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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Richardson
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.
Richardson, TX - August 1, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
Learn More
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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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4.05% |
$25,000 |
- |
Learn More
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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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3.95% |
$1,000 |
13.98 |
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3.50% |
$0 |
23.35 |
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Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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3.45% |
$1,000 |
8.75 |
Learn More
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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3.35% 0.35% |
$250,000 $1,000 |
10.01 |
Learn More
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% |
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NORTY FLATZ | Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More |
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3.35% 3.30% |
$100,000 $500 |
4.26 |
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3.34% |
$10,000 |
8.08 |
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Rate History: 4.45% → 3.34% |
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Ange | Aug 20, 2019 Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More |
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3.29% |
$500 |
18.41 |
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3.04% |
$500 |
13.13 |
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Rate History: 4.07% → 3.71% → 3.51% → 3.35% → 3.04% |
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2.75% |
$500 |
- |
Learn More
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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 |
- |
Learn More
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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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2.53% |
$1,000 |
13.62 |
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Rate History: 3.05% → 2.53% |
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2.00% |
$0 |
12.07 |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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1.55% |
$100,000 |
19.16 |
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Aku | May 29, 2020 Dua Read More |
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1.30% |
$500 |
17.25 |
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Rate History: 1.00% → 1.30% → 1.40% → 1.30% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.21% |
$10,000 |
17.31 |
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1.15% |
$10,000 |
13.68 |
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1.15% |
$1,000 |
4.13 |
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1.11% |
$10,000 |
4.72 |
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Randall Stewart | Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More |
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1.00% |
$100,000 |
9.67 |
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1.00% |
$10,000 |
12.00 |
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Rhepler | Aug 4, 2022 Great CD rates & service Read More |
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0.98% |
$100,000 |
4.45 |
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0.95% |
$10,000 |
23.92 |
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0.95% |
$10,000 |
9.67 |
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0.85% |
$10,000 |
16.92 |
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0.83% |
$10,000 |
4.45 |
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0.80% |
$10,000 |
12.03 |
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0.80% |
$10,000 |
24.28 |
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Splashgirl1961@gmail.com | Jan 8, 2024 Awful, rude unprofessional! Beware Read More |
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0.75% |
$1,000 |
18.62 |
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0.75% |
$10,000 |
24.37 |
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0.70% |
$10,000 |
12.72 |
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0.70% |
$10,000 |
10.90 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.70% |
$10,000 |
12.20 |
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0.65% |
$10,000 |
19.77 |
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0.65% |
$10,000 |
10.29 |
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0.65% |
$100,000 |
10.31 |
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.60% |
$10,000 |
4.39 |
Learn More
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elizabethcoker22@gmail.com | Mar 6, 2021 My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More |
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0.60% |
$10,000 |
14.31 |
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0.60% |
$250 |
8.11 |
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0.55% |
$10,000 |
24.13 |
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0.55% |
$10,000 |
4.59 |
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0.50% |
$1,000 |
- |
Learn More
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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 |
19.74 |
Learn More
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Ernie Bramlett | Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More |
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0.49% |
$10,000 |
10.31 |
Learn More
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.40% |
$50,000 |
7.26 |
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0.40% |
$10,000 |
11.88 |
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0.40% |
$10,000 |
14.86 |
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0.33% |
$1,000 |
22.20 |
Learn More
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$10,000 |
5.53 |
Learn More
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.25% |
$1,000 |
6.42 |
Learn More
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jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
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0.25% |
$10,000 |
- |
Learn More
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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 |
11.51 |
Learn More
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0.25% |
$10,000 |
12.21 |
Learn More
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Ralph | Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More |
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.20% |
$10,000 |
9.54 |
Learn More
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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0.15% |
$500 |
6.44 |
Learn More
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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% |
$1 |
23.82 |
Learn More
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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 |
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0.15% |
$500 |
4.72 |
Learn More
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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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0.05% 0.01% |
$2,501 $2,500 |
24.04 |
Learn More
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Rate History: 0.03% → 0.05% |
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0.03% |
$100,000 |
23.49 |
Learn More
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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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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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