If you’re looking for the Best 48-Month CD Rates to invest your funds in, you’re in the right spot. Below is our guide to help you find the Best 48-Month CD Rates.
Certificate of deposits, otherwise known as CDs, will offer you one of the best & secure way to get a return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Looking for a more full, extensive list of available CD rates? see our post on the Best CD Rates. We advise checking out the Discover CD account.
Interested in certain terms only? See below for our list of the best CD rates in the following terms:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 60-Month CD Rates
| CIT BANK CD TERM | RATE | LINK |
| 12-Month Term | 0.30% APY | Apply Now |
| 13-Month Term | 0.35% APY | Apply Now |
| 18-Month Term | 0.30% APY | Apply Now |
| 4-Year Term | 0.50% APY | Apply Now |
Best 48-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Ideal Credit Union | 1.21% | $70k | --- | 48-Month CD | Review |
| Wings Financial Credit Union | 1.21% | $250k | --- | 48-Month CD | Review |
| Barksdale Federal Credit Union | 1.20% | $1K | --- | 48-Month CD | Review |
| Evansville Teachers Federal Credit Union | 1.20% | $1K | --- | 48-Month CD | Review |
| Georgia's Own Credit Union | 1.20% | $500 | --- | 48-Month CD | Review |
| Hiway Federal Credit Union | 1.20% | $25k | --- | 48-Month CD | Review |
| Hyperion Bank | 0.90% | $500 | --- | 48-Month CD | Review |
| Pen Air Federal Credit Union | 1.10% | $500 | --- | 48-Month CD | Review |
| Primary Bank | 1.04% | $1k | --- | 48-Month CD | Review |
| Blue Federal Credit Union | 0.90% | $2k | --- | 48-Month CD | Review |
| iGobanking | 0.90% | $1k | --- | 48-Month CD | Review |
| First Internet Bank | 0.86% | $1k | --- | 48-Month CD | Review |
Best 48-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Massena Savings and Loan | NY | 1.84% | $1k | --- | 48-Month CD | Review |
| Chicago Municipal Employees Credit Union | IL | 1.65% | $25K | --- | 48-Month CD | Review |
| Navigator Credit Union | AL, MS | 1.65% | $100K | --- | 48-Month Jumbo CD | Review |
| La Joya Area Credit Union | TX | 1.61% | $1k | --- | 48-Month CD | Review |
| Texas Citizens Bank | TX | 1.56% | $10k | --- | 48-Month One Bump CD | Review |
| Via Credit Union | IN | 1.56% | $500 | --- | 48-59 Month HSA CD | Review |
| SeaComm Federal Credit Union | NY, VT | 1.55% | $1K | --- | 4-Year CD | Review |
| Encompass Credit Union | IN | 1.51% | $500 | --- | 48-Month CD | Review |
| Credit Union 1 | AK | 1.41% | $100k | --- | 48-Month Jumbo CD | Review |
| Lexington Federal Credit Union | NY | 1.40% | $500 | --- | 48-Month CD | Review |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $300 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| Ally Invest | Up to $3,500 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| American Express High Yield Savings | 0.50% APY | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
Garden Savings Federal Credit Union’s 48 month 4.08% rate expired November 9, 2018 and this article is written November 29, 2018.