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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Smyrna
Below are four-year CD Rates from banks in Tennessee . 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.
Smyrna, TN - July 16, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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1.51% |
$10,000 |
18.91 |
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Rate History: 1.76% → 1.51% |
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1.11% |
$10,000 |
23.66 |
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1.00% |
$100,000 |
15.56 |
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0.94% |
$10,000 |
19.56 |
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0.90% |
$10,000 |
17.34 |
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0.90% |
$10,000 |
20.04 |
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0.90% |
$10,000 |
15.56 |
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0.90% |
$10,000 |
24.51 |
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Burcalguy | Nov 4, 2019 So convenient, the branch is right around the corner and the process (paper work) was minimal. I had some extra cash sitting in a very low interest rate savings account in another state that made sense to ... Read More |
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0.76% |
$10,000 |
0.75 |
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0.75% |
$10,000 |
16.39 |
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0.75% |
$10,000 |
11.26 |
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Terry | Jun 7, 2018 Fabulous bank Read More |
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0.70% |
$10,000 |
18.33 |
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0.65% |
$10,000 |
18.77 |
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0.60% |
$10,000 |
20.33 |
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jchitt@comcast.nrt | Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More |
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0.60% |
$10,000 |
17.71 |
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0.55% |
$10,000 |
18.43 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.50% |
$10,000 |
18.01 |
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0.25% |
$10,000 |
18.43 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.15% |
$500 |
16.91 |
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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 |
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0.15% |
$500 |
19.10 |
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Ugg | 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 |
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0.10% |
$1,000 |
19.49 |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.05% 0.01% |
$2,501 $2,500 |
19.08 |
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Rate History: 0.03% → 0.05% |
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0.03% |
$100,000 |
22.35 |
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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 |
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0.01% |
$500 |
19.12 |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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