Compare Best 4-year CD Rates
Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like certificate of deposits (CDs), savings and money market accounts.GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best 4-year CD rates and display them in the table below for free. Click on our featured bank rates for more information.
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
- 3 Yr.
4 Yr.
5 Yr. - 2.52%
2.71%
3.05% - 2.55%
2.75%
3.10% - $0
$0
$0 -
Competitive rates. No monthly fees. Member FDIC.
-
- Rates as of 11/20/09
- See More Accounts
- FDIC insured
- 3 Yr.
4 Yr.
5 Yr. - 2.57%
2.71%
3.30% - 2.60%
2.75%
3.35% - $2,500
$2,500
$2,500 -
Discover Bank offers great rates, security & convenience.
-
- Rates as of 11/20/09
- See More Accounts
- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| Acacia Federal Savings Bank Online Rates as of Nov. 20th | 4 year | 2.96% | 3.00% | $500 | |
| Intervest National Bank Rates as of Nov. 20th | 4 year | 2.91% | 2.95% | $2,500 | |
| Nationwide Bank Rates as of Nov. 20th | 4 year | 2.90% | $100,000 | ||
| OneWest Bank Rates as of Nov. 20th | 4 year | 2.86% | 2.90% | $1,000 | Branch and Call Center CD Rates |
| First Internet Bank Rates as of Nov. 20th | 4 year | 2.86% | 2.90% | $1,000 | |
| Virtual Bank Rates as of Nov. 20th | 4 year | 2.85% | 2.89% | $10,000 | eCD rates for online account only |
| Capital One Direct Banking Rates as of Nov. 20th | 4 year | 2.81% | 2.85% | $5,000 | Non-jumbo CD |
| Capital One Direct Banking Rates as of Nov. 20th | 4 year | 2.81% | 2.85% | $100,000 | Jumbo CD |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 4 year | 2.81% | 2.85% | $500 | Rate effective 11/23/2009 |
| Nationwide Bank Rates as of Nov. 20th | 4 year | 2.85% | $500 | ||
| E-Loan Rates as of Nov. 20th | 4 year | 2.76% | 2.80% | $10,000 | |
| Broadway Federal (CA) Rates as of Nov. 20th | 4 year | 2.75% | 2.79% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. |
| Centennial Bank Rates as of Nov. 20th | 4 year | 2.75% | 2.78% | $10,000 | from CentennialBank.com |
| Discover Bank Rates as of Nov. 20th | 4 year | 2.71% | 2.75% | $2,500 | |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 4 year | 2.71% | 2.75% | $500 | |
| Ally Bank Rates as of Nov. 20th | 4 year | 2.71% | 2.75% | $1 | High-Yield CD |
| Third Federal S&L Rates as of Nov. 20th | 4 year | 2.75% | $500 | ||
| OneWest Bank Rates as of Nov. 20th | 4 year | 2.66% | 2.70% | $5,000 | Online CD |
| Umbrella Bank Rates as of Nov. 20th | 4 year | 2.66% | 2.70% | $1,000 | |
| Geauga Savings Bank Rates as of Nov. 20th | 4 year | 2.70% | 2.70% | $1,000 | Local funds only, contact retail offices in Ohio |
| Heritage Bank Rates as of Nov. 20th | 4 year | 2.64% | 2.67% | $5,000 | Located in Arizona |
| Ultima Bank Rates as of Nov. 20th | 4 year | 2.50% | 2.52% | $1,000 | |
| Tennessee Commerce Bank Rates as of Nov. 20th | 4 year | 2.47% | 2.50% | $2,500 | |
| MetLife Bank Rates as of Nov. 20th | 4 year | 2.25% | $25,000 | ||
| EverBank Rates as of Nov. 20th | 4 year | 2.23% | 2.25% | $1,500 | Yield Pledge CD |
| Transportation Alliance Bank Rates as of Nov. 20th | 4 year | 2.18% | 2.20% | $1,000 | |
| Bank of Internet Rates as of Nov. 20th | 4 year | 2.13% | 2.15% | $1,000 | Term 48 to 59 months |
| HSBC Direct Rates as of Nov. 20th | 4 year | 2.00% | $10 | Online CD | |
| Valley Community Bank (IL) Rates as of Nov. 20th | 4 year | 1.99% | 2.00% | $1,000 | |
| MetLife Bank Rates as of Nov. 20th | 4 year | 2.00% | $15,000 | ||
| Zions Bank Rates as of Nov. 20th | 4 year | 1.80% | 1.81% | $1,000 | Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. |
| Weymouth Bank Rates as of Nov. 20th | 4 year | 1.75% | 1.79% | $1,000 | Regular CD - South Shore Massachusetts market area |
| Waterfield Bank Rates as of Nov. 20th | 4 year | 1.74% | 1.75% | $100,000 | |
| ING Direct Rates as of Nov. 20th | 4 year | 1.75% | $1 | ||
| Advanta Bank Corp Rates as of Nov. 20th | 4 year | 1.59% | 1.60% | $2,500 | If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500. |
| 1st Source Bank Rates as of Nov. 20th | 4 year | 1.50% | $500 | Online Banking | |
| Waterfield Bank Rates as of Nov. 20th | 4 year | 1.39% | 1.40% | $1,000 | |
| Beal Bank Rates as of Nov. 20th | 4 year | 1.25% | 1.26% | $1,000 | Must be opened online to get this rate. |
| E*Trade Bank Rates as of Nov. 20th | 4 year | 1.00% | 1.00% | $1,000 | Fixed-Rate CD |
