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Image Courtesy: pixabay.com
You are viewing rates from banks across Princeton
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.
Princeton, NJ - July 5, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.50% |
$0 |
5.80 |
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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 |
16.76 |
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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% |
$500 |
8.80 |
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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% |
$1,500 |
22.37 |
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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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2.00% |
$0 |
22.61 |
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Rate History: 2.00% → 3.00% → 2.00% |
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2.00% |
$500 |
14.24 |
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Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00% |
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2.00% |
$10,000 |
16.71 |
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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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0.90% |
$10,000 |
23.55 |
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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 |
10.43 |
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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 |
16.28 |
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0.75% |
$10,000 |
18.39 |
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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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0.75% |
$10,000 |
7.60 |
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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 |
12.72 |
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0.60% |
$100,000 |
18.88 |
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0.60% |
$10,000 |
22.96 |
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.55% |
$10,000 |
14.98 |
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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 |
17.45 |
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0.55% |
$10,000 |
18.88 |
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0.50% |
$10,000 |
8.58 |
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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 |
7.23 |
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0.45% |
$500 |
15.74 |
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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 |
16.79 |
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0.25% |
$10,000 |
19.60 |
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0.03% |
$100,000 |
15.67 |
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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.
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