Image Courtesy: www.pixabay.com
Image Courtesy: www.pixabay.com
You are viewing rates from banks across Georgetown
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.
Georgetown, TX - December 16, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
3.30% |
$10,000 |
- |
Learn More
|
|
|
Early Withdrawal Penalty is 365 days interest. |
||||
|
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 |
||||
|
2.75% |
$500 |
- |
Learn More
|
|
|
2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
||||
|
2.75% |
$5,000 |
- |
Learn More
|
|
|
Rate History: 2.75% → 2.75% → 2.75% → 2.75% |
||||
|
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 |
||||
|
1.30% |
$500 |
18.08 |
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 |
||||
|
1.15% |
$10,000 |
7.09 |
Learn More
|
|
|
1.00% |
$10,000 |
9.51 |
Learn More
|
|
|
Rhepler | Aug 4, 2022 Great CD rates & service Read More |
||||
|
0.98% |
$100,000 |
18.17 |
Learn More
|
|
|
0.90% |
$10,000 |
6.07 |
Learn More
|
|
|
0.83% |
$10,000 |
18.17 |
Learn More
|
|
|
0.75% |
$100,000 |
11.84 |
Learn More
|
|
|
0.50% |
$1,000 |
- |
Learn More
|
|
|
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 |
||||
|
0.50% |
$10,000 |
11.84 |
Learn More
|
|
|
0.25% |
$1 |
12.39 |
Learn More
|
|
|
Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
||||
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
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 |
||||
|
0.05% 0.01% |
$501 $500 |
17.98 |
Learn More
|
|
|
Rate History: 0.03% → 0.05% |
||||
| Branch | Street | City | State |
|---|---|---|---|
|
Woodforest National Bank 0665 Austin Walmart Branch |
8201 North F.M. 620 | Austin | TX |
|
Round Top State Bank Round Rock Branch |
2250 North Aw Grimes Blvd | Round Rock | TX |
|
Susser Bank Round Rock Branch |
1750 Round Rock Ave | Round Rock | TX |
|
Southwestern National Bank Austin Branch |
11220 North Lamar, Suite A-100 | Austin | TX |
|
Extraco Banks, National Association Round Rock In Store #2 Branch |
250 University Blvd | Round Rock | TX |
|
Southwestern National Bank Austin Branch |
11220 North Lamar, Suite A-100 | Austin | TX |
|
International Bank of Commerce Leander H-E-b Instore Branch |
651 North Us Hwy 183 | Leander | TX |
|
International Bank of Commerce Leander H-E-b Instore Branch |
651 North Us Hwy 183 | Leander | TX |
|
Comerica Bank Cedar Park Branch |
810 E. Whitestone Blvd., Bldg. C | Cedar Park | TX |
|
Regions Bank Regions Bank Branch |
18643 Fm 1431 | Jonestown | TX |
|
Regions Bank Regions Bank Branch |
18643 Fm 1431 | Jonestown | 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.
Use or Change these Amounts And Rates
