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You are viewing rates from banks across Front Royal
Below are four-year CD Rates from banks in Virginia . 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.
Front Royal, VA - 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 |
- |
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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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3.50% |
$0 |
23.61 |
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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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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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1.90% |
$500 |
18.69 |
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Jimleestro | Apr 12, 2019 United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More |
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1.35% |
$1,000 |
9.79 |
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tedd | Jun 28, 2021 They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. Read More |
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1.30% |
$500 |
0.20 |
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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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0.75% |
$500 |
18.53 |
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0.70% |
$10,000 |
24.49 |
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0.60% |
$10,000 |
17.85 |
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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 |
16.31 |
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0.50% |
$10,000 |
17.75 |
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0.50% |
$10,000 |
23.55 |
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Jack | Jul 20, 2020 This bank is very bad. I am posting my story here now, hoping to make a reference for those friends who want to become their customers. I was very excited when I saw Blue Ridge Bank, N.A. on Google beca... Read More |
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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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0.20% |
$1,000 |
- |
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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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0.15% |
$500 |
1.04 |
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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| Branch | Street | City | State |
|---|---|---|---|
|
Capital One, National Association Northrock Shopping Ctr/Warrenton Bra Branch |
521 Fletcher Dr | Warrenton | VA |
|
United Bank Woodstock Branch |
1014 South Main Street | Woodstock | VA |
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Atlantic Union Bank Fredericktowne Crossing Branch |
240 Elizabeth Drive | Stephens City | VA |
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Woodforest National Bank Front Royal Walmart Branch |
10 Riverton Commons Drive | Front Royal | VA |
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First Bank South Woodstock Branch |
860 South Main Street | Woodstock | VA |
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Capon Valley Bank Western Frederick Branch |
6701 Northwestern Pike | Gore | VA |
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Farmers & Merchants Bank Woodstock Branch |
161 South Main Street | Woodstock | VA |
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Oak View National Bank Marshall Office Branch |
4174 D Old Stockyard Road | Marshall | VA |
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The First Bank and Trust Company Woodstock Office Branch |
121 N Main Street | Woodstock | VA |
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Blue Ridge Bank, National Association Luray Branch |
17 West Main Street | Luray | VA |
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First-Citizens Bank & Trust Company Front Royal Branch |
305-7 East Main Street | Front Royal | VA |
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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