48-month CD rates range from 4.07% to 5.10% APY, verified by MonitorBankRates as of October 12, 2026. Top 48-month CD rates currently available include Toyota Financial Savings BankToyota Financial Savings Bank2485 Village View Dr, Henderson, NV 89074A+5.0 ★Texas Ratio: 1.12%Real return: +2.30%APY minus CPI (February 2026) offering 48 Month CERTIFICATES OF DEPOSIT at 5.10% APY, and Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +2.30%APY minus CPI (February 2026) offering 4 Year FDIC-Insured Certificate of Deposit at 5.10% APY, and Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%Real return: +2.30%APY minus CPI (February 2026) offering 48 Month Certificate at 5.10% APY, and Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.97%Real return: +2.20%APY minus CPI (February 2026) offering Mini-Jumbo IRA Share Certificate - 4 year at 5.00% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.
A 4-year CD is the longest standard CD term, designed for savers who want to maximize fixed yield and are comfortable locking in funds for the long term. It is often the highest-yielding option available and pairs naturally with retirement or long-term savings goals. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose a stable institution with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 60-Month CD Rates Last Updated and Verified: October 12, 2026
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Type: Regular/IRA; Dividends compound & paid: Daily
Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.
Balance: $100,000 and over
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Balance: $100,000+
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Penalty: 180 Days1
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Balance: $250,000.01+
Balance: $1,000,000.00+
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Balance: $100,000.00 and over
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Balance: $75,000 to $199,999.99
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Balance: $10,000+
Rates effective October 1, 2026
Balance: $1,000
$500.00 and above; Special promotional as-high-as rate (footnote **); early withdrawal penalty applies
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Jumbo/Min. $90,000
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Balance: $100,000 and above
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Special Rate (APY)
Interest paid quarterly
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Balance: $100,000 and over
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Early Withdrawal Penalty: Yes
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Credit Quarterly
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Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal
Balance: $225,000 or greater
Balance: $99,000 and over
Balance: $75,000.00 and up
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Term: 48 Month ($25,000 or more)
Loyalty Rates: 0.05%
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Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Paid Monthly
Penalties apply for early withdrawal
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Interest Rate $1,000 - $249,999.99 Daily balance to earn APY
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Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted
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Fixed APY | No minimum balance
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Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.49% (add .20%)
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Balance: $100,000 & over
APY is based on a $1,000 deposit and may vary based on the amount of deposit.
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Interest Compounded: Quarterly; Interest Credited: Quarterly
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Standard Dividend Rate: 3.930%, Standard *A.P.Y.: 4.00%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
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Interest Frequency: Semi
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Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly
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Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution.
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Minimum opening deposit is $1,000; Rates effective as of 10/6/2026
Balance: $10,000
Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
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Minimum to open $1,000.00
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Minimum: $500 minimum opening balance
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Jumbo IRA
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Effective 10/01/2026
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Balance: >= $150,000
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A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.
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Share & IRA Certificate; fixed rate
Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
Balance: $95,000+; JUMBO
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48 Months*
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APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
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Balance: $150,000.00 or more
Compounding: dividend rate 4.10%, APY compounding 4.18%
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Minimum balance to open and earn APY (4.07% dividend rate): $100
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Effective September 18, 2026; Early withdrawal penalty applies
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
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Minimum Amount: $500.00; Source APR column shown as rate
Interest Paid: Quarterly
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Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
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ConnectMORE APY: 4.25%
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Compounded: Quarterly; Credited: Quarterly
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Balance: $50,000-$99,999
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Balance: $100,000 +
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Balance: $100,000 +
MonitorBankRates tracks 4,865 48-month CD rates from 2,531 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Toyota Financial Savings Bank offers a 48-month CD at 5.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers.
Daily national average APY for 48-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
National 48-month CD rates rose 0.030 points over the past 7 days to 2.802% APY, up from 2.772% 7 days ago.
Where are 48-month CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Enter any deposit amount to see exactly how much interest you earn at the end of your 48-month term at today’s top APY.
CD Ladder with 48 months RungA 4-year CD anchors the long end of a CD ladder. See how pairing it with 12 and 24-month CDs gives you periodic access while maximizing yield on a portion of savings.
Early Withdrawal Penalty48-month CDs typically carry a 270–365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
48-Month CD vs. High-Yield Savings4-year CD rates offer one of the highest fixed yields available. Compare to savings accounts to quantify exactly how much more a 48-month commitment earns over the same period.
What to compare when shopping for a 48-month CD
To find the best APYs on a 48-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 48-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
| Feature | 48-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 48 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Direct-Sourced & Verified CD Rate Data: We aggregate 48-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 4-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.