Highest 4-Year CD Rates in Pennsylvania
60 Pennsylvania-specific 48-Month CD products
The Pennsylvania market
Pennsylvania accounts
60
Institutions
55
Top Pennsylvania APY
4.54% APY
Nationally: 4.95% APY
FDIC national average
1.31%
As of Oct 2026
60 48-month CDs are open only to Pennsylvania residents, from 55 institutions. The highest advertised APY among them is 4.54%.
The highest nationally available rate is 4.95% APY, 41 basis points above the Pennsylvania leader.
40 of the 60 Pennsylvania 48-month CDs advertise more than the FDIC national average of 1.31% for 48-month CDs as of Oct 2026.
Pennsylvania-Specific 48-Month CD Rates
48-Month CD rates specifically available to Pennsylvania residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.54%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #2 | 4.25%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #3 | 4.10%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #4 | 3.79%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #5 | 3.75%APY Observed: Oct 28, 2026 Branches: Yes | $2,000 | ||
| #6 | 3.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #7 | 3.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #8 | 3.55%APY Needs at least $5,000 Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #9 | 3.50%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #10 | 3.49%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #11 | 3.40%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #12 | 3.25%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #13 | Up to3.10%APY On balances of $50,000 to $2,000,000 · 2.90% below Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.05%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #15 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $2,000 | ||
| #16 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #17 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #18 | 3.00%APY Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #19 | 2.78%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #20 | 2.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #21 | 2.75%APY Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #22 | 2.53%APY Observed: Oct 28, 2026 Branches: Yes | $10,000 | ||
| #23 | 2.50%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #24 | 2.50%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #25 | 2.50%APY Observed: Oct 24, 2026 Branches: Yes | $500 | ||
| #26 | 2.43%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #27 | 2.25%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #28 | Up to2.22%APY Needs at least $100,000 Observed: Oct 27, 2026 Branches: Yes | $1,000 | ||
| #29 | 2.20%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #30 | 2.00%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #31 | 1.95%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #32 | 1.90%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #33 | 1.81%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #34 | Up to1.80%APY On balances of $250,000 to $1,000,000 · 1.30% below Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #35 | 1.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #36 | 1.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #37 | 1.60%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #38 | Up to1.55%APY On balances of $250,000 to $1,000,000 · 1.05% below Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #39 | 1.51%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #40 | 1.50%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #41 | Up to1.26%APY Needs at least $100,000 Observed: Oct 22, 2026 Branches: Yes | $500 | ||
| #42 | 1.25%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #43 | 1.10%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #44 | 1.10%APY Observed: Oct 28, 2026 Branches: Yes | $100,000 | ||
| #45 | 1.09%APY Observed: Oct 28, 2026 Branches: Yes | $5,000 | ||
| #46 | 1.09%APY Observed: Oct 28, 2026 Branches: Yes | $100,000 | ||
| #47 | 1.06%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #48 | 1.05%APY Needs at least $5,000 Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #49 | 1.01%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #50 | 1.01%APY Observed: Oct 28, 2026 Branches: Yes | $500 |
$500
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$2,000
Yes
$500
Yes
$500
Yes
Needs at least $5,000
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
On balances of $50,000 to $2,000,000 · 2.90% below
$1,000
Yes
$500
Yes
$2,000
Yes
N/A
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$2,500
Yes
$10,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
On balances of $250,000 to $1,000,000 · 1.30% below
$1,000
Yes
$500
Yes
$500
Yes
$500
Yes
On balances of $250,000 to $1,000,000 · 1.05% below
$1,000
Yes
N/A
Yes
$500
Yes
Needs at least $100,000
$500
Yes
$1,000
Yes
$500
Yes
$100,000
Yes
$5,000
Yes
$100,000
Yes
$500
Yes
Needs at least $5,000
$500
Yes
$1,000
Yes
$500
Yes
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Nationally Available 48-Month CD Rates
The 8 highest 48-Month CD rates available nationwide, including in Pennsylvania.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 48 Months48 months | 4.95% |
| Bread Savings | 4-Year CD48 months | 4.65% |
| Synchrony Bank | 48 Month CD48 months | 4.65% |
| Barclays | 48-Month CD48 months | 4.50% |
| KS StateBank | 4 Year CD48 months | 4.50% |
| Marcus by Goldman Sachs | 4 Year CD48 months | 4.40% |
| Capital One | 48-Month CD48 months | 3.50% |
| EverBank | 48-Month CD48 months | 3.40% |
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.