are viewing rates from banks across Freehold
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.
Freehold, NJ - August 27, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.10% |
$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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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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3.65% |
$1,000 |
19.25 |
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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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3.50% |
$0 |
17.51 |
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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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3.35% 0.35% |
$250,000 $1,000 |
19.99 |
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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3.00% |
$1,500 |
23.15 |
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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
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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
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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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2.00% |
$0 |
16.75 |
Learn More
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Rate History: 2.00% → 3.00% → 2.00% |
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2.00% |
$500 |
19.52 |
Learn More
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Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00% |
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0.90% |
$10,000 |
23.39 |
Learn More
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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 |
22.26 |
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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0.75% |
$10,000 |
21.70 |
Learn More
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silly | Apr 1, 2020 when I hit learn more, I get this box to rate the bank. WHY Read More |
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0.70% |
$500 |
16.75 |
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0.60% |
$100,000 |
19.91 |
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0.60% |
$10,000 |
22.07 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.55% |
$1,000 |
20.08 |
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0.55% |
$10,000 |
19.91 |
Learn More
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0.50% |
$1,000 |
- |
Learn More
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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 |
18.76 |
Learn More
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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 |
16.01 |
Learn More
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0.45% |
$500 |
12.27 |
Learn More
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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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0.40% |
$50,000 |
20.01 |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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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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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.03% |
$100,000 |
19.55 |
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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| Branch | Street | City | State |
|---|---|---|---|
|
Popular Bank Perth Amboy Branch |
631 State Street | Perth Amboy | NJ |
|
Capital One, National Association South Brunswick Branch |
Route 1 And Wynwood Drive | South Brunswick | NJ |
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Bank of Hope Edison Branch |
1757 Lincoln Highway (Rt. 27) | Edison | NJ |
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Habib American Bank Iselin Branch |
1585 Oak Tree Road | Iselin | NJ |
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Northfield Bank Milltown Branch |
336 Ryders Lane | Milltown | NJ |
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New Millennium Bank New Millennium Bank Branch |
222 Bridge Plaza South | Fort Lee | NJ |
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Unity Bank Somerset Branch |
120 Cedar Grove Lane | Somerset | NJ |
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First Bank Franklin Branch |
225 Demott Lane | Somerset | NJ |
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Columbia Bank Edison Branch |
245 Talmadge Road | Edison | NJ |
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Kearny Bank Milltown Branch |
270 Ryders Lane | Milltown | NJ |
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Hanmi Bank Edison Branch |
1031 Us Hwy 1 South | Edison | NJ |
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Armed Forces Bank, National Association Mcguire Exchange Branch |
Building 3452 P.O. Box 16171 | Mc Guire Afb | NJ |
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Abacus Federal Savings Bank Edison Branch |
869 U.S. Route 1 South | Edison | NJ |
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Hanmi Bank Edison Branch |
1031 Us Hwy 1 South | Edison | NJ |
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Berkshire Bank Robbinsville Branch |
2344 Route 33 | Robbinsville | NJ |
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Amboy Bank Monmouth Junction Branch |
460 Georges Road | Dayton | NJ |
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The Bank of Princeton Monroe Branch |
1 Rossmoor Drive, Suite 1200 | Monroe Township | NJ |
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Cathay Bank New Jersey Branch |
1775 Route 27 | Edison | NJ |
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Bank of Hope Edison Branch |
1757 Lincoln Highway (Rt. 27) | Edison | NJ |
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Bank of America, National Association Mercer Pwm Branch |
845 Alexander Rd | Princeton | NJ |
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.
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