Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Edmonds
Below are four-year CD Rates from banks in Washington . 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.
Edmonds, WA - August 2, 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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3.90% |
$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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3.70% |
$1,000 |
13.60 |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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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 |
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3.45% |
$1,000 |
16.12 |
Learn More
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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3.40% |
$100 |
13.82 |
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Rate History: 4.50% → 4.00% → 3.90% → 3.65% → 3.40% |
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3.35% 0.35% |
$250,000 $1,000 |
16.04 |
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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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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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2.68% |
$1,000 |
13.23 |
Learn More
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Rate History: 2.22% → 1.97% → 1.92% → 1.76% → 2.68% |
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2.53% |
$1,000 |
13.52 |
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Rate History: 3.05% → 2.53% |
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1.32% 1.10% |
$100,000 $500 |
13.52 |
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Tami Phillips | Aug 15, 2019 I DO NOT LIKE THIS BANK, MORE THAN ONCE I HAVE BEEN HUMILIATED BY THIS BANK AND THEIR CARDS. Read More |
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1.15% |
$10,000 |
5.14 |
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0.75% |
$10,000 |
23.91 |
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Small Company | Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More |
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0.70% |
$10,000 |
18.90 |
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0.70% |
$10,000 |
19.63 |
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0.51% |
$10,000 |
11.04 |
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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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0.45% |
$10,000 |
24.06 |
Learn More
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0.40% |
$50,000 |
14.51 |
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0.40% |
$0 |
24.41 |
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0.40% |
$10,000 |
12.93 |
Learn More
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Michael strubert | Jun 8, 2021 Someone from Beneficial State Bank tried to cash a fraudulent check on my EECU account for $469.99. On 6/1/21. Read More |
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0.35% |
$100,000 |
14.85 |
Learn More
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0.30% |
$10,000 |
4.10 |
Learn More
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kmills | Nov 15, 2019 If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... Read More |
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0.30% |
$10,000 |
14.85 |
Learn More
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0.25% |
$1,000 |
20.38 |
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 |
14.51 |
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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0.20% |
$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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0.15% |
$500 |
16.16 |
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% 0.10% |
$1 $0 |
23.33 |
Learn More
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Austin | Aug 25, 2021 I have banked with Umpqua in Gig Harbor since 2013 and although there money market rates are not good didn’t have much problem until I moved to Spokane and started using this branch on south hill. They ... Read More |
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0.05% |
$2,500 |
24.98 |
Learn More
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Rate History: 0.03% → 0.05% |
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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 |
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| Branch | Street | City | State |
|---|---|---|---|
|
Seattle Bank Seattle Bank Branch |
600 University Street, Suite 1850 | Seattle | WA |
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Beal Bank USA Seattle Branch |
10900 N.E. 4th Street, Suite 110 | Bellevue | WA |
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Northwest Bank Seattle Branch |
925 Fourth Avenue, Suite 100 | Seattle | WA |
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Bank of Hope Seattle Loan Production Office Branch |
10655 North East 4th Street | Bellevue | WA |
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Sound Community Bank Sound Community Bank Branch |
2001 5th Ave. | Seattle | WA |
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Zions Bank Seattle Br Branch |
601 Union Street, Suite 3600 | Seattle | WA |
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Washington Trust Bank Seattle Branch |
601 Union St. Ste 4747 | Seattle | WA |
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Pacific Crest Savings Bank Pacific Crest Savings Bank Branch |
3500 188th Street, S.W., Suite 575 | Lynnwood | WA |
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Washington Trust Bank Seattle Branch |
601 Union St. Ste 4747 | Seattle | WA |
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United Business Bank Seattle Washington Branch |
14900 Interurban Ave S Ste 150 | Seattle | WA |
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UniBank Bellevue Branch |
3640 Factoria Boulevard Se | Bellevue | WA |
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Timberland Bank Silverdale Branch |
2401 Nw Bucklin Hill Road | Silverdale | WA |
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Coastal Community Bank Silver Lake Branch |
10520 19th Avenue Se | Everett | WA |
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Kitsap Bank Bethel Branch |
3324 Bethel Road Southeast | Port Orchard | WA |
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Cathay Bank Seattle Branch |
621 South Lane Street | Seattle | WA |
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Heritage Bank Issaquah Branch |
1250 Nw Mall St | Issaquah | WA |
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Beneficial State Bank Mosler Branch |
2720 South Third Ave | Seattle | WA |
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Bank of Hope Seattle Loan Production Office Branch |
10655 North East 4th Street | Bellevue | WA |
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Liberty Bank Liberty Bay Bank Branch |
19917 Seventh Avenue Ne | Poulsbo | WA |
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First Interstate Bank Courier Service Branch |
4710 196th Street Southwest | Lynnwood | WA |
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Liberty Bank Liberty Bay Bank Branch |
19917 Seventh Avenue Ne | Poulsbo | WA |
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Washington Federal Bank Rainier Beach Branch |
9325 Rainier Ave South | Seattle | WA |
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East West Bank International District Branch |
668 South Lane Street, Ste 101 | Seattle | WA |
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First-Citizens Bank & Trust Company Bellevue Main Office Branch |
300 110th Avenue, Ne | Bellevue | WA |
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Umpqua Bank Burien Branch |
224 Sw 152nd St | Burien | WA |
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Umpqua Bank Burien Branch |
224 Sw 152nd St | Burien | WA |
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KeyBank National Association Normandy Park Branch |
17818 First Avenue South | Seattle | WA |
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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