Wisconsin

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Stevens Point, Wisconsin CD Rates – 4-Year

You are viewing rates from banks across Stevens Point





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.

Stevens Point, WI - August 1, 2025

4 Year CD National Average : 0.82% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%

| 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

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.20% → 4.10% → 4.00% → 3.85% → 4.05%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| 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

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

1.10%

$10,000

20.12

Learn More

Rate History: 0.15% → 1.35% → 4.00% → 1.35% → 1.00%

| 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

0.95%

$10,000

22.27

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0.75%

$100,000

15.25

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0.70%

$10,000

15.25

Learn More

0.65%

$10,000

0.29

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0.61%

$10,000

13.42

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0.51%

$10,000

2.29

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| 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

| 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

0.40%

$10,000

16.96

Learn More

| 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

| 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

| 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

0.01%

$10,000

17.10

Learn More
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 Stevens Point, WI - August 1, 2025


Branch Street City State
JPMorgan Chase Bank, National Association
Stevens Point Main Office Branch
601 Main Street Stevens Point WI
Marathon Bank
Mosinee Branch
307 Third Street Mosinee WI
BMO Bank National Association
Wisc Rapids Branch
1100 8th St. South Wisconsin Rapids WI
Banner Banks
Hatley Branch
225 Clark St Hatley WI
The International Bank of Amherst
The International Bank Of Amherst Branch
103 South Main Street Amherst WI
The International Bank of Amherst
The International Bank Of Amherst Branch
103 South Main Street Amherst WI
The Pineries Bank
The Pineries Bank Branch
3601 Main Street Stevens Point WI
First State Bank
Rudolph Branch
1680 Main Street Rudolph WI
Community First Bank
Highway 10 Branch
5525 Highway 10 East Stevens Point WI
The Huntington National Bank
Central Branch
5597 Highway Ten East Stevens Point WI
WOODTRUST BANK
Woodtrust Bank Branch
181 Second Street South Wisconsin Rapids WI
Old National Bank
American Equity Branch
640 Division Street Stevens Point WI
Associated Bank, National Association
Wisconsin Rapids Branch
711 Grand Avenue Wisconsin Rapids WI


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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.

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