Highest 4-Year CD Rates
Compare 48-Month CD rates from 87 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:3.99-4.50% APYFDIC or NCUA Insured

119 active 48-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 4-Year CD Rates

Ordered by highest APY. Showing the top 50 of 119 48-month cd products tracked across 87 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 34 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Popular Direct 48 Months Term: 48 months	4.50%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#2	Grant County Bank 48-Month CD Term: 48 months	4.42%APY Verified: Aug 20, 2026 Access: Branch access	$100
#3	Bread Savings 4-Year CD Term: 48 months	4.25%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#4	Exchange State Bank 48 Months CD Term: 48 months	4.25%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#5	Marcus by Goldman Sachs 4 Year CD Term: 48 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$500
#6	Poppy Bank 48-Month IRA CD Term: 48 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#7	Poppy Bank 48-Month CD Term: 48 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#8	Synchrony Bank 48 Month CD Term: 48 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#9	Synchrony Bank 48 Month IRA CD Term: 48 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#10	Farmers and Merchants Union Bank 48 Month IRA CD Term: 48 months	3.99%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#11	Farmers and Merchants Union Bank 48 Month CD Term: 48 months	3.94%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#12	Farmers and Merchants Union Bank 48 Month HSA CD Term: 48 months	3.94%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#13	FinWise Bank 48-Month Certificate Term: 48 months	3.84%APY Verified: Aug 16, 2026 Access: Branch access	$500
#14	First Federal Savings and Loan Association of Lakewood 48-Month CD Term: 48 months	3.75%APY Verified: Aug 21, 2026 Access: Branch access	$500
#15	Global Bank 48-Month Certificate of Deposit Term: 48 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#16	First Federal Bank of Kansas City 48-Month CD Term: 48 months	3.60%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#17	Garden Plain State Bank 4 Year CD Term: 48 months	3.55%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#18	Capital One 48-Month CD Term: 48 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$0
#19	Farmers & Merchants State Bank 48 Month Reverse CD Term: 48 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$500
#20	Garden Plain State Bank 4 Year IRA CD Term: 48 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#21	Gate City Bank 4 Year Relationship CD Term: 48 months	3.50%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#22	Global Bank 48-Month Traditional IRA CD Term: 48 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#23	Global Bank 48-Month Roth IRA CD Term: 48 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#24	Peoples State Bank of Plainview 48-Month CD Term: 48 months	3.44%APY Verified: Aug 19, 2026 Access: Branch access	$250
#25	EverBank 48-Month CD Term: 48 months	3.40%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#26	Farm Bureau Bank FSB 4 Year CD Term: 48 months	3.35%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#27	FirstBank of Nebraska 48 Month CD Term: 48 months	3.35%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#28	FirstBank of Nebraska 48 Month IRA CD Term: 48 months	3.35%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#29	Bonanza Valley State Bank 48-Month CD Term: 48 months	3.30%APY Verified: Aug 19, 2026 Access: Branch access	$500
#30	Farmers State Bank 4 Year CD Term: 48 months	3.30%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#31	Farmers State Bank 4 Year IRA Term: 48 months	3.30%APY Verified: Aug 19, 2026 Access: Branch access	$500
#32	Forbright Bank 48-59 Month CD Term: 48-59 months	3.25%APY Verified: Aug 20, 2026 Access: Branch access	$1,000
#33	StonehamBank, A Co-operative Bank 48-Month CD Term: 48 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#34	StonehamBank, A Co-operative Bank IRA 48-Month CD Term: 48 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#35	Carver Bank 48 Month CD Term: 48 months	3.17%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#36	First Bank Elk River 4 Year CD Term: 48 months	3.14%APY Verified: Aug 15, 2026 Access: Branch access	$500
#37	First Bank Elk River 4 Year IRA CD Term: 48 months	3.14%APY Verified: Aug 15, 2026 Access: Branch access	$500
#38	Farm Bureau Bank FSB 4 Year CD with Step-Up Option Term: 48 months	3.10%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#39	First Federal Savings and Loan Association of Central Illinois, S.B. 48 Month CD Term: 48 months	3.05%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#40	First Federal Savings and Loan Association of Central Illinois, S.B. 48 Month IRA Term: 48 months	3.05%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#41	Ergo Bank 48 Month CD Term: 48 months	3.02%APY Verified: Aug 16, 2026 Access: Branch access	$500
#42	Ergo Bank 48 Month IRA CD Term: 48 months	3.02%APY Verified: Aug 16, 2026 Access: Branch access	$500
#43	First State Bank 48 Month CD Term: 48 months	3.02%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#44	ableBanking 4-Year CD Term: 48 months	3.00%APY Verified: Aug 19, 2026 Access: Online only	$5,000
#45	Florence Bank 48 Month CD Term: 48 months	3.00%APY Verified: Aug 19, 2026 Access: Branch access	$500
#46	Florence Bank 48 Month IRA CD Term: 48 months	3.00%APY Verified: Aug 19, 2026 Access: Branch access	$500
#47	Gate City Bank 4 Year CD Term: 48 months	3.00%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#48	BMO Alto 48-Month CD Term: 48 months	2.90%APY Verified: Aug 19, 2026 Access: Online only	$0
#49	Citizens Access™ Citizens Access 4 Year Online CD Term: 48 months	2.75%APY Verified: Aug 19, 2026 Access: Online only	$5,000
#50	First Mid Bank & Trust, National Association 48 Month CD Term: 48 months	2.75%APY Verified: Aug 15, 2026 Access: Branch access	$1,000

Popular Direct

48 Months

Term: 48 months

4.50%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

Grant County Bank

48-Month CD

Term: 48 months

4.42%

APY

Verified: Aug 20, 2026

Min Deposit

$100

Access

Branch access

Bread Savings

4-Year CD

Term: 48 months

4.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

Exchange State Bank

48 Months CD

Term: 48 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

Marcus by Goldman Sachs

4 Year CD

Term: 48 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

Poppy Bank

48-Month IRA CD

Term: 48 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

Poppy Bank

48-Month CD

Term: 48 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

Synchrony Bank

48 Month CD

Term: 48 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Synchrony Bank

48 Month IRA CD

Term: 48 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#10

Farmers and Merchants Union Bank

48 Month IRA CD

Term: 48 months

3.99%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#11

Farmers and Merchants Union Bank

48 Month CD

Term: 48 months

3.94%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#12

Farmers and Merchants Union Bank

48 Month HSA CD

Term: 48 months

3.94%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#13

FinWise Bank

48-Month Certificate

Term: 48 months

3.84%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#14

First Federal Savings and Loan Association of Lakewood

48-Month CD

Term: 48 months

3.75%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#15

Global Bank

48-Month Certificate of Deposit

Term: 48 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#16

First Federal Bank of Kansas City

48-Month CD

Term: 48 months

3.60%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#17

Garden Plain State Bank

4 Year CD

Term: 48 months

3.55%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#18

Capital One

48-Month CD

Term: 48 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Branch access

#19

Farmers & Merchants State Bank

48 Month Reverse CD

Term: 48 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#20

Garden Plain State Bank

4 Year IRA CD

Term: 48 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#21

Gate City Bank

4 Year Relationship CD

Term: 48 months

3.50%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#22

Global Bank

48-Month Traditional IRA CD

Term: 48 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#23

Global Bank

48-Month Roth IRA CD

Term: 48 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#24

Peoples State Bank of Plainview

48-Month CD

Term: 48 months

3.44%

APY

Verified: Aug 19, 2026

Min Deposit

$250

Access

Branch access

#25

EverBank

48-Month CD

Term: 48 months

3.40%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#26

Farm Bureau Bank FSB

4 Year CD

Term: 48 months

3.35%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#27

FirstBank of Nebraska

48 Month CD

Term: 48 months

3.35%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#28

FirstBank of Nebraska

48 Month IRA CD

Term: 48 months

3.35%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#29

Bonanza Valley State Bank

48-Month CD

Term: 48 months

3.30%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#30

Farmers State Bank

4 Year CD

Term: 48 months

3.30%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#31

Farmers State Bank

4 Year IRA

Term: 48 months

3.30%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#32

Forbright Bank

48-59 Month CD

Term: 48-59 months

3.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Branch access

#33

StonehamBank, A Co-operative Bank

48-Month CD

Term: 48 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#34

StonehamBank, A Co-operative Bank

IRA 48-Month CD

Term: 48 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#35

Carver Bank

48 Month CD

Term: 48 months

3.17%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#36

First Bank Elk River

4 Year CD

Term: 48 months

3.14%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#37

First Bank Elk River

4 Year IRA CD

Term: 48 months

3.14%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#38

Farm Bureau Bank FSB

4 Year CD with Step-Up Option

Term: 48 months

3.10%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#39

First Federal Savings and Loan Association of Central Illinois, S.B.

48 Month CD

Term: 48 months

3.05%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#40

First Federal Savings and Loan Association of Central Illinois, S.B.

48 Month IRA

Term: 48 months

3.05%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#41

Ergo Bank

48 Month CD

Term: 48 months

3.02%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#42

Ergo Bank

48 Month IRA CD

Term: 48 months

3.02%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#43

First State Bank

48 Month CD

Term: 48 months

3.02%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#44

ableBanking

4-Year CD

Term: 48 months

3.00%

APY

Verified: Aug 19, 2026

Min Deposit

$5,000

Access

Online only

#45

Florence Bank

48 Month CD

Term: 48 months

3.00%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#46

Florence Bank

48 Month IRA CD

Term: 48 months

3.00%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#47

Gate City Bank

4 Year CD

Term: 48 months

3.00%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#48

BMO Alto

48-Month CD

Term: 48 months

2.90%

APY

Verified: Aug 19, 2026

Min Deposit

Access

Online only

#49

Citizens Access™

Citizens Access 4 Year Online CD

Term: 48 months

2.75%

APY

Verified: Aug 19, 2026

Min Deposit

$5,000

Access

Online only

#50

First Mid Bank & Trust, National Association

48 Month CD

Term: 48 months

2.75%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access