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Image Courtesy: pixabay.com
You are viewing local cd rates from banks around: New York, NY 10116
Below are four-year CD Rates from banks that are located within 20 miles of your location. 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.
New York City, NY - November 12, 2026
4 Year CD National Average : 0.82% ?
As of November 12, 2026, the highest 4-year CD rate from a bank around New York, NY 10116 is 4.95% APY from Popular Direct (minimum deposit $10,000). The best rate with a $1,000 minimum or less is 4.85% APY from BTG Pactual Bank, National Association (minimum deposit $500). The table below ranks every 4-year CD listed for this area. Rates change frequently, so check back for the latest numbers.
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.95% |
$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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4.85% |
$500 |
3.94 |
Learn More
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Rate History: 3.00% → 4.05% → 4.15% |
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Richard | Jul 1, 2022 Very easy opening process and wonderful staff. Read More |
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4.58% |
$1,000 |
3.88 |
Learn More
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Rate History: 3.85% → 3.75% → 3.91% → 4.22% → 4.58% |
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4.15% |
$500 |
12.84 |
Learn More
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Rate History: 1.80% → 0.40% → 0.65% → 0.40% → 4.15% |
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3.75% |
$250 |
6.63 |
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Rate History: 4.50% → 3.50% → 3.90% → 3.75% |
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3.60% |
$500 |
11.95 |
Learn More
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Rate History: 1.50% → 4.75% → 3.00% → 3.60% |
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Zman111 | Jun 26, 2022 ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. Read More |
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3.50% |
$0 |
19.50 |
Learn More
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Rate History: 3.50% → 3.60% → 3.50% → 3.60% → 3.50% |
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Robert B | May 19, 2026 I have read these reviews and noticed how old they are. My experience with Capital One has been very good. I have had CDs and savings accounts. All of my transactions have been on line. I have enjoyed usin... Read More |
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3.50% |
$500 |
5.05 |
Learn More
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Rate History: 3.00% → 3.40% → 3.50% |
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3.40% |
$500 |
3.26 |
Learn More
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Rate History: 3.65% → 3.45% → 3.30% → 3.20% → 3.40% |
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3.25% 0.35% |
$250,000 $1,000 |
9.21 |
Learn More
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Rate History: 3.55% → 3.45% → 3.65% → 3.35% → 3.25% |
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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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3.10% |
$100 |
6.27 |
Learn More
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Rate History: 3.75% → 3.35% → 3.25% → 3.10% → 3.10% |
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an | Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More |
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3.05% |
$500 |
18.52 |
Learn More
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SadSack | Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More |
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3.00% |
$1,000 |
11.15 |
Learn More
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Rate History: 0.60% → 2.00% → 0.60% → 0.50% → 3.00% |
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Papa | Jul 31, 2020 Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More |
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2.75% |
$1,000 |
19.12 |
Learn More
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Rate History: 3.80% → 3.70% → 3.65% → 2.75% |
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Dr. E. F. Ayers; [email protected] | Oct 2, 2015 I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More |
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2.75% |
$5,000 |
20.36 |
Learn More
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Rate History: 3.00% → 2.75% → 2.75% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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2.75% |
$500 |
- |
Learn More
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Rate History: 2.75% → 2.75% → 2.75% |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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2.75% |
$5,000 |
- |
Learn More
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Rate History: 2.75% → 2.75% → 2.75% → 2.75% → 2.75% |
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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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2.50% |
$1,000 |
4.48 |
Learn More
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Rate History: 2.85% → 2.60% → 2.50% |
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2.50% |
$1,500 |
19.90 |
Learn More
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Rate History: 2.00% → 3.00% → 2.50% |
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Ryan | Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More |
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2.50% |
$1,000 |
12.56 |
Learn More
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Rate History: 3.00% → 2.50% |
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2.00% |
$500 |
9.70 |
Learn More
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Rate History: 2.00% → 2.50% → 2.00% → 2.50% → 2.00% |
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2.00% |
$0 |
18.94 |
Learn More
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Rate History: 2.00% → 2.00% → 2.00% |
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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 |
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2.00% |
$10,000 |
16.89 |
Learn More
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Rate History: 2.00% → 2.50% → 2.00% |
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[email protected] | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.77% |
$1,000 |
9.50 |
Learn More
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1.56% |
$10,000 |
3.29 |
Learn More
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Rate History: 1.51% → 1.41% → 1.40% → 1.41% → 1.56% |
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1.25% |
$500 |
18.16 |
Learn More
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Rate History: 1.05% → 3.65% → 1.25% → 0.73% → 1.25% |
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Mark Fitzpatrick | Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More |
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0.95% |
$10,000 |
5.50 |
Learn More
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0.90% |
$10,000 |
17.45 |
Learn More
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0.90% |
$10,000 |
20.54 |
Learn More
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CF | Jul 11, 2020 A great bank. Rates are competitive and they have outstanding customer service. Read More |
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0.85% |
$10,000 |
13.24 |
Learn More
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0.80% |
$10,000 |
3.60 |
Learn More
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0.75% |
$1,000 |
2.25 |
Learn More
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0.75% |
$1,000 |
12.26 |
Learn More
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0.70% |
$500 |
23.67 |
Learn More
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0.65% |
$10,000 |
0.51 |
Learn More
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0.63% |
$10,000 |
2.43 |
Learn More
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0.60% |
$100,000 |
23.14 |
Learn More
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0.55% |
$10,000 |
23.14 |
Learn More
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0.55% |
$1,000 |
0.15 |
Learn More
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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% |
$1,000 |
17.37 |
Learn More
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Rate History: 0.45% → 0.25% → 0.45% → 0.50% → 0.45% |
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Customer18 | Mar 26, 2021 Spencer Bank is by far, the ABSOLUTE WORST Banking institution there is. The Bank - and the Headquarters - display a host of shortcomings and clearly are the most substandard bank - dealing with numerou... Read More |
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0.40% |
$50,000 |
5.11 |
Learn More
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0.33% |
$1,000 |
12.90 |
Learn More
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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 |
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0.25% |
$10,000 |
16.27 |
Learn More
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0.20% |
$10,000 |
5.27 |
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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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.05% |
$2,500 |
24.17 |
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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0.03% |
$25,000 |
20.55 |
Learn More
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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 |
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0.03% |
$100,000 |
15.78 |
Learn More
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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 |
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0.00% |
$10,000 |
5.23 |
Learn More
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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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Last Update on November 11, 2026
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