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.
Interested in certain terms only? See below for our list of the best CD rates in the following terms:
- Best 6- to 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
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | CIT Bank 18-Month CD Account | $1,000 | 2.50% | |
| CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | BBVA Compass Bank 36-Month CD Account | $500 | 2.35% |
Best 48-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| State Bank of India | 3.44% | $25k | --- | 48-Month CD | Review |
| Community Financial Services Bank | 3.39% | $1k | --- | 49-Month CD | Review |
| NASA Federal Credit Union | 3.35% | $10k | --- | 49-Month CD | Review |
| Latino Credit Union | 3.30% | $200k | --- | 48-Month Jumbo CD | Review |
| Home Savings Bank | 3.25% | $5k | --- | 48-Month CD | Review |
| Mountain America Credit Union | 3.25% | $500 | --- | 48-Month CD | Review |
| Utah First Credit Union | 3.25% | $2k | --- | 48-Month CD | Review |
| Connexus Credit Union | 3.20% | $5k | --- | 42-Month CD | Review |
| Main Street Bank | 3.15% | $500 | --- | 48-Month CD | Review |
| Agriculture Federal Credit Union | 3.15% | $1k | --- | 48-Month CD | Review |
| M.Y. Safra Bank | 3.15% | $1k | --- | 48-Month CD | Review |
| First Internet Bank | 3.14% | $1k | --- | 48-Month CD | Review |
| Georgia Banking Company | 3.10% | $500 | --- | 48-Month CD | Review |
| Popular Direct | 3.10% | $10k | --- | 48-Month CD | Review |
Best 48-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Bank of Utica | NY | 3.50% | $500 | --- | 4 Year to 5-Year CD | Review |
| Fahey Bank | OH | 3.50% | $500 | --- | 48-Month CD | Review |
| Jefferson Financial Federal Credit Union | LA | 3.45% | $10k | --- | 48-Month CD | Review |
| Tech Credit Union | IN, IL | 3.45% | $100k | --- | 50-Month CD | Review |
| Neighbors Federal Credit Union | LA | 3.41% | $1.5k | --- | 48-Month CD | Review |
| Cross River Bank | NJ | 3.35% | $500 | --- | 48-Month CD | Review |
| First Service Credit Union | TX | 3.35% | $50k | --- | 48-Month CD | Review |
| Fairwinds Credit Union | FL | 3.30% | $1K | --- | 44-Month CD | Review |
| Lewis Clark Credit Union | ID, WA | 3.26% | $0 | --- | 48-Month CD | Review |
| America First Credit Union | AZ, ID, NV, OR, UT | 3.25% | $500 | --- | 48-59 Month CD | Review |
| P1FCU | CA | 3.25% | $500 | --- | 48-Month CD | Review |
| Rocky Mountain Credit Union | MT | 3.25% | $1k | --- | 48-Month CD | Review |
| TruMark Financial Credit Union | PA | 3.25% | $75k | --- | 48-Month Jumbo CD | Review |
Garden Savings Federal Credit Union’s 48 month 4.08% rate expired November 9, 2018 and this article is written November 29, 2018.