Best 4-Year CD Rates in Tega Cay, South Carolina, SC

You are viewing rates from banks across Tega Cay

Below are four-year CD Rates from banks in South Carolina . 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.

Tega Cay, SC - 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
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)
Woodruff Federal Savings and Loan Association Woodruff Federal Savings And Loan As Branch	3.09%	$1,000	-	Learn More Add Review
Rate History: 3.80% → 3.19% → 3.29% → 3.19% → 3.09%
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
Spratt Savings Bank Spratt Savings And Loan Association Branch	1.61%	$500	-	Learn More Add Review
First Capital Bank Bennettsville Branch	1.40%	$10,000	-	Learn More Add Review
Woodforest National Bank 8003 West Columbia South Carolina Wa 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)
Anderson Brothers Bank Anderson Brothers Bank Branch	1.15%	$100,000	-	Learn More
Susan G \| Jun 29, 2021 CD rates are not posted on any advertised sites. Contact Anderson Brothers Bank at 800-345-8081 during normal business hours Monday - Friday 8:30 AM - 5:00 PM EST. Read More Reviews (30)
CoastalStates Bank Coastalstates Bank Branch	1.00%	$10,000	-	Learn More Add Review
1st Federal Savings Bank of SC, Inc. First Federal Of South Carolina, Fsb Branch	0.90%	$10,000	-	Learn More Add Review
Anderson Brothers Bank Anderson Brothers Bank Branch	0.85%	$10,000	-	Learn More
Susan G \| Jun 29, 2021 CD rates are not posted on any advertised sites. Contact Anderson Brothers Bank at 800-345-8081 during normal business hours Monday - Friday 8:30 AM - 5:00 PM EST. Read More Reviews (30)
Oconee Federal Savings and Loan Association Oconee Federal Savings And Loan Asso Branch	0.80%	$10,000	-	Learn More
Bonjo \| Nov 10, 2022 Sammi rude I feel she gets mad if she has to do anything Seneca up town bank like she is scholing me no people skills very moody needs to be talked to Read More Reviews (1)
Coastal Carolina National Bank Aiken Branch	0.80%	$10,000	-	Learn More
hmb627 \| Sep 21, 2021 Best bank in town! Read More Reviews (1)
The Conway National Bank The Conway National Bank Branch	0.79%	$100,000	-	Learn More Add Review
First Reliance Bank First Reliance Bank Branch	0.75%	$10,000	-	Learn More
Sandra \| Apr 13, 2019 Shout out to the 2nd Loop branch. These people are the friendliest employees. I have so enjoyed doing business with them. They go way beyond their job descriptions to help you. AND I have never had to wait... Read More Reviews (1)
ServisFirst Bank Charleston Branch	0.71%	$10,000	-	Learn More Add Review
First National Bank of Pennsylvania Gaffney Branch	0.70%	$10,000	-	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
Countybank Countybank Branch	0.65%	$10,000	-	Learn More Add Review
The Conway National Bank The Conway National Bank Branch	0.64%	$10,000	-	Learn More Add Review
First Bank Latta Branch	0.60%	$100,000	-	Learn More Add Review
Pinnacle Bank Myrtle Beach Grissom Branch	0.60%	$10,000	-	Learn More
jchitt@comcast.nrt \| Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More Reviews (3)
Palmetto State Bank Estill Branch	0.60%	$100,000	-	Learn More Add Review
First Bank Latta Branch	0.50%	$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
The Peoples Bank The Peoples Bank Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Travelers Rest Bank Of Travelers Rest Branch	0.50%	$1,000	-	Learn More Add Review
Blue Ridge Bank Blue Ridge Bank Branch	0.45%	$10,000	-	Learn More Add Review
Synovus Bank Sumter Branch	0.45%	$10,000	-	Learn More
deb \| Jun 11, 2015 Synovus no longer offers this rate as of 5/8/2015---I called and asked Read More Reviews (1)
Security Federal Bank Security Federal Bank Branch	0.45%	$10,000	-	Learn More
Angry \| Aug 8, 2022 DO NOT USE THIS BANK!!!! My brother passed and unfortunately he had a savings account with these thieves. I properly went through probate court and got an Order for the bank to release the funds to me and... Read More Reviews (2)
Carolina Bank & Trust Co. Carolina Bank & Trust Co. Branch	0.40%	$10,000	-	Learn More Add Review
Enterprise Bank of South Carolina Enterprise Bank Of South Carolina Branch	0.40%	$10,000	-	Learn More Add Review
South Atlantic Bank South Atlantic Bank Branch	0.40%	$10,000	-	Learn More Add Review
Bank of the Lowcountry Bank Of Walterboro Branch	0.35%	$10,000	-	Learn More
Dee Snutz \| Oct 10, 2020 Great banking experience. Love this bank! Read More Reviews (1)
The Citizens Bank The Citizens Bank Branch	0.30%	$1,000	-	Learn More
MadAnn \| Dec 12, 2019 My debit card stopped working 5 weeks ago and I requested 6 times for a new card with the same number to be issued........never got the card, after I was told during my last call (over an hour of nonsense)... Read More Reviews (1)
First Community Bank Newberry Branch	0.30%	$10,000	-	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
Bank of York Bank Of York Branch	0.25%	$10,000	-	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
Arthur State Bank Woodruff Main Street Branch	0.20%	$10,000	-	Learn More Add Review
Ameris Bank Beaufort Branch	0.20%	$10,000	-	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
Palmetto State Bank Estill Branch	0.20%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company Bishopville Branch	0.15%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
First Horizon Bank Pine St Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank Greenville Sc Main Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
PNC Bank, National Association Five Point 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 Tower 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)

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 10007

Branch	Street	City	State
Woodruff Federal Savings and Loan Association Woodruff Federal Savings And Loan As Branch	247 North Main Street	Woodruff	SC
Spratt Savings Bank Spratt Savings And Loan Association Branch	121 Saluda St	Chester	SC
First Capital Bank Bennettsville Branch	207 Highway 15-401 By-Pass East	Bennettsville	SC
Woodforest National Bank 8003 West Columbia South Carolina Wa Branch	2401 Augusta Road	West Columbia	SC
Anderson Brothers Bank Anderson Brothers Bank Branch	101 North Main Street	Mullins	SC
Coastal States Bank Coastalstates Bank Branch	5 Bow Circle	Hilton Head Island	SC
1st Federal Savings Bank of SC, Inc. First Federal Of South Carolina, Fsb Branch	300 Robertson Boulevard	Walterboro	SC
Anderson Brothers Bank Anderson Brothers Bank Branch	101 North Main Street	Mullins	SC
Oconee Federal Savings and Loan Association Oconee Federal Savings And Loan Asso Branch	115 East North 2nd Street	Seneca	SC
Coastal Carolina National Bank Aiken Branch	128 Laurens Street, Nw	Aiken	SC
The Conway National Bank The Conway National Bank Branch	1400 Third Avenue	Conway	SC
First Reliance Bank First Reliance Bank Branch	2170 West Palmetto Street	Florence	SC
ServisFirst Bank Charleston Branch	701 East Bay Street	Charleston	SC
First National Bank of Pennsylvania Gaffney Branch	217 North Granard Street	Gaffney	SC
Countybank Countybank Branch	419 Main Street	Greenwood	SC
The Conway National Bank The Conway National Bank Branch	1400 Third Avenue	Conway	SC
First Bank Latta Branch	100 East Leitner Street	Latta	SC
Pinnacle Bank Myrtle Beach Grissom Branch	3751 Robert M. Grissom Parkway Suite 100	Myrtle Beach	SC
Palmetto State Bank Estill Branch	106 East 3rd Street	Estill	SC
First Bank Latta Branch	100 East Leitner Street	Latta	SC
The Peoples Bank The Peoples Bank Branch	801 East Front Street	Iva	SC
Bank of Travelers Rest Bank Of Travelers Rest Branch	42 Plaza Drive	Travelers Rest	SC
Blue Ridge Bank Blue Ridge Bank Branch	100 East Main Street	Walhalla	SC
Synovus Bank Sumter Branch	One Broad Street	Sumter	SC
Security Federal Bank Security Federal Bank Branch	238 Richland Avenue, Nw	Aiken	SC
Carolina Bank & Trust Co. Carolina Bank & Trust Co. Branch	114 South Main Street	Lamar	SC
Enterprise Bank of South Carolina Enterprise Bank Of South Carolina Branch	13497 Broxton Bridge Road	Ehrhardt	SC
South Atlantic Bank South Atlantic Bank Branch	630 29th Ave North	Myrtle Beach	SC
Bank of the Lowcountry Bank Of Walterboro Branch	1100 North Jefferies Boulevard	Walterboro	SC
The Citizens Bank The Citizens Bank Branch	124 East Main Street	Olanta	SC
First Community Bank Newberry Branch	1735 Wilson Road	Newberry	SC
Bank of York Bank Of York Branch	13 W Liberty St	York	SC
Arthur State Bank Woodruff Main Street Branch	131 S Main Street	Woodruff	SC
Ameris Bank Beaufort Branch	2348 Boundary Street	Beaufort	SC
Palmetto State Bank Estill Branch	106 East 3rd Street	Estill	SC
First-Citizens Bank & Trust Company Bishopville Branch	144 South Main Street	Bishopville	SC
First Horizon Bank Pine St Branch	215 North Pine Street	Spartanburg	SC
Regions Bank Greenville Sc Main Branch	290 S. Pleasantburg Drive	Greenville	SC
PNC Bank, National Association Five Point Branch	2000 West Palmetto Street	Florence	SC
Bank of America, National Association Tower Branch	1301 Gervais Street	Columbia	SC
Regions Bank Greenville Sc Main Branch	290 S. Pleasantburg Drive	Greenville	SC

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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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Tega Cay, South Carolina CD Rates – 4-Year

Branches Info around zip 10007

PRODUCT INFORMATION

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

SAVINGS & CD CALCULATOR

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