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 361–375 results
- Homebase Credit UnionShare CertificateCD · 60 months · $2,500 min
Credit union · Add a location to see nearby branches
4.02%APY$2,178 over 60 months on $10,000Requirements
Product: Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.
Offer: Early withdrawal penalty is 180 days of dividends.
3.95% interest rate · Effective Oct 15, 2026
Rate checked
More details - Seaboard Federal Credit UnionCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.02%APY$2,178 over 60 months on $10,000Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.95% interest rate · Effective Oct 7, 2026
Rate checked
More details - Cumberland County Federal Credit UnionRegular Share Certificate AccountCD · 60 months · $1,000 min · 4.02%–4.23% by balance
Credit union · Add a location to see nearby branches
4.02%APY$2,178 over 60 months on $10,000Requirements
Product: A minimum daily balance of $1,000 is required to earn the annual percentage yield. Fixed rate through maturity. Early withdrawal penalties may apply.
3.95% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Account Balance APY $1,000 – $50,000Your amount 4.02% $50,000 – $150,000 4.13% $150,000 and up 4.23% Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.02%APY$2,178 over 60 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.00% interest rate · Compounded daily · Effective Jan 25, 2024
Rate checked
More details - American Heritage Credit UnionCertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$2,172 over 60 months on $10,000intro rateRequirements
Product: Open with as little as $500. Listed APY paid on $1,000 minimum balance ($100,000 minimum for Jumbo). $500 minimum balance Share Certificates available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Offer: Listed APY paid on $1,000 minimum balance; $500 minimum balance available at 0.10% lower APY. A penalty will or may be imposed for early withdrawal.
Promotional rate · 3.94% interest rate · Effective Oct 23, 2026
Rate checked
More details - MTC Federal Credit UnionShare Certificates PlusCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
4.01%APY$2,172 over 60 months on $10,000Requirements
Product: Quarterly Posted Dividend Certificates. Monthly Distributed Dividend Certificates are available. Early withdrawal penalty applies. Must be a credit union member.
3.95% interest rate
Rate checked
More details - GSA FCUShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.01%APY$2,172 over 60 months on $10,000Requirements
Product: Deposit of $1,000 or more. Terms range from 6 months to 60 months. Rates reflect a minimum monthly direct deposit of $200; accounts without direct deposit receive a 0.25% reduction.
Offer: Rates reflect a minimum monthly direct deposit of $200; accounts without minimum direct deposit receive a .25% reduction to the disclosed rate.
3.95% interest rate · Effective Dec 5, 2025
Rate checked
More details - 4.01%APY$2,170 over 60 months on $10,000
Requirements
Product: Must meet credit union membership eligibility requirements. Minimum balance required. Early withdrawal penalties apply.
4.00% interest rate
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More details - MERCO Credit UnionTerm CertificatesCD · 6–60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYintro rateRequirements
Offer: Flex Term Promotion (6-60 Months)
Promotional rate · 3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - Eastman Credit UnionInvestment CertificatesCD · 49–60 months · $1,000 min · 4.00%–4.05% by balance
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.
Offer: Term: 4 to 5 Years (1,461 to 1,825 days). Early withdrawal penalty: 180 Days' Dividends.
3.93% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investment Certificates Balance APY $1,000 and upYour amount 4.00% $100,000 and upJumbo tier ($100k Minimum). 4.05% Rate checked
More details - Civic Federal Credit UnionChoice CertificateCD · 49–60 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APYwith conditionsRequirements
Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).
Qualified rate · 3.92% interest rate · Compounded monthly · Effective Sep 2, 2026
Rate checked
More details - UPS Employees Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends compounded and paid monthly. 10-day grace period at maturity to make changes or withdraw funds. Automatically renews into the same certificate term. Early withdrawal penalties may apply.
3.92% interest rate
Rate checked
More details - Telhio Credit UnionCertificate of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Open to anyone who lives, works, worships or goes to school in Central and Southwest Ohio. Early withdrawal penalty may reduce earnings. Interest is compounded and paid quarterly.
Offer: Fees such as a penalty for early withdrawal on Share CDs may reduce earnings.
3.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - Vida Federal Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Terms from 3 to 60 months. Dividends paid monthly and may be added to certificate or paid out to another Vida account. Upon maturity, 7 calendar day grace period to renew, change terms/balance, or withdraw without penalty; otherwise auto-renews at prevailing rate. Early withdrawal penalties apply. $0 monthly fee.
Offer: Early withdrawal penalty 180 days of dividends. Dividend rate 3.92%.
3.92% interest rate · Effective Oct 21, 2026
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More details - First National Bank of BlanchesterCODsCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Certificates require a $1,000.00 minimum deposit. Rates change each Tuesday. Substantial interest penalty for early withdrawal.
Offer: Term: 5 Years. Substantial interest penalty for early withdrawal. Rates change each Tuesday.
4.00% interest rate · Effective Oct 20, 2026
Rate checked
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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
3,411 CDs at 3,035 banks and credit unions · checked Oct 22–23
- 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