Best 4-Year CD Rates in Kiryas Joel, New York, NY

You are viewing rates from banks across Kiryas Joel

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.

Kiryas Joel, NY - August 1, 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)
Spring Bank Bronx Branch - Main Headquarters	3.90%	$250	-	Learn More Add Review
Rate History: 4.50% → 3.50% → 3.90%
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)
Popular Bank Madison 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)
Capital One, National Association Capital One, National Association 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)
Cross County Savings Bank Cross County Savings Bank Branch	3.45%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.20% → 3.80% → 3.65% → 3.45%
Bank of Hope Bank Of Hope 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 Ridgewood Savings Bank 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)
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%
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 Westchester Square 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
Solvay Bank Solvay Bank Branch	2.75%	$500	-	Learn More Add Review
Rate History: 1.60% → 2.75%
Citizens Endicott 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 Ponce Bank Branch	2.60%	$1,000	-	Learn More Add Review
Rate History: 2.85% → 2.60%
Genesee Regional Bank Genesee Regional Bank Branch	2.25%	$500	-	Learn More Add Review
Rate History: 1.50% → 2.25%
Northfield Bank Bay Street 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 Baybridge 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)
JPMorgan Chase Bank, National Association Morgan Guar. Tr. Co. Of Ny 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 First National Bank Of Scotia 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%
Woodforest National Bank 8031 Batavia New York Walmart 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)
The Delaware National Bank of Delhi The Delaware National Bank Of Delhi Branch	1.21%	$10,000	-	Learn More Add Review
The Putnam County National Bank of Carmel The Putnam County National Bank Of C Branch	1.20%	$10,000	-	Learn More Add Review
TrustCo Bank Tanners Main 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 Rhinebeck Bank 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 Walden Branch	1.06%	$2,500	-	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 Walden Savings Bank Branch	0.95%	$10,000	-	Learn More Add Review
Metropolitan Commercial Bank Metropolitan Commercial Bank Branch	0.95%	$10,000	-	Learn More Add Review
The First National Bank of Groton The First National Bank Of Groton Branch	0.85%	$100,000	-	Learn More Add Review
Tioga State Bank Tioga State Bank Branch	0.85%	$10,000	-	Learn More Add Review
Alma Bank Alma Bank Branch	0.85%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Savings Bank Branch	0.80%	$10,000	-	Learn More Add Review
BNB Bank Bnb Bank 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 The First National Bank Of Groton 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 Main St Branch	0.75%	$100,000	-	Learn More Add Review
NorthEast Community Bank Northeast Community Bank Branch	0.75%	$1,000	-	Learn More Add Review
Kearny Bank Brooklyn Branch	0.70%	$500	-	Learn More Add Review
NBT Bank, National Association Canajoharie Branch	0.70%	$10,000	-	Learn More Add Review
PCSB Bank Pcsb Bank Branch	0.70%	$10,000	-	Learn More Add Review
Wayne Bank Callicoon 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 Ballston Spa National Bank Branch	0.65%	$500	-	Learn More Add Review
Bank of Millbrook Bank Of Millbrook 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 Carver Federal Savings Bank Branch	0.63%	$10,000	-	Learn More Add Review
The Upstate National Bank The Upstate National Bank Branch	0.60%	$100,000	-	Learn More Add Review
Pathfinder Bank Pathfinder Bank 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 The Bank Of Greene County 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 Alden State Bank Branch	0.55%	$500	-	Learn More Add Review
Chemung Canal Trust Company Chemung Canal Trust Company Branch	0.55%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Main St 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 Watertown Savings Bank 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 Adirondack Bank 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 Cambridge Branch	0.50%	$10,000	-	Learn More Add Review
Carthage Federal Savings and Loan Association Carthage Federal Savings And Loan As Branch	0.50%	$10,000	-	Learn More Add Review
Berkshire Bank Little Falls 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 Fulton Savings Bank Branch	0.50%	$500	-	Learn More Add Review
Five Star Bank Bank Of Avoca 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 Generations Bank 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 The Lyons National Bank 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 Savannah Bank National Association Branch	0.50%	$10,000	-	Learn More Add Review
Lake Shore Savings Bank Lake Shore Savings Bank Branch	0.45%	$500	-	Learn More Add Review
Cathay Bank Flushing Roosevelt 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 Conklin 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 Scarsdale 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 Cattaraugus County Bank 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 Lakewood Branch	0.28%	$10,000	-	Learn More Add Review
The North Country Savings Bank The North Country Savings Bank 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 Lowville State St Branch	0.25%	$100,000	-	Learn More Add Review
Tompkins Community Bank Tompkins Trust Company 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 Lowville State St 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)
KeyBank National Association Amsterdam 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 Cattaraugus County Bank 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 340 Madison Avenue 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 Fountain Plaza 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 Industrial And Commercial Bank Of China Usa, National Association 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 10116

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 Madison Avenue Branch	285 Madison Avenue	New York	NY
Capital One, National Association Capital One, National Association Branch	54375 Main Road	Southold	NY
Cross County Savings Bank Cross County Savings Bank Branch	79-21 Metropolitan Avenue	Middle Village	NY
Bank of Hope Bank Of Hope Branch	11 West 32nd Street	New York	NY
Ridgewood Savings Bank Ridgewood Savings Bank Branch	7102 Forest Avenue	Ridgewood	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 Westchester Square Branch	12 Westchester Square	Bronx	NY
Solvay Bank Solvay Bank Branch	1537 Milton Avenue	Solvay	NY
Citizens Endicott Branch	18 Washington Avenue	Endicott	NY
Ponce Bank Ponce Bank Branch	2244 Westchester Avenue	Bronx	NY
Genesee Regional Bank Genesee Regional Bank Branch	1850 South Winton Rd	Rochester	NY
Northfield Bank Bay Street Branch	385 Bay Street	Staten Island	NY
New Millennium Bank Bayside Branch	209-35 Northern Boulevard	Bayside	NY
Citibank, National Association Baybridge Branch	502-512 86th St.	Brooklyn	NY
JPMorgan Chase Bank, National Association Morgan Guar. Tr. Co. Of Ny Branch	60 Wall Street	New York	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 First National Bank Of Scotia Branch	201 Mohawk Avenue	Scotia	NY
City National Bank 400 Park Branch	400 Park Avenue	New York	NY
Woodforest National Bank 8031 Batavia New York Walmart Branch	4133 Veterans Memorial Drive	Batavia	NY
The Delaware National Bank of Delhi The Delaware National Bank Of Delhi Branch	124 Main Street	Delhi	NY
The Putnam County National Bank of Carmel The Putnam County National Bank Of C Branch	43 Gleneida Avenue	Carmel	NY
TrustCo Bank Tanners Main Branch	345 Main Street	Catskill	NY
Rhinebeck Bank Rhinebeck Bank Branch	6414 Montgomery Street	Rhinebeck	NY
Wallkill Valley Federal Savings and Loan Association Walden Branch	12-14 Main St	Walden	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 Walden Savings Bank Branch	15 Scotts Corners Drive	Montgomery	NY
Metropolitan Commercial Bank Metropolitan Commercial Bank Branch	99 Park Avenue	New York	NY
The First National Bank of Groton The First National Bank Of Groton Branch	159-163 Main Street	Groton	NY
Tioga State Bank National Association Tioga State Bank Branch	1 Main Street	Spencer	NY
Alma Bank Alma Bank Branch	28-31 31st Street	Astoria	NY
Pioneer Bank, National Association Pioneer Savings Bank Branch	652 Albany Shaker Road	Albany	NY
Dime Community Bank Bnb Bank Branch	2200 Montauk Highway	Bridgehampton	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
The First National Bank of Groton The First National Bank Of Groton Branch	159-163 Main Street	Groton	NY
Maple City Savings Bank, FSB Maple City Savings Bank, Fsb Branch	145 Main Street	Hornell	NY
Citizens & Northern Bank Main St Branch	3 Main Street	Canisteo	NY
NorthEast Community Bank Northeast Community Bank Branch	325 Hamilton Avenue	White Plains	NY
Kearny Bank Brooklyn Branch	689 Fifth Ave	Brooklyn	NY
NBT Bank, National Association Canajoharie Branch	20 Mohawk Street	Canajoharie	NY
PCSB Bank Pcsb Bank Branch	2477 Route 6	Brewster	NY
Wayne Bank Callicoon Branch	5 River Road	Callicoon	NY
Jeff Bank Jeff Bank Branch	4864 State Route 52	Jeffersonville	NY
Ballston Spa National Bank Ballston Spa National Bank Branch	87 Front Street	Ballston Spa	NY
Bank of Millbrook Bank Of Millbrook Branch	3263 Franklin Avenue	Millbrook	NY
Global Bank Global Bank Branch	8 Catherine Street	New York	NY
Carver Federal Savings Bank Carver Federal Savings Bank Branch	75 West 125th Street	New York	NY
The Upstate National Bank The Upstate National Bank Branch	729 Proctor Ave	Ogdensburg	NY
Pathfinder Bank Pathfinder Bank Branch	214 West First Street	Oswego	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
The Bank of Greene County The Bank Of Greene County Branch	425 Main Street	Catskill	NY
Jeff Bank Jeff Bank Branch	4864 State Route 52	Jeffersonville	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Alden State Bank Alden State Bank Branch	13216 Broadway	Alden	NY
Chemung Canal Trust Company Chemung Canal Trust Company Branch	One Chemung Canal Plaza	Elmira	NY
Citizens & Northern Bank Main St Branch	3 Main Street	Canisteo	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 Watertown Savings Bank Branch	111 Clinton Street	Watertown	NY
Gouverneur Savings and Loan Association Gouverneur Savings And Loan Associat Branch	42 Church Street	Gouverneur	NY
Adirondack Bank Adirondack Bank Branch	185 Genesee Street	Utica	NY
Arrow Bank National Association Cambridge Branch	25 West Main Street	Cambridge	NY
Carthage Savings and Loan, National Association Carthage Federal Savings And Loan As Branch	313 State St	Carthage	NY
Berkshire Bank Little Falls Branch	One West Main Street	Little Falls	NY
Fulton Savings Bank Fulton Savings Bank Branch	75 South First Street	Fulton	NY
Five Star Bank Bank Of Avoca Branch	19 South Main Street	Avoca	NY
Generations Bank Generations Bank Branch	19 Cayuga Street	Seneca Falls	NY
The Lyons National Bank The Lyons National Bank Branch	35 Williams Street	Lyons	NY
Savannah Bank National Association Savannah Bank National Association Branch	1565 Main Street	Savannah	NY
Lake Shore Savings Bank Lake Shore Savings Bank Branch	128 East 4th St	Dunkirk	NY
Cathay Bank Flushing Roosevelt Branch	135-34 Roosevelt Avenue	Flushing	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
Peoples Security Bank and Trust Company Conklin Branch	1026 Conklin Road	Conklin	NY
Bank of Hope Bank Of Hope Branch	11 West 32nd Street	New York	NY
Seneca Savings Seneca Savings Branch	35 Oswego St	Baldwinsville	NY
Webster Bank, National Association Scarsdale Branch	17 Popham Rd	Scarsdale	NY
Metro City Bank Bayside Branch	212-45 Northern Boulevard	Bayside	NY
Cattaraugus County Bank Cattaraugus County Bank Branch	116-20 Main Street	Little Valley	NY
Northwest Bank Lakewood Branch	311 East Fairmount Avenue	Lakewood	NY
The North Country Savings Bank The North Country Savings Bank Branch	127 Main Street	Canton	NY
Community Bank, National Association Lowville State St Branch	7605 N State Street	Lowville	NY
Tompkins Community Bank Tompkins Trust Company Branch	110 North Tioga Street	Ithaca	NY
Community Bank, National Association Lowville State St Branch	7605 N State Street	Lowville	NY
East West Bank 77 Bowery Branch	77 Bowery	New York	NY
KeyBank National Association Amsterdam Branch	6 Market Street	Amsterdam	NY
Cattaraugus County Bank Cattaraugus County Bank Branch	116-20 Main Street	Little Valley	NY
PNC Bank, National Association 340 Madison Avenue Branch	340 Madison Avenue Branch	New York	NY
Bank of America, National Association Fountain Plaza Branch	10 Fountain Plaza	Buffalo	NY
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	1633 Broadway	New York	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.

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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

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