Pennsylvania

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Emmaus, Pennsylvania CD Rates – 4-Year

You are viewing rates from banks across Emmaus





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

Emmaus, PA - August 2, 2025

4 Year CD National Average : 0.82% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%

| 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

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 4.25% → 4.00% → 3.75%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| 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

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

1.10%

$10,000

22.30

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| Jul 11, 2020

A great bank. Rates are competitive and they have outstanding customer service. Read More

| Aug 11, 2021

I had been using Ambler Savings for as long as I can remember and never had any issues with them until around 2019. My card and account were constantly being frozen and I had to call to have it unfrozen. W... Read More

| Aug 23, 2016

Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More

0.80%

$500

23.68

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0.75%

$500

17.76

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| Nov 8, 2019

farmer Read More

| Apr 21, 2020

Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More

0.70%

$10,000

19.62

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| Jul 14, 2018

Excellent customer service Read More

| Feb 22, 2023

Where to begin with this ghetto bank? You make a cash deposit but you can't make a withdraw the same day. You make a deposit and it doesn't show up until the next day. You're limited to a low atm amount e... Read More

0.70%

$10,000

5.16

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0.65%

$10,000

9.36

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0.65%

$10,000

4.80

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0.60%

$10,000

14.61

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0.50%

$500

16.82

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| 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

| 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

| 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

0.25%

$100,000

23.63

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| 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

0.20%

$10,000

23.63

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0.10%

$10,000

5.60

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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

| 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

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 Emmaus, PA - August 2, 2025


Branch Street City State
Quaint Oak Bank
Allentown Branch
1710 Union Blvd. Allentown PA
Woodforest National Bank
0368 Bechtelsville Wal-Mart Branch
567 Route 100 North Bechtelsville PA
The Victory Bank
The Victory Bank Branch
548 North Lewis Road Limerick PA
Fulton Bank, National Association
Pottstown Branch
799 State Street Pottstown PA
Unity Bank
Forks Township Branch
1700 Sullivan Trail Easton PA
Ambler Savings Bank
Bally Br Branch
323 Main Street Bally PA
Harleysville Bank
Upper Providence Branch
1889 Ridge Pike Royersford PA
Phoenixville Federal Bank and Trust
Royersford Branch
70 North Lewis Rd Royersford PA
Fleetwood Bank
Fleetwood Bank Branch
Main And Franklin Streets Fleetwood PA
Wilmington Savings Fund Society, FSB
Limerick Branch
543 N. Lewis Road Limerick PA
First National Bank of Pennsylvania
Exeter Branch
5140 Perkiomen Avenue Reading PA
First Northern Bank and Trust Company
First Northern Bank And Trust Compan Branch
Fourth Street And Lafayette Avenue Palmerton PA
Embassy Bank for the Lehigh Valley
Trexlertown Marketplace Branch
6379 Hamilton Boulevard Allentown PA
Penn Community Bank
Milford Branch
400 Commerce Blvd Quakertown PA
QNB Bank
Wescosville Branch
950 Mill Creek Road Allentown PA
The Neffs National Bank
The Neffs National Bank Branch
5629 Pennsylvania Route 873 Neffs PA
American Bank
American Bank Branch
4029 West Tilghman Street Allentown PA
ESSA Bank & Trust
New Tripoli Branch
6302 Route 309 New Tripoli PA
Univest Bank and Trust Co.
Frederick Mennonite Branch
2849 Big Road Frederick PA
New Tripoli Bank
New Tripoli Bank Branch
Market And Madison Streets New Tripoli PA
The Bank of Princeton
Montgomery Branch
1222 North Welsh Road North Wales PA
Peoples Security Bank and Trust Company
Lehigh Valley Branch
2355 City Line Road Bethlehem PA
Community Bank, National Association
Lehighton Branch
120 North First Street Lehighton PA
Community Bank, National Association
Lehighton Branch
120 North First Street Lehighton PA
Firstrust Savings Bank
Allentown Branch
1403 North Cedar Crest Boulevard Allentown PA
KeyBank National Association
Douglassville Branch
1191 Ben Franklin Highway West Douglassville PA
PNC Bank, National Association
Mahoning Valley Branch
1279 Blakeslee Boulevard Lehighton PA
Bank of America, National Association
15th And Allen Streets Branch
1443 West Allen Street Allentown PA


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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