Best 4-Year CD Rates in Monona, Wisconsin, WI

You are viewing rates from banks across Monona

Below are four-year CD Rates from banks in Wisconsin . 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.

Monona, WI - July 21, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
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
Spring Bank Spring Bank Branch	4.10% 3.75%	$100,000 $1,000	-	Learn More Add Review
Merrick Bank	4.05%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%
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)
Nicolet National Bank Kewaunee - Main Street Branch	4.00% 3.50%	$2,500 $2,501	-	Learn More
Rate History: 4.00% → 4.25% → 4.15% → 3.75% → 4.00%
Jim Doe \| Oct 12, 2022 Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More Reviews (2)
Bank Five Nine First Bank Financial Centre Branch	4.00%	$100	-	Learn More Add Review
Johnson Bank Holiday Drive Branch 63000	3.00%	$2,000	-	Learn More Add Review
Rate History: 2.75% → 2.65% → 2.85% → 3.40% → 3.00%
Bank First, N.A. Bank First National Branch	2.78%	$1,000	-	Learn More Add Review
Rate History: 3.02% → 2.78%
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
Hiawatha National Bank Glenwood City Branch	2.02%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association Edgerton Branch	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)
Unity Bank Neillsville Branch	1.45%	$100,000	-	Learn More Add Review
Oakwood Bank Pigeon Falls State Bank Branch	1.36%	$10,000	-	Learn More Add Review
Unity Bank Neillsville Branch	1.35%	$500	-	Learn More Add Review
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	1.35%	$500	-	Learn More Add Review
Rate History: 0.60% → 1.35%
Cumberland Federal Bank, FSB Cumberland Federal Bank, Fsb Branch	1.26%	$500	-	Learn More Add Review
Waldo State Bank Waldo State Bank Branch	1.26%	$10,000	-	Learn More Add Review
Union State Bank of West Salem Union State Bank Of West Salem Branch	1.26%	$10,000	-	Learn More Add Review
State Bank Financial State Bank Financial Branch	1.25%	$100,000	-	Learn More Add Review
Columbia Savings and Loan Association Columbia Savings And Loan Associatio Branch	1.25%	$10,000	-	Learn More Add Review
Great North Bank Great North Bank Branch	1.20%	$10,000	-	Learn More Add Review
Bank of Lake Mills Bank Of Lake Mills Branch	1.20%	$10,000	-	Learn More Add Review
Park Bank Park Bank Branch	1.17%	$10,000	-	Learn More Add Review
Shell Lake State Bank Shell Lake State Bank Branch	1.16%	$10,000	-	Learn More Add Review
Community Bank of Cameron Community Bank Of Cameron Branch	1.15%	$100,000	-	Learn More Add Review
Citizens First Bank Citizens First Bank Branch	1.15%	$100,000	-	Learn More Add Review
Black River Country Bank Black River Country Bank Branch	1.15%	$10,000	-	Learn More Add Review
Ergo Bank Farmers State Bank Branch	1.15%	$10,000	-	Learn More Add Review
Headwaters State Bank Headwaters State Bank Branch	1.15%	$10,000	-	Learn More Add Review
GreenLeaf Bank Greenleaf Wayside Bank Branch	1.11%	$10,000	-	Learn More Add Review
Community Bank of Cameron Community Bank Of Cameron Branch	1.10%	$10,000	-	Learn More Add Review
Waumandee State Bank Fountain City Branch	1.10%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	1.10%	$100,000	-	Learn More Add Review
Intercity State Bank Intercity State Bank Branch	1.10%	$10,000	-	Learn More Add Review
Marathon Bank Marathon Savings Bank Branch	1.10%	$10,000	-	Learn More Add Review
Alliance Bank Alliance Bank Branch	1.06%	$10,000	-	Learn More Add Review
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	1.05%	$10,000	-	Learn More Add Review
Byline Bank Brookfield Ridgestone Branch	1.00%	$5,000	-	Learn More Add Review
Rate History: 1.25% → 1.00%
BMO Bank National Association Bay View Branch	1.00%	$1,000	-	Learn More
Rate History: 0.15% → 1.35% → 4.00% → 1.35% → 1.00%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
West Pointe Bank West Pointe Bank Branch	1.00%	$1,000	-	Learn More Add Review
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	1.00%	$50,000	-	Learn More Add Review
Premier Community Bank Manawa Branch	1.00%	$100,000	-	Learn More Add Review
Prevail Bank Time Federal Savings Bank Branch	1.00%	$50,000	-	Learn More Add Review
Bank of Wisconsin Dells Bank Of Wisconsin Dells Branch	1.00%	$10,000	-	Learn More Add Review
Oregon Community Bank Oregon Community Bank & Trust Branch	1.00%	$100,000	-	Learn More Add Review
Peoples State Bank of Plainview Boyceville Branch	1.00%	$100,000	-	Learn More Add Review
Laona State Bank Laona State Bank Branch	1.00%	$10,000	-	Learn More Add Review
The Benton State Bank The Benton State Bank Branch	1.00%	$10,000	-	Learn More Add Review
Ixonia Bank Ixonia Bank Branch	1.00%	$10,000	-	Learn More Add Review
BLC Community Bank Blc Community Bank Branch	1.00%	$10,000	-	Learn More Add Review
The First Bank of Baldwin The First Bank Of Baldwin Branch	1.00%	$500	-	Learn More Add Review
Bank of Luxemburg Bank Of Luxemburg Branch	0.99%	$10,000	-	Learn More Add Review
Cleveland State Bank Cleveland State Bank Branch	0.95%	$10,000	-	Learn More Add Review
Peoples State Bank of Plainview Boyceville Branch	0.95%	$10,000	-	Learn More Add Review
State Bank Financial State Bank Financial Branch	0.95%	$10,000	-	Learn More Add Review
Banner Banks Banner Banks Branch	0.95%	$10,000	-	Learn More Add Review
Oregon Community Bank Oregon Community Bank & Trust Branch	0.90%	$10,000	-	Learn More Add Review
Prevail Bank Time Federal Savings Bank Branch	0.90%	$1,000	-	Learn More Add Review
The Greenwood's State Bank Monticello Branch	0.90%	$10,000	-	Learn More Add Review
Peoples State Bank Rhinelander Branch - Lincoln	0.90%	$10,000	-	Learn More Add Review
PyraMax Bank, FSB South Milwaukee Branch	0.90%	$10,000	-	Learn More Add Review
The Port Washington State Bank Fredonia Branch	0.90%	$10,000	-	Learn More Add Review
First National Community Bank First National Community Bank Branch	0.90%	$10,000	-	Learn More Add Review
First Citizens State Bank First Citizens State Bank Branch	0.90%	$10,000	-	Learn More Add Review
KeySavings Bank Keysavings Bank Branch	0.90%	$10,000	-	Learn More Add Review
Bay Bank Bay Bank Branch	0.85%	$500	-	Learn More Add Review
Citizens First Bank Citizens First Bank Branch	0.85%	$10,000	-	Learn More Add Review
State Bank of Chilton Calumet County Bank Main Office Bran Branch	0.85%	$10,000	-	Learn More Add Review
Horicon Bank Horicon Bank Branch	0.85%	$10,000	-	Learn More Add Review
Bank of Sun Prairie Bank Of Sun Prairie Branch	0.85%	$10,000	-	Learn More Add Review
Mayville Savings Bank Mayville Savings Bank Branch	0.85%	$500	-	Learn More Add Review
The Peshtigo National Bank The Peshtigo National Bank Branch	0.85%	$10,000	-	Learn More Add Review
Bristol Morgan Bank Bank Of Oakfield Branch	0.85%	$10,000	-	Learn More Add Review
River Falls State Bank River Falls State Bank Branch	0.85%	$10,000	-	Learn More Add Review
The Bank of Kaukauna The Bank Of Kaukauna Branch	0.80%	$500	-	Learn More Add Review
Royal Bank Lone Rock Branch	0.80%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.80%	$100,000	-	Learn More Add Review
Bank of Mauston Bank Of Mauston Branch	0.80%	$10,000	-	Learn More Add Review
American Bank of Beaver Dam The American National Bank Of Beaver Branch	0.80%	$10,000	-	Learn More Add Review
Highland State Bank Highland State Bank Branch	0.80%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	0.80%	$100,000	-	Learn More Add Review
American National Bank - Fox Cities American National Bank - Fox Cities Branch	0.80%	$10,000	-	Learn More Add Review
Bank of Milton Bank Of Milton Branch	0.80%	$10,000	-	Learn More Add Review
The Equitable Bank, S.S.B. The Equitable Bank, S.S.b. Branch	0.75%	$500	-	Learn More Add Review
Bluff View Bank Bank Of Galesville Branch	0.75%	$10,000	-	Learn More Add Review
River Bank De Soto Branch	0.75%	$10,000	-	Learn More Add Review
DMB Community Bank Dmb Community Bank Branch	0.75%	$10,000	-	Learn More Add Review
Bank of Deerfield Bank Of Deerfield Branch	0.75%	$500	-	Learn More Add Review
Union Federal Savings and Loan Association West Washington Avenue Branch	0.75%	$10,000	-	Learn More Add Review
Clare Bank, National Association Clare Bank, National Association Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of Brodhead The Bank Of Brodhead Branch	0.75%	$10,000	-	Learn More Add Review
AbbyBank Abbybank Branch	0.75%	$10,000	-	Learn More Add Review
East Wisconsin Savings Bank East Wisconsin Savings Bank Branch	0.75%	$10,000	-	Learn More Add Review
The International Bank of Amherst The International Bank Of Amherst Branch	0.75%	$100,000	-	Learn More Add Review
The Farmers State Bank of Waupaca The Farmers State Bank Of Waupaca Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of New Glarus The Bank Of New Glarus Branch	0.73%	$10,000	-	Learn More Add Review
Woodford State Bank Woodford State Bank Branch	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	0.70%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.70%	$10,000	-	Learn More Add Review
Citizens State Bank Citizens State Bank Branch	0.70%	$10,000	-	Learn More Add Review
The Stephenson National Bank and Trust The Stephenson National Bank And Tru Branch	0.70%	$10,000	-	Learn More Add Review
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	0.70%	$10,000	-	Learn More Add Review
The International Bank of Amherst The International Bank Of Amherst Branch	0.70%	$10,000	-	Learn More Add Review
Starion Bank Middleton, Wi Branch	0.65%	$25,000	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
State Bank of Cross Plains Bank Of Waunakee/Branch	0.65%	$10,000	-	Learn More
Otto Alber \| Jan 15, 2024 What is Lake Ridge Bank SWIFT Code? Read More Reviews (1)
The Park Bank The Park Bank Branch	0.65%	$10,000	-	Learn More
nosnah-nej-erif \| Jan 29, 2022 Discriminatory and unfair practices including closing accounts for reasons they so choose of those who are non-caucasion, lower incomes and older in age but do not follow the same guidelines for white, wea... Read More Reviews (1)
State Bank of Reeseville State Bank Of Reeseville Branch	0.65%	$1,000	-	Learn More Add Review
The Peoples Community Bank The Peoples Community Bank Branch	0.65%	$10,000	-	Learn More Add Review
The Pineries Bank The Pineries Bank Branch	0.65%	$10,000	-	Learn More Add Review
Forward Bank Withee Branch	0.63%	$100,000	-	Learn More Add Review
First State Bank Rudolph Branch	0.61%	$10,000	-	Learn More Add Review
Merchants Bank, National Association Onalaska Branch	0.60%	$10,000	-	Learn More Add Review
Starion Bank Middleton, Wi Branch	0.60%	$2,500	-	Learn More
rich_hovland@bismarckschools.org \| Nov 13, 2019 yes Read More Reviews (2)
Premier Community Bank Manawa Branch	0.60%	$10,000	-	Learn More Add Review
Farmers Savings Bank Farmers Savings Bank Branch	0.60%	$10,000	-	Learn More Add Review
PremierBank Premierbank Branch	0.60%	$10,000	-	Learn More Add Review
First State Bank and Trust First State Bank And Trust Branch	0.60%	$10,000	-	Learn More Add Review
FORTE BANK The First National Bank Of Hartford Branch	0.60%	$500	-	Learn More Add Review
Forward Bank Withee Branch	0.58%	$10,000	-	Learn More Add Review
National Bank of Commerce Nbc Mortgage Services Branch	0.55%	$100,000	-	Learn More Add Review
Citizens Community Federal National Association Barron Branch	0.55%	$10,000	-	Learn More Add Review
Collins State Bank Collins State Bank Branch	0.55%	$10,000	-	Learn More Add Review
Peoples State Bank Woodhouse&Bartley Branch	0.55%	$100,000	-	Learn More Add Review
Capitol Bank Capitol Bank Branch	0.55%	$10,000	-	Learn More Add Review
Community First Bank Livingston Branch	0.55%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association Kenosha Branch	0.55%	$100,000	-	Learn More Add Review
Community First Bank Community First Bank Branch	0.51%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank & Trust Farmers & Merchants Bank & Trust Branch	0.51%	$10,000	-	Learn More Add Review
Tomahawk Community Bank S.S.B. Merrill Branch	0.50%	$1,000	-	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
Superior Savings Bank Superior Savings Bank Branch	0.50%	$500	-	Learn More Add Review
The First National Bank of River Falls The First National Bank Of River Fal Branch	0.50%	$2,500	-	Learn More Add Review
National Bank of Commerce Nbc Mortgage Services Branch	0.50%	$10,000	-	Learn More Add Review
Fox Valley Savings Bank Fox Valley Savings Bank Branch	0.50%	$500	-	Learn More
LLoomiscr@gmail.com \| Dec 31, 2021 Loan Agent strung me along for 6 months cost me a lot of money, Dishonest told me 3 times under writer approved the loan but in the end he didnt want to do it,guys on a power trip very unprofessional Bewar... Read More Reviews (1)
The Huntington National Bank Pulaski Wi Branch	0.50%	$1,000	-	Learn More
Allan \| Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More Reviews (1)
Fortifi Bank Fortifi Bank Branch	0.50%	$10,000	-	Learn More Add Review
National Exchange Bank and Trust Cambria Branch	0.50%	$10,000	-	Learn More Add Review
Security State Bank Security State Bank Branch	0.50%	$10,000	-	Learn More Add Review
MidWestOne Bank Osceola - Branch 40	0.50%	$10,000	-	Learn More Add Review
State Bank of the Lakes, National Association Kenosha Branch	0.50%	$10,000	-	Learn More Add Review
WaterStone Bank, SSB Waterstone Bank, Ssb Branch	0.50%	$10,000	-	Learn More Add Review
CIBC Bank USA 743 North Water Street Branch	0.50%	$100,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
Wolf River Community Bank Wolf River Community Bank Branch	0.50%	$10,000	-	Learn More
Depositor \| Feb 23, 2018 Strange bank. Connected to murder and suicide since 2006 Read More Reviews (1)
First Federal Bank of Wisconsin 3974 South Howell Ave Br Branch	0.50%	$10,000	-	Learn More Add Review
Westbury Bank Westbury Bank Branch	0.50%	$10,000	-	Learn More Add Review
Peoples State Bank Woodhouse&Bartley Branch	0.45%	$10,000	-	Learn More Add Review
Tri City National Bank Tri City Bank Branch	0.45%	$10,000	-	Learn More Add Review
CIBC Bank USA 743 North Water Street Branch	0.45%	$10,000	-	Learn More
me \| Oct 13, 2021 Good for savers. Easy to transfer funds in and out, not paying high transaction processing $ or being limited to low amounts per day. Does not subject applicants to very much ID interrogation and apparent... Read More Reviews (6)
The First National Bank and Trust Company The First National Bank And Trust Co Branch	0.40%	$1,000	-	Learn More Add Review
WOODTRUST BANK Woodtrust Bank Branch	0.40%	$10,000	-	Learn More Add Review
Waukesha State Bank Waukesha State Bank Branch	0.40%	$10,000	-	Learn More Add Review
Old National Bank S&C Bank, Chippewa/Branch	0.35%	$10,000	-	Learn More
jefflockwoodlaw2288@gmail.com \| Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More Reviews (2)
CIBM Bank Elm Grove Branch	0.35%	$10,000	-	Learn More
theee \| Dec 26, 2017 Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM. Read More Reviews (1)
Town Bank, National Association Albany Branch	0.30%	$1,000	-	Learn More Add Review
North Shore Bank, FSB North Shore Bank, Fsb Branch	0.30%	$10,000	-	Learn More Add Review
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
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
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 Franksville Branch	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)
PNC Bank, National Association Hartford 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)
Associated Bank, National Association Milwaukee Branch	0.01%	$10,000	-	Learn More Add Review

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 10116

Branch	Street	City	State
Spring Bank Spring Bank Branch	16620 West Bluemound Road, Suite 100a	Brookfield	WI
Nicolet National Bank Kewaunee - Main Street Branch	519 Main Street	Kewaunee	WI
Bank Five Nine First Bank Financial Centre Branch	155 West Wisconsin Avenue	Oconomowoc	WI
Spring Bank Spring Bank Branch	16620 West Bluemound Road, Suite 100a	Brookfield	WI
Nicolet National Bank Kewaunee - Main Street Branch	519 Main Street	Kewaunee	WI
Johnson Bank Holiday Drive Branch 63000	2021 Holiday Drive	Janesville	WI
Bank First, N.A. Bank First National Branch	402 North Eighth Street	Manitowoc	WI
Hiawatha National Bank Glenwood City Branch	220 East Oak Street	Glenwood City	WI
JPMorgan Chase Bank, National Association Edgerton Branch	111 North Main Street	Edgerton	WI
Unity Bank Neillsville Branch	500 West Street	Neillsville	WI
Oakwood Bank Pigeon Falls State Bank Branch	40214 S Ekern Avenue	Pigeon Falls	WI
Unity Bank Neillsville Branch	500 West Street	Neillsville	WI
The Farmers & Merchants Bank The Farmers & Merchants Bank Branch	123 W Huron Street	Berlin	WI
Cumberland Federal Bank, FSB Cumberland Federal Bank, Fsb Branch	1390 Second Avenue	Cumberland	WI
Waldo State Bank Waldo State Bank Branch	119 N Depot St	Waldo	WI
Union State Bank Union State Bank Of West Salem Branch	120 South Mill Street	West Salem	WI
State Bank Financial State Bank Financial Branch	401 Main Street	La Crosse	WI
Columbia Savings and Loan Association Columbia Savings And Loan Associatio Branch	2020 W Fond Du Lac Ave	Milwaukee	WI
Great North Bank Great North Bank Branch	541 Central Avenue	Florence	WI
Bank of Lake Mills Bank Of Lake Mills Branch	136 East Madison Street	Lake Mills	WI
Park Bank, National Association Park Bank Branch	1200 Main Street	Holmen	WI
Shell Lake State Bank Shell Lake State Bank Branch	102 5th Ave	Shell Lake	WI
Community Bank of Cameron Community Bank Of Cameron Branch	101 West Main Street	Cameron	WI
Citizens First Bank Citizens First Bank Branch	101 South Main Street	Viroqua	WI
Black River Country Bank Black River Country Bank Branch	221 Main Street	Black River Falls	WI
Ergo Bank Farmers State Bank Branch	86 East Water Street	Markesan	WI
Headwaters State Bank Headwaters State Bank Branch	4175 County Highway B	Land O Lakes	WI
GreenLeaf Bank Greenleaf Wayside Bank Branch	1608 Day Street	Greenleaf	WI
Community Bank of Cameron Community Bank Of Cameron Branch	101 West Main Street	Cameron	WI
Waumandee State Bank Fountain City Branch	46 South Main Street	Fountain City	WI
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	159 West James Street	Columbus	WI
Intercity State Bank Intercity State Bank Branch	962 Grand Avenue	Schofield	WI
Marathon Bank Marathon Savings Bank Branch	500 Scott Street	Wausau	WI
Alliance Bank Alliance Bank Branch	245 South Eau Claire Street	Mondovi	WI
Farmers and Merchants Union Bank Farmers And Merchants Union Bank Branch	159 West James Street	Columbus	WI
Byline Bank Brookfield Ridgestone Branch	13925 West North Avenue	Brookfield	WI
BMO Bank National Association Bay View Branch	2701 South Kinnickinnic Avenue	Milwaukee	WI
West Pointe Bank West Pointe Bank Branch	1750 Witzel Avenue	Oshkosh	WI
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	400 North Main Street	Loyal	WI
Premier Community Bank Manawa Branch	431 South Bridge Street	Manawa	WI
Prevail Bank Time Federal Savings Bank Branch	675 E. Broadway Ave.	Medford	WI
Bank of Wisconsin Dells Bank Of Wisconsin Dells Branch	716 Superior Street	Wisconsin Dells	WI
One Community Bank Oregon Community Bank & Trust Branch	733 North Main Street	Oregon	WI
Peoples State Bank of Plainview Boyceville Branch	715 Highway 79	Boyceville	WI
Laona State Bank Laona State Bank Branch	5308 Beech Street	Laona	WI
The Benton State Bank The Benton State Bank Branch	42 West Main Street	Benton	WI
Ixonia Bank Ixonia Bank Branch	W 1046 Marietta Ave	Ixonia	WI
BLC Community Bank Blc Community Bank Branch	206 East Main Avenue	Little Chute	WI
Pillar Bank The First Bank Of Baldwin Branch	990 Main Street	Baldwin	WI
Bank of Luxemburg Bank Of Luxemburg Branch	630 Main Street	Luxemburg	WI
Cleveland State Bank Cleveland State Bank Branch	1250 West Washington Avenue	Cleveland	WI
Peoples State Bank of Plainview Boyceville Branch	715 Highway 79	Boyceville	WI
State Bank Financial State Bank Financial Branch	401 Main Street	La Crosse	WI
Banner Banks Banner Banks Branch	416 Main St.	Birnamwood	WI
One Community Bank Oregon Community Bank & Trust Branch	733 North Main Street	Oregon	WI
Prevail Bank Time Federal Savings Bank Branch	675 E. Broadway Ave.	Medford	WI
The Greenwood's State Bank Monticello Branch	238 North Main Street	Monticello	WI
Peoples State Bank Rhinelander Branch - Lincoln	1225 Lincoln Street	Rhinelander	WI
PyraMax Bank, FSB South Milwaukee Branch	1015 Marquette Avenue	South Milwaukee	WI
The Port Washington State Bank Fredonia Branch	201 Regal Drive	Fredonia	WI
First National Community Bank First National Community Bank Branch	109 E 2nd St	New Richmond	WI
First Citizens State Bank First Citizens State Bank Branch	207 West Main Street	Whitewater	WI
KeySavings Bank Keysavings Bank Branch	811 East Grand Avenue	Wisconsin Rapids	WI
Bay Bank Bay Bank Branch	2555 Packerland Drive	Green Bay	WI
Citizens First Bank Citizens First Bank Branch	101 South Main Street	Viroqua	WI
State Bank of Chilton Calumet County Bank Main Office Bran Branch	103 North Main Street	Brillion	WI
Horicon Bank Horicon Bank Branch	326 East Lake Street	Horicon	WI
Bank of Sun Prairie Bank Of Sun Prairie Branch	228 East Main Street	Sun Prairie	WI
Mayville Savings Bank Mayville Savings Bank Branch	200 South Main Street	Mayville	WI
The Peshtigo National Bank The Peshtigo National Bank Branch	250 French Street	Peshtigo	WI
Bristol Morgan Bank Bank Of Oakfield Branch	103 South Main Street	Oakfield	WI
River Falls State Bank River Falls State Bank Branch	124 South Second Street	River Falls	WI
The Bank of Kaukauna The Bank Of Kaukauna Branch	264 W. Wisconsin Avenue	Kaukauna	WI
Royal Bank Lone Rock Branch	252 S Oak Street	Lone Rock	WI
Citizens Bank Citizens Bank Branch	301 North Rochester	Mukwonago	WI
Bank of Mauston Bank Of Mauston Branch	503 Highway 82 East	Mauston	WI
American Bank of Beaver Dam The American National Bank Of Beaver Branch	115 Front Street	Beaver Dam	WI
Highland State Bank Highland State Bank Branch	541 North Main Street	Highland	WI
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	907 North Central	Marshfield	WI
American National Bank - Fox Cities American National Bank - Fox Cities Branch	2200 North Richmond Street	Appleton	WI
Bank of Milton Bank Of Milton Branch	323 Parkview Drive	Milton	WI
The Equitable Bank, S.S.B. The Equitable Bank, S.S.b. Branch	2290 North Mayfair Road	Wauwatosa	WI
Bluff View Bank Bank Of Galesville Branch	16893 South Main Street	Galesville	WI
River Bank De Soto Branch	88 Crawford Street	De Soto	WI
DMB Community Bank Dmb Community Bank Branch	321 North Main Street	De Forest	WI
Bank of Deerfield Bank Of Deerfield Branch	15 South Main Street	Deerfield	WI
Union Federal Savings and Loan Association West Washington Avenue Branch	115 West Washington Ave.	Madison	WI
Clare Bank, National Association Clare Bank, National Association Branch	345 West Pine Street	Platteville	WI
The Bank of Brodhead The Bank Of Brodhead Branch	806 East Exchange	Brodhead	WI
AbbyBank Abbybank Branch	401 East Spruce Street	Abbotsford	WI
East Wisconsin Savings Bank East Wisconsin Savings Bank Branch	109 West Second Street	Kaukauna	WI
The International Bank of Amherst The International Bank Of Amherst Branch	103 South Main Street	Amherst	WI
The Farmers State Bank of Waupaca The Farmers State Bank Of Waupaca Branch	112 West Fulton Street	Waupaca	WI
The Bank of New Glarus The Bank Of New Glarus Branch	501 First Street	New Glarus	WI
Woodford State Bank Woodford State Bank Branch	403 West 8th Street	Monroe	WI
Citizens State Bank of Loyal Citizens State Bank Of Loyal Branch	400 North Main Street	Loyal	WI
Citizens Bank Citizens Bank Branch	301 North Rochester	Mukwonago	WI
Citizens State Bank Citizens State Bank Branch	304 North Main Street	Cadott	WI
The Stephenson National Bank and Trust The Stephenson National Bank And Tru Branch	1818-1820 Hall Avenue	Marinette	WI
Partners Bank of Wisconsin Partners Bank Of Wisconsin Branch	907 North Central	Marshfield	WI
The International Bank of Amherst The International Bank Of Amherst Branch	103 South Main Street	Amherst	WI
Starion Bank Middleton, Wi Branch	1651 John Q. Hammons Drive	Middleton	WI
Lake Ridge Bank Bank Of Waunakee/Branch	610 West Main Street	Waunakee	WI
The Park Bank The Park Bank Branch	2401 South Park Street	Madison	WI
State Bank of Reeseville State Bank Of Reeseville Branch	203 South Main Street	Reeseville	WI
The Peoples Community Bank The Peoples Community Bank Branch	222 West Commercial Street	Mazomanie	WI
The Pineries Bank The Pineries Bank Branch	3601 Main Street	Stevens Point	WI
Forward Bank Withee Branch	410 Division Street	Withee	WI
First State Bank Rudolph Branch	1680 Main Street	Rudolph	WI
Merchants Bank, National Association Onalaska Branch	3140 Market Place	Onalaska	WI
Starion Bank Middleton, Wi Branch	1651 John Q. Hammons Drive	Middleton	WI
Premier Community Bank Manawa Branch	431 South Bridge Street	Manawa	WI
Farmers Savings Bank Farmers Savings Bank Branch	305 Doty Street	Mineral Point	WI
PremierBank Premierbank Branch	70 North Main Street	Fort Atkinson	WI
First State Bank and Trust First State Bank And Trust Branch	219 2nd Street South	Hudson	WI
FORTE BANK The First National Bank Of Hartford Branch	116 West Sumner Street	Hartford	WI
Forward Bank Withee Branch	410 Division Street	Withee	WI
National Bank of Commerce Nbc Mortgage Services Branch	1214 Tower Avenue	Superior	WI
Citizens Community Federal National Association Barron Branch	436 East La Salle Avenue	Barron	WI
Collins State Bank Collins State Bank Branch	20741 Cth Jj And State Hwy. 32	Collins	WI
Peoples State Bank Woodhouse&Bartley Branch	445 Canal Street	Bloomington	WI
Capitol Bank Capitol Bank Branch	710 North High Point Road	Madison	WI
Community First Bank Livingston Branch	125 N Center Street	Livingston	WI
State Bank of the Lakes, National Association Kenosha Branch	8700 75th Street	Kenosha	WI
Community First Bank Community First Bank Branch	275 West Grand Avenue	Rosholt	WI
Farmers & Merchants Bank & Trust Farmers & Merchants Bank & Trust Branch	1644 Ludington Street	Marinette	WI
Crossbridge Community Bank Merrill Branch	907 East Main St	Merrill	WI
Superior Savings Bank Superior Savings Bank Branch	1130 Tower Avenue	Superior	WI
The First National Bank of River Falls The First National Bank Of River Fal Branch	104 East Locust Street	River Falls	WI
National Bank of Commerce Nbc Mortgage Services Branch	1214 Tower Avenue	Superior	WI
Fox Valley Savings Bank Fox Valley Savings Bank Branch	51 East First Street	Fond Du Lac	WI
The Huntington National Bank Pulaski Wi Branch	160 E. Pulaski St	Pulaski	WI
Fortifi Bank Fortifi Bank Branch	140 West Huron Street	Berlin	WI
National Exchange Bank and Trust Cambria Branch	118 East Edgewater Street	Cambria	WI
Security State Bank Security State Bank Branch	U S Hwy #2 7865	Iron River	WI
MidWestOne Bank Osceola - Branch 40	304 Cascade Street North	Osceola	WI
State Bank of the Lakes, National Association Kenosha Branch	8700 75th Street	Kenosha	WI
WaterStone Bank, SSB Waterstone Bank, Ssb Branch	11200 West Plank Court	Wauwatosa	WI
CIBC Bank USA 743 North Water Street Branch	743 North Water Street	Milwaukee	WI
Wolf River Community Bank Wolf River Community Bank Branch	309 East Main Street	Hortonville	WI
First Federal Bank of Wisconsin 3974 South Howell Ave Br Branch	3974 S Howell Avenue	Milwaukee	WI
Westbury Bank Westbury Bank Branch	200 South Main Street	West Bend	WI
Peoples State Bank Woodhouse&Bartley Branch	445 Canal Street	Bloomington	WI
Tri City National Bank Tri City Bank Branch	2704 Lathrop Avenue	Racine	WI
CIBC Bank USA 743 North Water Street Branch	743 North Water Street	Milwaukee	WI
The First National Bank and Trust Company The First National Bank And Trust Co Branch	345 East Grand Avenue	Beloit	WI
WOODTRUST BANK Woodtrust Bank Branch	181 Second Street South	Wisconsin Rapids	WI
Waukesha State Bank Waukesha State Bank Branch	151 East St. Paul Avenue	Waukesha	WI
Old National Bank S&C Bank, Chippewa/Branch	101 North Broadway	Stanley	WI
CIBM Bank Elm Grove Branch	12700 W Bluemound Rd Ste 150	Elm Grove	WI
Town Bank, National Association Albany Branch	102 West Main Street	Albany	WI
North Shore Bank North Shore Bank, Fsb Branch	15700 West Bluemound Road	Brookfield	WI
First-Citizens Bank & Trust Company First-Citizens Bank & Trust Company Branch	5630 West Fond Du Lac Avenue	Milwaukee	WI
U.S. Bank National Association Franksville Branch	10005 Northwestern Ave	Franksville	WI
PNC Bank, National Association Hartford Branch	709 Grand Avenue	Hartford	WI
Associated Bank, National Association Milwaukee Branch	250 East Wisconsin Avenue	Milwaukee	WI

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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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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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