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.
Update 12/11/24: We’ve updated our list of the top rates for 48 month terms.
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.
Best 48-Month CD Rates – Nationwide
| Bank | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| Library Of Congress Federal Credit Union | 4.16% | $500 | --- | 36-47 Month Share Certificate | Review |
| All In Credit Union | 4.13% | $100K | --- | 48-Month CD | Review |
| Credit Human Federal Credit Union | 4.11% | $500 | --- | 36-59 Month CD | Review |
| Newtown Savings Bank | 4.00% | $500 | --- | 48 Month CD | Review |
| USAlliance Financial Federal Credit Union | 4.00% | $500 | --- | 48-Month CD | Review |
| NASA Federal Credit Union | 4.00% | $10K | --- | 49-Month Share Certificate Special | Review |
| BMO Alto | 3.80% | No Min | --- | 48-Month Online CD | Review |
| Seattle Bank | 3.80% | $1000 | --- | 48-Month CD | Review |
| The Federal Savings Bank | 3.80% | $5000 | --- | 48-Month CD | Review |
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
| Service Credit Union | 4.25% APY 9-Month CD | Review |
| Western Alliance Bank | 4.50% APY 3-Month CD | Review |
| Western Alliance Bank | 4.40% APY 6-Month CD | Review |
| First Tech Federal Credit Union | 4.35% APY 13-Month Share Certificate | Review |
| Sallie Mae | 4.35% APY 10-Month CD | Review |
| Western Alliance Bank | 4.25% APY 12-Month CD | Review |
| Ponce Bank | 4.25% APY 3-Month High Yield CD | Review |
| Sallie Mae | 4.25% APY 14-Month CD | Review |
| Ponce Bank | 4.15% APY 4-Month No-Penalty CD | Review |
| Live Oak Bank | 4.10% APY 12-Month CD | Review |
| Live Oak Bank | 4.10% APY 12-Month Business CD | Review |
| First Mid Bank & Trust | 4.08% APY 9-Month CD | Review |
| Alliant Credit Union | 4.05% APY 12-Month Certificate | Review |
| Discover Bank | Up to 4.00% APY CD | Review |
| Sun Canyon Bank | 3.87% APY 11-Month CD | Review |
| Western Alliance Bank | 3.85% APY 5-Month CD | Review |
| Quontic Bank | Up to 3.75% APY CD | Review |
| GreenState Credit Union | 3.65% APY 10-Month CD | Review |
| Blue Federal Credit Union | 3.55% APY 15-Month CD | Review |
| Blue Federal Credit Union | 3.50% APY 9-Month No Penalty CD | Review |
| CIT Bank | 3.50% APY 13-Month CD | Review |
| CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
| Southwestern National Bank | 3.40% APY 8-Month CD | Review |
| Ponce Bank | 3.00% APY 1-Month High Yield CD | Review |
| CIT Bank | 3.00% APY 6-Month CD | Review |
| CIT Bank | 3.00% APY 18-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.