Bank · FDIC insured
Salem Five Direct CD Rates
Top CarrotSalem Five Direct’s best CD rate is 4.36% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 25, 2026.
How Salem Five Direct’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Salem Five Direct
4.36%APY
- Term
- 18 months
- Minimum
- $10,000
- Earns on $10,000
- $661
Special CDs
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
Salem Five Direct CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.36%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.36%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Salem Five Direct ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special CDs
Up to 4.36%APY · 9 terms
Personal accounts only. A penalty will be imposed for premature withdrawal. Maximum deposit amount is $500,000 for Special CD and Special IRA CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 4.00% | $231 |
| 12 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 4.00% | $400 |
| 15 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 4.25% | $534 |
| 18 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 4.36% | $661 |
| 24 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 3.50% | $712 |
| 30 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 2.00% | $508 |
| 36 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 2.00% | $612 |
| 48 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 2.25% | $931 |
| 60 monthsPersonal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000 | 2.25% | $1,177 |
Sources (2)
All captured Oct 25, 2026
Regular CDs
Up to 2.76%APY · 9 terms
Personal accounts only. A penalty will be imposed for premature withdrawal. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | — | 0.05% | 0.05% | $1 |
| 6 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | — | 2.76% | 2.76% | $137 |
| 12 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | 2.76% | — | 2.76% | $276 |
| 18 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | 2.25% | — | 2.25% | $339 |
| 24 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | 2.25% | — | 2.25% | $455 |
| 30 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | 0.35% | — | 0.35% | $88 |
| 36 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | 0.35% | — | 0.35% | $105 |
| 42 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | 0.50% | — | 0.50% | $176 |
| 60 monthsPersonal accounts only. Penalty for premature withdrawal. Fees may reduce earnings | 0.50% | — | 0.50% | $253 |
Sources (1)
- salemfivedirect.com/current-offered-rates · captured Oct 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.