Compare Bank & Credit Union Rates
Best 5-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 271–285 results
- Quorum Federal Credit UnionCertificate AccountCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
4.15%APY$2,255 over 60 months on $10,000Requirements
Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.
Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.
4.07% interest rate · Effective Sep 29, 2026
Rate checked
More details - PriorityONE Credit UnionCertificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$2,255 over 60 months on $10,000Requirements
Product: Minimum to open a regular certificate is $1,000; minimum to open a jumbo certificate is $50,000. A penalty will or may be imposed for early withdrawal.
4.07% interest rate · Effective Oct 2, 2026
Rate checked
More details - Alabama ONECertificates of Deposit AccountsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$2,255 over 60 months on $10,000Requirements
Product: $1,000 minimum deposit required. Terms from 6 months to 5 years available. Dividends are compounded and paid quarterly and at maturity. $5 membership fee required. Early withdrawal penalties may apply. Jumbo rate qualifies for Personal CD deposits of $250,000 or more or approved exception.
Offer: Dividends compounded quarterly.
4.09% interest rate · Compounded quarterly · Effective Sep 25, 2026
Rate checked
More details - S. Middlesex FCUShare Certificates of Deposit (CD)CD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$2,255 over 60 months on $10,000Requirements
Product: Minimum deposit of $1,000. Dividends compounded and credited monthly. Account does not automatically renew at maturity.
4.07% interest rate · Effective Sep 15, 2026
Rate checked
More details - Peninsula Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$2,255 over 60 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 3, 2026
Rate checked
More details - First National Bank and Trust Company of BottineauCDsCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.14%APY$2,249 over 60 months on $10,000Requirements
Product: Call us for more information. Terms range from 7 days to 60 months.
Offer: 60 Month CD
4.10% interest rate · Effective Nov 4, 2025
Rate checked
More details - Del Norte Credit UnionCertificatesCD · 60 months · $1,000 min · 4.08%–4.18% by balance
Credit union · Add a location to see nearby branches
4.13%APY$2,243 over 60 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
Promotional rate · 4.00% interest rate · Compounded daily · Effective Oct 3, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.08% $10,000 and upYour amount 4.13% $100,000 and up 4.18% Rate checked
More details - SunWest Credit Union of ArizonaCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.12%APY$2,237 over 60 months on $10,000Requirements
Product: Dividends paid monthly. Fixed rates in effect for the term of the account. A penalty may be imposed for early withdrawal. Must be a SunWest member to open.
4.04% interest rate
Rate checked
More details - PALCO Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$2,231 over 60 months on $10,000Requirements
Product: Fixed rate time deposits. Dividends paid only at maturity on 6-month certificates; may be paid at maturity on terms not exceeding one year; on 12 to 60 month certificates, dividends may be paid monthly or quarterly by being deposited into a share account, mailed, or compounded back into the certificate.
Offer: Early withdrawal penalty: 1 Year.
4.05% interest rate · Effective Sep 23, 2026
Rate checked
More details - TruNorth Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$2,231 over 60 months on $10,000Requirements
Product: Membership requires living, working, worshipping, or attending school in Marquette, Iron, Dickinson, Baraga, or Alger counties in Michigan. $5.00 par value share required. Early withdrawal penalty equals 90 days interest/dividends. Automatically renewable with a 7-day grace period, though certificate specials are nonrenewal accounts and do not roll over. Dividends compounded daily and credited quarterly.
Offer: Early withdrawal penalty may be imposed. Certificate specials will not renew at end of term.
4.05% interest rate · Compounded daily
Rate checked
More details - Affinity First Federal Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.11%APY$2,231 over 60 months on $10,000Requirements
Product: $500.00 minimum required. AFFCU membership required. Rates are subject to change.
Offer: 1 Bump
Effective Oct 1, 2026
Rate checked
More details - Options Credit UnionCertificates (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: Minimum balance to open and earn is $500. Compounds monthly. Advantage Members can receive a +0.25% rate boost and Premier Advantage Members can receive a +0.50% rate boost on new certificates.
Offer: Premier Advantage APY with +0.50% rate boost. Early withdrawal penalty is 180 days interest.
Effective Oct 20, 2026
Rate checked
More details - Ironworkers USA Credit UnionLong-Term CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return. You can start with as little as $500 and set your own term up to 60 months.
4.04% interest rate · Effective Oct 13, 2026
Rate checked
More details - Abbott Laboratories Employees Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: Dividends paid monthly based on daily average balance. Automatically reinvested dividends.
Offer: Early withdrawal penalty may apply.
4.03% interest rate · Effective Feb 1, 2026
Rate checked
More details - SchoolsFirst FCUShare CertificateCD · 60 months · $500 min · 4.10%–4.30% by balance
Credit union · Add a location to see nearby branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: At maturity, account automatically renews for the same term at the current rate. During the 10-day grace period, may change term, balance, or make withdrawals without penalty.
4.02% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and upYour amount 4.10% $20,000 and up 4.15% $50,000 and up 4.20% $100,000 and upJumbo tier. 4.25% $250,000 and upJumbo tier. 4.30% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 5-year CDs pay nationwide
3,413 CDs at 3,038 banks and credit unions · checked Oct 16–23
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank