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You are viewing rates from banks across Bonham
Below are four-year CD Rates from banks in Texas . 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.
Bonham, TX - August 31, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.10% |
$10,000 |
- |
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Early Withdrawal Penalty is 365 days interest. |
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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 |
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3.90% |
$25,000 |
- |
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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2.75% |
$500 |
- |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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2.75% |
$5,000 |
- |
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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 |
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2.00% |
$10,000 |
22.36 |
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Rate History: 2.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.21% |
$100,000 |
12.38 |
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1.16% |
$10,000 |
16.62 |
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rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
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1.15% |
$10,000 |
12.38 |
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1.15% |
$10,000 |
0.59 |
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0.95% |
$10,000 |
13.44 |
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0.75% |
$1,000 |
15.87 |
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0.75% |
$1,000 |
0.44 |
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0.60% |
$10,000 |
16.62 |
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rhon1334 | Aug 12, 2021 Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More |
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0.50% |
$1,000 |
- |
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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 |
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0.50% |
$10,000 |
19.99 |
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0.25% |
$10,000 |
- |
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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 |
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0.25% |
$10,000 |
14.47 |
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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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| Branch | Street | City | State |
|---|---|---|---|
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JPMorgan Chase Bank, National Association Drive-In Branch |
312 West Woodard | Denison | TX |
|
Cendera Bank, National Association North Branch |
1105 North Ole Ambrose Road | Bells | TX |
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The First National Bank of Tom Bean The First National Bank Of Tom Bean Branch |
109 S Britton St | Tom Bean | TX |
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Cendera Bank, National Association North Branch |
1105 North Ole Ambrose Road | Bells | TX |
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Fannin Bank Fannin Bank Branch |
230 East 3rd Street | Bonham | TX |
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CapTex Bank The First National Bank Of Trenton Branch |
106 Hamilton Square | Trenton | TX |
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Alliance Bank Wolfe City Office Branch |
101 East Main | Wolfe City | TX |
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Legend Bank, N.A. Bonham Branch |
502 North Center Street | Bonham | TX |
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The First National Bank of Tom Bean The First National Bank Of Tom Bean Branch |
109 S Britton St | Tom Bean | TX |
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The First Bank of Celeste The First Bank Of Celeste Branch |
301 N. Hwy 69 | Celeste | TX |
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First United Bank and Trust Company Leonard Branch |
200 W Collins Street | Leonard | TX |
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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