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Below are four-year CD Rates from banks in West 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.
Hurricane, WV - August 2, 2025
4 Year CD National Average : 0.82% ?
Banks | APY | MIN | MILES ? | |
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4.15% |
$10,000 |
- |
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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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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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2.00% |
$10,000 |
16.80 |
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Rate History: 2.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.90% |
$500 |
4.99 |
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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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1.50% |
$1,000 |
1.91 |
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Skamer187 | Mar 19, 2021 This rate is not true call it is only 0.40 lady she would have it changed a week ago Read More |
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1.30% |
$500 |
2.03 |
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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% |
$10,000 |
19.40 |
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0.65% |
$10,000 |
14.13 |
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0.60% |
$10,000 |
8.93 |
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0.55% |
$500 |
18.71 |
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Jeffreylynnstrother | Jan 25, 2017 Local bank Read More |
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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% |
$1,000 |
17.64 |
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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 |
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0.50% |
$10,000 |
19.40 |
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0.45% |
$10,000 |
16.32 |
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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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0.01% |
$500 |
16.88 |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
Branch | Street | City | State |
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JPMorgan Chase Bank, National Association Barboursville Branch |
6327 Route 60, East | Barboursville | WV |
United Bank Scott Depot Branch |
Route 34 At Poplar Fork Road | Scott Depot | WV |
Putnam County Bank Putnam County Bank Branch |
2761 Main Street | Hurricane | WV |
Woodforest National Bank 0397 Hurrican Walmart Branch |
167 Progress Way | Hurricane | WV |
MVB Bank, Inc Charleston Branch |
400 Washington Street East | Charleston | WV |
WesBanco Bank, Inc. Dunbar Branch |
11th Street And Myers Avenue | Dunbar | WV |
The Poca Valley Bank, Inc. Winfield Branch |
3500 Winfield Road | Winfield | WV |
Huntington Federal Savings Bank East Hills Mall Branch |
5175 Us Route 60 East | Huntington | WV |
The Huntington National Bank Barboursville Branch |
5704 Us 60 | Huntington | WV |
MVB Bank, Inc Charleston Branch |
400 Washington Street East | Charleston | WV |
The Ohio Valley Bank Company Barboursville Branch |
6431 Us Route 60 East | Barboursville | WV |
Fifth Third Bank, National Association Barboursville Branch |
101 River Road | Barboursville | WV |
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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