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. - 2.12%
2.31%
2.70% - 2.14%
2.34%
2.74% - $0
$0
$0 -
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- Rates as of 09/03/10
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- FDIC insured
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| First Community Federal Credit Union Rates as of Sep. 3rd | 4 year | 3.26% | 3.30% | $500 | Membership is open to employeess and students of school districts in the Michigan counties of Wayne and Monroe, as well as select businesses, family members and retirees. See site for details. |
| Flora Bank Rates as of Sep. 3rd | 4 year | 2.70% | 2.73% | $1,000 | |
| Fort Knox Credit Union Rates as of Sep. 3rd | 4 year | 2.60% | $500 | Membership is available, but not limited to select employer groups or those who live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria. | |
| Corridor State Bank Rates as of Sep. 3rd | 4 year | 2.58% | 2.60% | $1,000 | |
| Acacia Federal Savings Bank Rates as of Sep. 3rd | 4 year | 2.53% | 2.55% | $500 | Rates effective 08/30/2010 |
| Melrose Credit Union Rates as of Sep. 3rd | 4 year | 2.50% | 2.52% | $5,000 | Share Certificate - contact Melrose CU for opening paperwork |
| Black River Country Bank Rates as of Sep. 3rd | 4 year | 2.50% | 2.52% | $1,000 | |
| Crossroads Bank (crossroadsbank.com) Rates as of Sep. 3rd | 4 year | 2.50% | 2.52% | $500 | Account must be opened in person in Effingham, IL |
| Peoples National Bank (peoplesnatbank.com) Rates as of Sep. 3rd | 4 year | 2.50% | 2.52% | $1,000 | Limited to New York market area |
| Security State Bank Rates as of Sep. 3rd | 4 year | 2.48% | 2.50% | $1,000 | |
| Laurens State Bank Rates as of Sep. 3rd | 4 year | 2.50% | 2.50% | $500 | |
| First Community Bank of Hillsboro Rates as of Sep. 3rd | 4 year | 2.47% | 2.50% | $1,000 | |
| Granite Savings Bank Rates as of Sep. 3rd | 4 year | 2.47% | 2.50% | $1,000 | |
| First Green Bank Rates as of Sep. 3rd | 4 year | 2.48% | 2.50% | $1,000 | Renewable CD |
| Pentagon Federal Credit Union Rates as of Sep. 3rd | 4 year | 2.50% | $1,000 | Money Market CD-membership is open to U.S. military | |
| Quantum National Bank Rates as of Sep. 3rd | 4 year | 2.43% | 2.45% | $1,000 | Relationship CD - Limited to Georgia cutomers only |
| Heritage Bank (heritagebankaz.com) Rates as of Sep. 3rd | 4 year | 2.43% | 2.45% | $5,000 | Located in Arizona |
| Bank of Internet Rates as of Sep. 3rd | 4 year | 2.38% | 2.41% | $1,000 | Term 48 to 59 months |
| First Internet Bank Rates as of Sep. 3rd | 4 year | 2.37% | 2.40% | $1,000 | |
| Roma Bank Rates as of Sep. 3rd | 4 year | 2.34% | 2.40% | $1,000 | Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania |
| NOVA Bank Rates as of Sep. 3rd | 4 year | 2.37% | 2.40% | $500 | Fixed Rate |
| Nationwide Bank Rates as of Sep. 3rd | 4 year | 2.40% | $100,000 | ||
| Ultima Bank Rates as of Sep. 3rd | 4 year | 2.35% | 2.36% | $1,000 | |
| Geddes Federal Savings and Loan Association Rates as of Sep. 3rd | 4 year | 2.33% | 2.35% | $500 | Central New York market area only |
| Nationwide Bank Rates as of Sep. 3rd | 4 year | 2.35% | $500 | ||
| Ally Bank Rates as of Sep. 3rd | 4 year | 2.31% | 2.34% | $1 | High-Yield CD |
| Intervest National Bank Rates as of Sep. 3rd | 4 year | 2.30% | 2.32% | $2,500 | |
| Brunswick State Bank Rates as of Sep. 3rd | 4 year | 2.30% | 2.32% | $2,500 | Limited to local Nebraska market area |
| Valley Bank of Ronan Rates as of Sep. 3rd | 4 year | 2.30% | 2.32% | $1,000 | |
| Aurora Bank FSB Rates as of Sep. 3rd | 4 year | 2.28% | 2.31% | $1,000 | Rates effective on balances up to $4,999 |
| Discover Bank Rates as of Sep. 3rd | 4 year | 2.27% | 2.30% | $2,500 | |
| Virtual Bank Rates as of Sep. 3rd | 4 year | 2.25% | 2.28% | $10,000 | eCD rates for online account only |
| Silvergate Bank Rates as of Sep. 3rd | 4 year | 2.25% | 2.27% | $2,500 | Rate for balances up to $99,999 |
| Citizens State Bank Norwood Young America Rates as of Sep. 3rd | 4 year | 2.25% | 2.27% | $500 | |
| Bridge Community Bank Rates as of Sep. 3rd | 4 year | 2.25% | 2.26% | $500 | |
| First National Bank of Kansas Rates as of Sep. 3rd | 4 year | 2.24% | 2.25% | $500 | |
| First State Bank of Colfax Rates as of Sep. 3rd | 4 year | 2.24% | 2.25% | $1,000 | |
| Geauga Savings Bank Rates as of Sep. 3rd | 4 year | 2.20% | 2.20% | $1,000 | Local funds only, contact retail offices in Ohio |
| Gold Canyon Bank Rates as of Sep. 3rd | 4 year | 2.15% | 2.17% | $500 | Rate effective for balances up to $10,000 - tiered rates apply |
| Wings Financial Credit Union Rates as of Sep. 3rd | 4 year | 2.15% | 2.17% | $500 | Membership is limited to employees of the Air Transportation Industry, as well as those who live or work in select counties of the Minneapolis/St. Paul, MN, metro area |
| American Bank Online Rates as of Sep. 3rd | 4 year | 2.13% | 2.15% | $500 | |
| Coppermark Bank Rates as of Sep. 3rd | 4 year | 2.10% | 2.10% | $1,000 | Collected within Oklahoma |
| OneWest Bank Rates as of Sep. 3rd | 4 year | 2.03% | 2.05% | $1,000 | Online CD |
| E-Loan Rates as of Sep. 3rd | 4 year | 2.03% | 2.05% | $10,000 | |
| OneWest Bank Rates as of Sep. 3rd | 4 year | 2.03% | 2.05% | $1,000 | Branch and Call Center CD Rates/Southern CA residents only |
| The First Central National Bank Rates as of Sep. 3rd | 4 year | 2.00% | 2.02% | $1,000 | |
| First Banking Center Rates as of Sep. 3rd | 4 year | 2.00% | 2.02% | $2,500 | Rate may only be available online |
| Broadway Federal Rates as of Sep. 3rd | 4 year | 2.00% | 2.02% | $1,000 | Manager's Special CD Rates. Must email branch to find out specific details for this account. Located in CA. |
| Community Bank of Trenton Rates as of Sep. 3rd | 4 year | 2.00% | 2.02% | $1,000 | 48 Month CD |
| American Chartered Bank Rates as of Sep. 3rd | 4 year | 1.99% | 2.01% | $1,000 | |
| Greenville National Bank Rates as of Sep. 3rd | 4 year | 1.98% | 2.00% | $1,000 | GNB Rate Special |
| Bank of Wrightsville Rates as of Sep. 3rd | 4 year | 2.00% | 2.00% | $1,000 | |
| Bank of Blue Valley Rates as of Sep. 3rd | 4 year | 1.99% | 2.00% | $500 | 48-59 month CD |
| Longview State Bank Rates as of Sep. 3rd | 4 year | 1.99% | 2.00% | $500 | 48 month CD |
| Transportation Alliance Bank Rates as of Sep. 3rd | 4 year | 1.98% | 2.00% | $1,000 | |
| Bank of The Valley Rates as of Sep. 3rd | 4 year | 1.90% | 1.91% | $500 | |
| MetLife Bank Rates as of Sep. 3rd | 4 year | 1.90% | $25,000 | APY for balances up to $49,999 | |
| Third Federal S&L Rates as of Sep. 3rd | 4 year | 1.90% | $500 | ||
| Wedbush Bank Rates as of Sep. 3rd | 4 year | 1.80% | 1.81% | $2,500 | 48-59 month term. $24,999 maximum deposit. |
| Centennial Bank Rates as of Sep. 3rd | 4 year | 1.80% | 1.81% | $10,000 | from CentennialBank.com |
| Seacoast Commerce Bank Rates as of Sep. 3rd | 4 year | 1.80% | $1,000 | Bank by Mail CD | |
| Bank United Rates as of Sep. 3rd | 4 year | 1.74% | 1.75% | $5,000 | CD Special, must open in person at branch. |
| MetLife Bank Rates as of Sep. 3rd | 4 year | 1.75% | $15,000 | APY for balances up to $24,999 | |
| EverBank Rates as of Sep. 3rd | 4 year | 1.59% | 1.60% | $1,500 | Yield Pledge CD |
| Allied First Bank Rates as of Sep. 3rd | 4 year | 1.49% | 1.50% | $500 | |
| 1st Source Bank Rates as of Sep. 3rd | 4 year | 1.45% | $500 | Online Banking | |
| Zions Bank Rates as of Sep. 3rd | 4 year | 1.30% | 1.31% | $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. |
| First Tennessee Bank Rates as of Sep. 3rd | 4 year | 1.30% | $1,000 | With Premier Checking - special bonus rate is for First Tennessee checking customers - open in branch - minimum opening deposit varies by market and term | |
| First National Bank of Brooksville Rates as of Sep. 3rd | 4 year | 1.29% | $1,000 | ||
| Weymouth Bank Rates as of Sep. 3rd | 4 year | 1.25% | 1.28% | $1,000 | Regular CD - South Shore Massachusetts market area |
| Capital One Bank (Rate in NY) Rates as of Sep. 3rd | 4 year | 1.24% | 1.25% | $100,000 | Jumbo CD - Rate collected within: 10025 (NY) |
| Capital One Bank (Rate in IL) Rates as of Sep. 3rd | 4 year | 1.24% | 1.25% | $100,000 | Jumbo CD - Rate collected within: 60625 (IL) |
| Capital One Bank (Rate in IL) Rates as of Sep. 3rd | 4 year | 1.24% | 1.25% | $5,000 | Non-Jumbo CD - Rate collected within: 60625 (IL) |
| Capital One Bank (Rate in CA) Rates as of Sep. 3rd | 4 year | 1.24% | 1.25% | $5,000 | Non-Jumbo CD - Rate collected within: 94115 (CA) |
| Capital One Bank (Rate in CA) Rates as of Sep. 3rd | 4 year | 1.24% | 1.25% | $100,000 | Jumbo CD - Rate collected within: 94115 (CA) |
| Capital One Bank (Rate in NY) Rates as of Sep. 3rd | 4 year | 1.24% | 1.25% | $5,000 | Non-Jumbo CD - Rate collected within: 10025 (NY) |
| HSBC Rates as of Sep. 3rd | 4 year | 1.10% | $1,000 | 4 to 10 Years Less 1 Day - Stated rate is for accounts opened at an HSBC branch or by phone | |
| Greystone Bank Rates as of Sep. 2nd | 4 year | 1.10% | 1.10% | $50,000 | |
| HSBC Advance Rates as of Sep. 3rd | 4 year | 1.10% | $10 | Online only |
Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Rates are subject to change without notice and may not be the same at all branches. To promote rates as part of this rate table, contact adrates@moneyrates.com
