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You are viewing rates from banks across Texarkana
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.
Texarkana, TX - July 16, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.50% |
$0 |
21.47 |
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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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1.35% |
$10,000 |
6.94 |
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Steve | Mar 19, 2021 ... Read More |
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1.30% |
$500 |
22.64 |
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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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1.15% |
$10,000 |
17.27 |
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1.11% |
$10,000 |
3.53 |
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1.05% |
$10,000 |
4.18 |
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0.55% |
$10,000 |
21.14 |
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0.35% |
$10,000 |
13.59 |
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0.05% 0.01% |
$2,501 $2,500 |
21.15 |
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Rate History: 0.03% → 0.05% |
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| Branch | Street | City | State |
|---|---|---|---|
|
Capital One, National Association Capital One, National Association Branch |
107 Loop 59 | Atlanta | TX |
|
Texana Bank, National Association Richmond Road Branch |
3620 Richmond Road | Texarkana | TX |
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Woodforest National Bank 0751 Atlanta Wal-Mart Branch |
201 Us Hwy 59 Loop | Atlanta | TX |
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Farmers Bank & Trust Company New Boston Branch |
416 North Mccoy Blvd | New Boston | TX |
|
State Bank of De Kalb Richmond Road Branch |
3315 Richmond Road | Texarkana | TX |
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Commercial National Bank of Texarkana Commercial National Bank Of Texarkan Branch |
5515 Summerhill Road | Texarkana | TX |
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Guaranty Bank & Trust, N.A. Atlanta Texas Branch |
209 W. Main Street | Atlanta | TX |
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The First National Bank of Hughes Springs Maud Branch |
406 Broadway | Maud | TX |
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Regions Bank Atlanta Main Branch |
307 North William Street | Atlanta | TX |
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Regions Bank Atlanta Main Branch |
307 North William Street | Atlanta | 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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