Best 4-Year CD Rates in Virginia, VA

You are viewing rates from banks across Virginia

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.

VA - August 15, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
EagleBank Tysons Branch	4.20%	$1,000	-	Learn More Add Review
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
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 Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association Capital One, National Association Branch	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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 Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Benchmark Community Bank Benchmark Community Bank Branch	3.15% 2.25%	$501 $500	-	Learn More Add Review
Rate History: 3.30% → 3.15%
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Citizens Glen Allen Colleague Branch	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Citibank, National Association Tysons Corner Branch	2.00%	$0	-	Learn More
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 Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
United Bank Gainesville Branch	1.90%	$500	-	Learn More
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 Reviews (1)
City National Bank	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
Atlantic Union Bank Court House Branch	1.35%	$1,000	-	Learn More
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 Reviews (2)
Woodforest National Bank 0927 Martinsville Wal-Mart Branch	1.30%	$500	-	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 Reviews (2)
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Powell Valley National Bank Wise Branch	1.20%	$10,000	-	Learn More Add Review
Lee Bank and Trust Company Bristol Branch	1.06%	$10,000	-	Learn More Add Review
FVCbank Manassas Branch	1.05%	$10,000	-	Learn More Add Review
Fulton Bank, National Association Stony Point Branch	1.01%	$1,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
Bank of Botetourt Natural Bridge Station Branch	1.00%	$10,000	-	Learn More
GLENN HILL \| Mar 31, 2018 I have banked with Bank of Botetourt since 1960 when it was Bank of Troutville that later merged with Bank of Buchanan before becoming the Bank of Botetourt. An excellent bank with knowledgeable, helpful ... Read More Reviews (1)
MainStreet Bank Mainstreet Bank Branch	0.95%	$500	-	Learn More Add Review
VCC Bank Vcc Bank Branch	0.90%	$10,000	-	Learn More Add Review
John Marshall Bank Leesburg Branch	0.85%	$10,000	-	Learn More Add Review
The Freedom Bank of Virginia The Freedom Bank Of Virginia Branch	0.80%	$10,000	-	Learn More Add Review
Legacy Bank Hurley Branch	0.76%	$500	-	Learn More Add Review
First Bank South Woodstock Branch	0.75%	$500	-	Learn More Add Review
First Sentinel Bank Bluefield Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Charles Town Middleburg Branch	0.75%	$10,000	-	Learn More Add Review
CornerStone Bank, National Association College Square Branch	0.75%	$10,000	-	Learn More Add Review
Capon Valley Bank Western Frederick Branch	0.70%	$10,000	-	Learn More Add Review
Burke & Herbert Bank & Trust Company Burke Town Plaza Branch	0.70%	$10,000	-	Learn More Add Review
New Peoples Bank, Inc. Castlewood Office Branch	0.70%	$10,000	-	Learn More Add Review
Martinsville First Savings Bank Martinsville First Savings Bank Branch	0.70%	$10,000	-	Learn More Add Review
SKYLINE NATIONAL BANK Fairlawn Branch	0.65%	$1,000	-	Learn More Add Review
Pendleton Community Bank, Inc. Harrisonburg Branch	0.65%	$10,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.65%	$10,000	-	Learn More Add Review
Armed Forces Bank, National Association Fort Myer Branch	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
Hanmi Bank Annandale Branch	0.60%	$100,000	-	Learn More Add Review
Farmers & Merchants Bank Broadway Branch	0.60%	$10,000	-	Learn More Add Review
The Bank of Southside Virginia Colonial Heights Branch	0.60%	$10,000	-	Learn More Add Review
Pinnacle Bank Salem Branch	0.60%	$10,000	-	Learn More
jchitt@comcast.nrt \| Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More Reviews (3)
Hanmi Bank Annandale Branch	0.55%	$10,000	-	Learn More Add Review
Carter Bank & Trust Memorial Drive Branch	0.55%	$10,000	-	Learn More
Tom Brandy \| Aug 5, 2020 How Willian Investments Company Brought Happiness To My Home. Hello Everyone out there! My name is Tom Brandy, from USA, I am using this medium to announce to the general public on how Willian Investmen... Read More Reviews (1)
The Old Point National Bank of Phoebus Fort Monroe Branch	0.55%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
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
Shore United Bank Onley, Va Branch	0.50%	$500	-	Learn More Add Review
TruPoint Bank West Abingdon Branch	0.50%	$1,000	-	Learn More Add Review
Oak View National Bank Marshall Office Branch	0.50%	$10,000	-	Learn More Add Review
The First Bank and Trust Company East Abingdon Branch	0.50%	$10,000	-	Learn More Add Review
MVB Bank, Inc Reston Branch	0.50%	$10,000	-	Learn More Add Review
Blue Ridge Bank, National Association Stuart Branch	0.50%	$10,000	-	Learn More
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 Reviews (1)
Citizens and Farmers Bank Wellesley Branch	0.45%	$10,000	-	Learn More Add Review
Old Dominion National Bank Old Dominion National Bank Branch	0.45%	$10,000	-	Learn More Add Review
The National Bank of Blacksburg Us Route 11 Branch	0.42%	$500	-	Learn More Add Review
Citizens Bank and Trust Company Blackstone Shopping Center Branch	0.40%	$1,000	-	Learn More Add Review
Metro City Bank Centreville Branch	0.33%	$1,000	-	Learn More
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 Reviews (1)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
Pioneer Bank Harrisonburg Branch	0.25%	$10,000	-	Learn More
Charla M \| Jan 12, 2021 We are a commercial customer that have been with Pioneer Bank since 2014 when they were privately held in Dripping Springs. Since they were sold we have been through 3 bank managers and the Manager servic... Read More Reviews (1)
The Fidelity Bank Rocky Mount Branch	0.25%	$100,000	-	Learn More Add Review
Southern Bank and Trust Company Lynnhaven Branch	0.25%	$10,000	-	Learn More Add Review
First Community Bank Salem Branch	0.21%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
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
Bank of the James Main Street Branch	0.20%	$10,000	-	Learn More Add Review
Chain Bridge Bank, National Association Chain Bridge Bank, National Association Branch	0.20%	$10,000	-	Learn More Add Review
Towne Bank First Colonial Branch	0.20%	$10,000	-	Learn More Add Review
The Bank of Marion Washington Avenue Branch	0.20%	$10,000	-	Learn More Add Review
The Fidelity Bank Rocky Mount Branch	0.20%	$10,000	-	Learn More Add Review
Southern Bank and Trust Company Lynnhaven Branch	0.20%	$100,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	0.15%	$500	-	Learn More
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 Reviews (3)
U.S. Bank National Association	0.15%	$500	-	Learn More
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 Reviews (2)
First Horizon Bank State Street Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association Herndon Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Mathews Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
EagleBank Tysons Branch	8245 Boone Boulevard	Vienna	VA
Capital One, National Association Capital One, National Association Branch	2401 Smith Boulevard, Room B2518	Arlington	VA
Benchmark Community Bank Benchmark Community Bank Branch	Fifth Avenue And Commerce Street	Kenbridge	VA
Citizens Glen Allen Colleague Branch	10561 Telegraph Road	Glen Allen	VA
Benchmark Community Bank Benchmark Community Bank Branch	Fifth Avenue And Commerce Street	Kenbridge	VA
Citibank, National Association Tysons Corner Branch	8516 Leesburg Pike	Vienna	VA
United Bank Gainesville Branch	7905 Heritage Village Plaza	Gainesville	VA
Atlantic Union Bank Court House Branch	6720 Sutton Road	Gloucester	VA
Woodforest National Bank 0927 Martinsville Wal-Mart Branch	976 Commonwealth Blvd	Martinsville	VA
Powell Valley National Bank Wise Branch	540 West Main Street	Wise	VA
Lee Bank and Trust Company Bristol Branch	707 Gate City Highway	Bristol	VA
FVCbank Manassas Branch	7900 Sudley Road, Suite 100	Manassas	VA
Fulton Bank, National Association Stony Point Branch	9030 Stony Point Parkway	Richmond	VA
Bank of Botetourt Natural Bridge Station Branch	9 Lloyd Tolley Road	Natural Bridge Station	VA
MainStreet Bank Mainstreet Bank Branch	10089 Fairfax Blvd	Fairfax	VA
Locus Bank, Inc. Vcc Bank Branch	110 Peppers Ferry Road Nw	Christiansburg	VA
John Marshall Bank Leesburg Branch	842 S King St	Leesburg	VA
The Freedom Bank of Virginia The Freedom Bank Of Virginia Branch	10555 Main Street	Fairfax	VA
Legacy Bank Hurley Branch	10073 Hurley Road	Hurley	VA
First Bank South Woodstock Branch	860 South Main Street	Woodstock	VA
First Sentinel Bank Bluefield Branch	801 S. College Ave., Ste. 5	Bluefield	VA
Bank of Charles Town Middleburg Branch	115 The Plains Road, Suite 150	Middleburg	VA
CornerStone Bank College Square Branch	744 North Lee Highway	Lexington	VA
Capon Valley Bank Western Frederick Branch	6701 Northwestern Pike	Gore	VA
Burke & Herbert Bank & Trust Company Burke Town Plaza Branch	9516 Old Keene Mill Road	Burke	VA
New Peoples Bank, Inc. Castlewood Office Branch	87 Miners Drive	Castlewood	VA
Martinsville First Savings Bank Martinsville First Savings Bank Branch	25 W Church Street	Martinsville	VA
SKYLINE NATIONAL BANK Fairlawn Branch	7349 Perpper Ferry Boulevard	Radford	VA
Pendleton Community Bank, Inc. Harrisonburg Branch	41 Monte Vista Dr	Harrisonburg	VA
First National Bank First National Bank Branch	622 Broad Street	Altavista	VA
Armed Forces Bank, National Association Fort Myer Branch	108 Mcnair Road, Building 451	Fort Myer	VA
Hanmi Bank Annandale Branch	7140 Little River Turnpike, Suite 749	Annandale	VA
Farmers & Merchants Bank Broadway Branch	126 North Timber Way	Broadway	VA
The Bank of Southside Virginia Colonial Heights Branch	764 East Ellerslie Avenue	Colonial Heights	VA
Pinnacle Bank Salem Branch	8 East Main Street	Salem	VA
Hanmi Bank Annandale Branch	7140 Little River Turnpike, Suite 749	Annandale	VA
Carter Bank & Trust Memorial Drive Branch	998 Memorial Drive	Pulaski	VA
The Old Point National Bank of Phoebus Fort Monroe Branch	100 Griffith Street	Fort Monroe	VA
Shore United Bank, National Association Onley, Va Branch	25306 Lankford Hwy	Onley	VA
TruPoint Bank West Abingdon Branch	914 West Main Street	Abingdon	VA
Oak View National Bank Marshall Office Branch	4174 D Old Stockyard Road	Marshall	VA
The First Bank and Trust Company East Abingdon Branch	933 East Main Street	Abingdon	VA
MVB Bank, Inc Reston Branch	1801 Old Reston Avenue, Suite 103	Reston	VA
Blue Ridge Bank, National Association Stuart Branch	48 Animal Clinic Road	Stuart	VA
Citizens and Farmers Bank Wellesley Branch	3490 Lauderdale Drive	Richmond	VA
Old Dominion National Bank Old Dominion National Bank Branch	4916 Plank Road, Suite 216	North Garden	VA
The National Bank of Blacksburg Us Route 11 Branch	U.S.route 11	Dublin	VA
Citizens Bank and Trust Company Blackstone Shopping Center Branch	1575 South Main Street	Blackstone	VA
Metro City Bank Centreville Branch	5900 Centreville Crest Lane, Suite B	Centreville	VA
Pioneer Bank Harrisonburg Branch	890 West Market Street	Harrisonburg	VA
The Fidelity Bank Rocky Mount Branch	77 Powder Creek Lane	Rocky Mount	VA
Southern Bank and Trust Company Lynnhaven Branch	601 Lynnhaven Parkway	Virginia Beach	VA
First Community Bank Salem Branch	1406 S. Colorado Street	Salem	VA
Bank of the James Main Street Branch	828 Main Street	Lynchburg	VA
Chain Bridge Bank, National Association Chain Bridge Bank, National Association Branch	1445-A Laughlin Avenue	Mclean	VA
TowneBank First Colonial Branch	984 First Colonial Road	Virginia Beach	VA
The Bank of Marion Washington Avenue Branch	1026 South Main Street	Marion	VA
The Fidelity Bank Rocky Mount Branch	77 Powder Creek Lane	Rocky Mount	VA
Southern Bank and Trust Company Lynnhaven Branch	601 Lynnhaven Parkway	Virginia Beach	VA
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	906 Branchway Road	Richmond	VA
First Horizon Bank State Street Branch	901 West State Street	Bristol	VA
PNC Bank, National Association Herndon Branch	950 Herndon Parkway	Herndon	VA
Bank of America, National Association Mathews Branch	10458 Buckley Hall Road	Mathews	VA

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

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.

Safety

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.

Interest

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.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

SAVINGS & CD CALCULATOR

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