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 331–345 results
- Colorado Federal BankCertificates of DepositCD · 60 months · $5,000 min
Bank · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Accounts available for individuals only. Online CD. No monthly maintenance fee, ACH fee or online Account fee.
Offer: Early withdrawal penalty equals 6 months' worth of interest.
3.97% interest rate · Effective Oct 15, 2026
Rate checked
More details - Educational Systems Federal Credit UnionCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Star Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
Promotional rate · 3.99% interest rate · Effective Oct 19, 2026
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More details - Aspire Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: Membership required. Insured by NCUA.
Offer: Features a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends).
Promotional rate · 3.99% interest rate · Effective Oct 15, 2026
Rate checked
More details - Tarrant County's Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: $1,000 minimum to open and obtain disclosed annual percentage yield. Interest compounds monthly and is paid monthly. Early or partial withdrawal of certificate may result in a penalty.
3.98% interest rate · Balance cap $49,999.99 · Effective Oct 19, 2026
Rate checked
More details - Meriwest Credit UnionCertificate AccountsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: Membership is required with a one-time non-refundable $5 fee. Early withdrawal penalties apply. Rates are for consumer accounts only and not available for institutional certificates.
Offer: Penalty may apply for early withdrawal. Limited time offer.
Promotional rate · 3.97% interest rate · Effective Oct 13, 2026
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More details - Treadwell Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.
Effective Oct 16, 2026
Rate checked
More details - Shoreline Hometown Credit UnionFlex CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Allows continuous deposits over the duration of the certificate's term. Requires new money deposits. Compounded and credited quarterly. Penalty for early withdrawal is half of interest earned over the term.
Offer: Requires $1,000 new money deposit.
3.99% interest rate · Effective Oct 16, 2026
Rate checked
More details - Michigan One Community Credit UnionRegular CDsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.
3.98% interest rate · Effective Oct 15, 2026
Rate checked
More details - La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000with conditionsRequirements
Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
Offer: APY 4.05% with $500 minimum opening.
Qualified rate · Effective Oct 9, 2026
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More details - Partner Colorado Credit UnionRegular Certificate of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: CD earning rates are fixed. A penalty will be imposed for early withdrawal (90 days interest for terms <= 12 months, 180 days interest for terms > 12 months).
Offer: Early withdrawal penalty is 180 days of interest.
Promotional rate · 3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - Tucson Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.
Offer: Disclosed dividend rate 3.97%. 5 Year term.
3.97% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Arbor Financial Credit UnionCertificate of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100). Rate remains the same throughout the term. Automatically renews unless different option selected.
Offer: Explorer's Club members have a minimum of $100.
Compounded monthly · Effective Oct 1, 2026
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More details - LGE Community Credit UnionCertificates / CDCD · 60 months · $1,000 min · 4.05%–4.16% by balance
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Membership eligibility required. Minimum opening deposit amount starts at $1,000.00. Dividends are compounded monthly on all deposit accounts, unless elected to transfer or withdraw dividends prior to compounding.
Offer: Early withdrawal penalty: 450 Days Dividends.
3.97% interest rate · Compounded monthly · Effective Sep 25, 2026
Rate by balance
Rate by balance for Certificates / CD Balance APY $1,000 and upYour amount 4.05% $100,000 and up 4.16% $250,000 and up 4.16% Rate checked
More details - Tri-County Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Effective Jan 2, 2025
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More details - Lakeview Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: The minimum balance required to open and maintain this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield. There is a penalty for early withdrawal.
Offer: Dividends paid quarterly. Early withdrawal penalty is 365 days.
3.98% interest rate · Effective Jul 30, 2026
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