US 4-Year CD Rate (I:US4YCDR)
1.24% for Dec 2025
Level Chart
Basic Info
|
US 4-Year CD Rate is at 1.24%, compared to 1.24% last month and 1.24% last year. This is higher than the long term average of 0.87%. |
| Report | National Rates and Rate Caps |
| Category | Interest Rates |
| Region | United States |
| Source | Federal Deposit Insurance Corporation |
Stats
| Last Value | 1.24% |
| Latest Period | Dec 2025 |
| Last Updated | Dec 15 2025, 15:06 EST |
| Next Release | Jan 20 2026, 11:00 EST |
| Long Term Average | 0.87% |
| Average Growth Rate | -0.34% |
| Value from Last Month | 1.24% |
| Change from Last Month | 0.00% |
| Value from 1 Year Ago | 1.24% |
| Change from 1 Year Ago | 0.00% |
| Frequency | Monthly |
| Unit | Percent |
| Adjustment | N/A |
| Notes | For deposits less than $100,000. The National Rate is calculated by the FDIC as a simple average of rates paid by all insured depository institutions and branches for which data are available. |
Historical Data
| Date | Value |
|---|---|
| December 31, 2025 | 1.24% |
| November 30, 2025 | 1.24% |
| October 31, 2025 | 1.26% |
| September 30, 2025 | 1.26% |
| August 31, 2025 | 1.26% |
| July 31, 2025 | 1.26% |
| June 30, 2025 | 1.26% |
| May 31, 2025 | 1.27% |
| April 30, 2025 | 1.27% |
| March 31, 2025 | 1.27% |
| February 28, 2025 | 1.23% |
| January 31, 2025 | 1.24% |
| December 31, 2024 | 1.24% |
| November 30, 2024 | 1.27% |
| October 31, 2024 | 1.29% |
| September 30, 2024 | 1.35% |
| August 31, 2024 | 1.35% |
| July 31, 2024 | 1.36% |
| June 30, 2024 | 1.36% |
| May 31, 2024 | 1.33% |
| April 30, 2024 | 1.32% |
| March 31, 2024 | 1.29% |
| February 29, 2024 | 1.32% |
| January 31, 2024 | 1.34% |
| December 31, 2023 | 1.33% |
| Date | Value |
|---|---|
| November 30, 2023 | 1.32% |
| October 31, 2023 | 1.30% |
| September 30, 2023 | 1.31% |
| August 31, 2023 | 1.34% |
| July 31, 2023 | 1.30% |
| June 30, 2023 | 1.29% |
| May 31, 2023 | 1.30% |
| April 30, 2023 | 1.29% |
| March 31, 2023 | 1.25% |
| February 28, 2023 | 1.15% |
| January 31, 2023 | 1.11% |
| December 31, 2022 | 0.97% |
| November 30, 2022 | 0.86% |
| October 31, 2022 | 0.73% |
| September 30, 2022 | 0.63% |
| August 31, 2022 | 0.55% |
| July 31, 2022 | 0.45% |
| June 30, 2022 | 0.31% |
| May 31, 2022 | 0.26% |
| April 30, 2022 | 0.23% |
| March 31, 2022 | 0.22% |
| February 28, 2022 | 0.22% |
| January 31, 2022 | 0.22% |
| December 31, 2021 | 0.19% |
| November 30, 2021 | 0.22% |
News
Headline
Time (ET)
12/17 08:53
12/10 15:14
12/09 10:14
Basic Info
|
US 4-Year CD Rate is at 1.24%, compared to 1.24% last month and 1.24% last year. This is higher than the long term average of 0.87%. |
| Report | National Rates and Rate Caps |
| Category | Interest Rates |
| Region | United States |
| Source | Federal Deposit Insurance Corporation |
Stats
| Last Value | 1.24% |
| Latest Period | Dec 2025 |
| Last Updated | Dec 15 2025, 15:06 EST |
| Next Release | Jan 20 2026, 11:00 EST |
| Long Term Average | 0.87% |
| Average Growth Rate | -0.34% |
| Value from Last Month | 1.24% |
| Change from Last Month | 0.00% |
| Value from 1 Year Ago | 1.24% |
| Change from 1 Year Ago | 0.00% |
| Frequency | Monthly |
| Unit | Percent |
| Adjustment | N/A |
| Notes | For deposits less than $100,000. The National Rate is calculated by the FDIC as a simple average of rates paid by all insured depository institutions and branches for which data are available. |