South Carolina

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Walterboro, South Carolina CD Rates – 4-Year

You are viewing rates from banks across Walterboro





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.

Walterboro, SC - August 1, 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: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%

| Jul 3, 2023

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

| 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

0.90%

$10,000

1.54

Learn More

| 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

0.40%

$10,000

22.70

Learn More

| Oct 10, 2020

Great banking experience. Love this bank! Read More

| 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

| 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

| 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

| 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

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 Walterboro, SC - August 1, 2025


Branch Street City State
Woodforest National Bank
8017 Walterboro Branch
2110 Bells Highway Walterboro SC
1st Federal Savings Bank of SC, Inc.
First Federal Of South Carolina, Fsb Branch
300 Robertson Boulevard Walterboro SC
Enterprise Bank of South Carolina
Enterprise Bank Of South Carolina Branch
13497 Broxton Bridge Road Ehrhardt SC
Bank of the Lowcountry
Bank Of Walterboro Branch
1100 North Jefferies Boulevard Walterboro SC
The Citizens Bank
St. George Branch
5730 W. Memorial Blvd. Saint George SC
First-Citizens Bank & Trust Company
St. George Branch
129 North Parler Avenue Saint George 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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