Ohio

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Lebanon, Ohio CD Rates – 4-Year

You are viewing rates from banks across Lebanon

 

Below are four-year CD Rates from banks in Ohio . 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.

Lebanon, OH - July 8, 2025

4 Year CD National Average : 0.82% ?

Banks APY MIN MILES ?

Rate History: 3.95% → 3.85% → 3.80% → 3.45%

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 1.00% → 1.30% → 1.40% → 1.30%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

| Mar 21, 2020

Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More

| Mar 21, 2020

Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More

0.80%

$500

18.73

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| Feb 5, 2020

We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would n... Read More

0.70%

$1,000

8.12

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0.65%

$10,000

21.53

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0.60%

$500

15.03

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| Mar 18, 2021

I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More

| Mar 4, 2017

For greater Cincinnati customers only. Read More

0.45%

$1,000

14.19

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0.35%

$10,000

14.33

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0.35%

$10,000

19.01

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0.35%

$10,000

16.01

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0.30%

$10,000

19.13

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0.26%

$10,000

23.77

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| 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

Rate History: 0.03% → 0.05%

| 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

| 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

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 Lebanon, OH - July 8, 2025


Branch Street City State
Farmers & Merchants Bank
Germantown Branch
2367 Beechwood Drive Germantown OH
XD Bank
Cincinnati Branch
7880 Montgomery Rd Cincinnati OH
JPMorgan Chase Bank, National Association
Fairfield Branch
5200 Pleasant Avenue Fairfield OH
Woodforest National Bank
0436 Evandale Wal-Mart Branch
2801 Cunningham Drive Cincinnati OH
Union Savings Bank
Fairfield Branch
721 Wessel Dr. Fairfield OH
Union Savings Bank
Fairfield Branch
721 Wessel Dr. Fairfield OH
RiverHills Bank
Milford Branch
301 Main Street Milford OH
Civista Bank
Springboro Pike Branch
9700 Springboro Pike Miamisburg OH
The Farmers State Bank
Springboro Branch
65 West Central Avenue Springboro OH
WesBanco Bank, Inc.
Finneytown Branch
8670 Winton Rd Cincinnati OH
The First National Bank of Germantown
The First National Bank Of Germantow Branch
17 North Main Street Germantown OH
The Huntington National Bank
North College Hill Branch
7030 Hamilton Avenue Cincinnati OH
CenterBank
Centerbank Branch
744 State Route 28 Milford OH
The Park National Bank
2415 West Chester - Pnb Branch
8366 Princeton-Glendale Road - Suite A West Chester OH
The Old Fort Banking Company
Centerville Loan Production Office Branch
250 Regency Ridge Drive Centerville OH
LCNB National Bank
Fairfield Branch
765 Nilles Road Fairfield OH
The First National Bank of Blanchester
The First National Bank Of Blanchest Branch
121 East Main Street Blanchester OH
First Financial Bank
Main Street Branch
970 Main Street Hamilton OH
First State Bank
Saint Bernard Branch
4901 Vine Street Cincinnati OH
U.S. Bank National Association
Rossville Branch
540 Main Street Hamilton OH
KeyBank National Association
Hamilton Downtown Branch
6 South Second Street Hamilton OH
PNC Bank, National Association
Groesbeck Branch
7044 Colerain Street Cincinnati OH


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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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