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4-year term FDIC cert #3226

Ciera Bank 4-year CD rates

Ciera Bank's 4-year certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-06-08.

3.70%
APY · 4-year
Term
4-year
Minimum deposit
$1,000
As of
2026-06-08

APY distribution · 4-year CDs

How current 4-year CD rates are spread across the market. This rate is 3.70% — higher than 97% of products in this slice.

Honest Number rate database · latest snapshot per institution

Trend · 4-year CDs

Weekly national average for 4-year CDs over the past year. Latest national average: 2.16%. This product: 3.70%.

Honest Number rate database · weekly mean from observation_date

Deposit calculator

What you'd have at the end of the full 4 years term at 3.70% APY.

At end of term (4 years)
$11,595
+ $1,595 earned

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