Compare verified 48-month CD rates
Compare current 48-month certificate of deposit APYs, minimum deposits, terms and verification dates.
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What to know before choosing this product
What is a 48-month CD?
A certificate of deposit generally pays a fixed APY for a stated term in exchange for leaving the deposit in place until maturity. Review funding deadlines, renewal rules and penalties before opening.
Does the highest CD APY always provide the best value?
Not necessarily. Minimum deposits, early-withdrawal penalties, compounding, renewal terms, insurance coverage and whether the term fits your savings timeline can change the practical value.
Can a CD rate change after the account opens?
A conventional fixed-rate CD generally keeps its stated APY through the original term, but the renewal rate may differ. Promotional, bump-up and variable products can follow different rules.
What happens when money is withdrawn before maturity?
Many CDs impose an early-withdrawal penalty, and some restrict partial withdrawals. The official disclosure controls, so review it before funding the account.