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 | 1.86% APY | Apply Now |
| 13-Month Term | 1.82% APY | Apply Now |
| 18-Month Term | 1.85% APY | Apply Now |
| DISCOVER CD TERM | RATE | LINK |
| 12-Month Term | 1.75% APY | Apply Now |
| 24-Month Term | 1.75% APY | Apply Now |
| 36-Month Term | 1.80% APY | Apply Now |
| 48-Month Term | 1.80% APY | Apply Now |
| 84-Month Term | 1.80% APY | Apply Now |
Best 48-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Pen Air Federal Credit Union | 2.30% | $500 | --- | 48-Month CD | Review |
| Advancial | 2.10% | $50k | --- | 48-Month Jumbo CD | Review |
| Georgia's Own Credit Union | 2.00% | $500 | --- | 48-Month CD | Review |
| Northrop Grumman Federal Credit Union | 2.10% | $40k | --- | 48-Month CD | Review |
| Hiway Federal Credit Union | 1.90% | $25k | --- | 48-59 Month CD | Review |
| Barclays | 1.85% | --- | --- | 48-Month Online CD | Review |
| First National Bank of America | 1.85% | $1k | --- | 48-Month CD | Review |
| Marcus By Goldman Sachs | 1.85% | $500 | --- | 48-Month CD | Review |
| Greenwood Credit Union | 1.65% | $1k | --- | 48-Month CD | Review |
| Prime Alliance Bank | 1.65% | $500 | --- | 48-Month CD | Review |
Best 48-Month CD Rates – State/Local
| Bank | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Kansas Credit Union | MI | 2.75% | $500 | --- | 48-Month CD | Review |
| Rio Grande Credit Union | NM | 2.63% | $25k | --- | 48-Month CD | Review |
| St. Paul Federal Credit Union | MN | 2.25% | $1k | --- | 48-Month CD | Review |
| Dort Federal Credit Union | MI | 2.15% | $1k | --- | 54-Month CD | Review |
| Encompass Credit Union | IN | 2.02% | $500 | --- | 48-Month CD | Review |
| Members Heritage Credit Union | KY | 2.02% | $100k | --- | 48-Month Jumbo CD | Review |
| Credit Union 1 | AK | 2.01% | $100k | --- | 48-Month Jumbo CD | Review |
| Via Credit Union | IN | 1.76% | $500 | --- | 48-59 Month HSA CD | Review |
| Shell Federal Credit Union | TX | 1.70% | $100k | --- | 48-Month CD | Review |
| SAFE Federal Credit Union | SC | 1.67% | $100k | --- | 48-Month 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.