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 391–405 results
- Leatherstocking 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: Must be or become a member to establish any of the above accounts. Minimum of $500 required for all Certificates. Penalty for early maturity of CD is 3 months interest.
3.92% interest rate · Effective Oct 16, 2026
Rate checked
More details - Pathways Financial Credit UnionShare CertificatesCD · 60 months · $500 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Rate and annual percentage yield is fixed for the term of the share certificate. Penalty for early withdrawal of principal: 180 days' dividends for terms less than 36 months, 365 days' dividends for terms equal to or greater than 36 months. Must allow earnings to be added to certificate balance to earn stated APY; withdrawal of monthly earnings will not allow earning stated APY.
Offer: Early withdrawal penalty applies (365 days' dividends for terms 36 months or greater). Earnings must remain in certificate to earn stated APY.
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.00% $100,000 and up 4.10% Rate checked
More details - Wescom FinancialShare CertificateCD · 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: Rates as of 10/7/2026 in header; disclosure states accurate as of 08/04/2026. Minimum opening deposit and balance to obtain APY is $500.00. Additional bonus dividends available for Signature and Platinum Signature members.
Offer: Platinum Signature Member tier; 60 months.
3.92% interest rate
Rate checked
More details - First Federal SavingsCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000intro rateRequirements
Product: Rate subject to change daily. Interest may be paid by check or transferred to a First Federal checking or savings account. Minimum additions of $250.00 or more permitted for some terms. Penalty may be imposed for early withdrawal.
Offer: 5 Year CD
3.95% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Must live or work in Minnesota, or have an open and active account with Think Bank. Early withdrawal penalties apply: 90 days interest on accounts that mature in less than 2 years; 181 days interest on accounts that mature in 2 or more years. No service fees or sales charges.
Offer: Interest paid quarterly.
3.94% interest rate · Effective Oct 9, 2026
Rate checked
More details - Ixonia BankCertificate of DepositCD · 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: Early withdrawal may be subject to penalty. Fees may reduce earnings.
Offer: Minimum balance to open/obtain the APY.
3.94% interest rate
Rate checked
More details - Community First Credit UnionCertificatesCD · 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: Penalty for early withdrawal on Certificates.
Offer: Penalty for early withdrawal on Certificates.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Mutual Savings AssociationCAP Member and Special CDsCD · 60 months · $2,000 min
Bank · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Eligibility Requirements Apply: CAP Member (Client Appreciation Program Member in good standing) OR Non-CAP Member with New Dollars (foreign funds/dollars from outside Mutual Savings). For maturing CDs, client must add 50% of maturing balance or $2,000, whichever is less (foreign funds outside Mutual Savings). Early withdrawal penalty applies.
Offer: 5 Year Certificate. CAP Member or New Dollars eligibility required. Early withdrawal penalty applies.
3.94% interest rate
Rate checked
More details - Centric Federal Credit UnionRegular CertificateCD · 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: Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Offer: Penalty for early withdrawal.
3.93% interest rate · Effective Sep 28, 2026
Rate checked
More details - Citizens BankCertificates of Deposit (CDs)CD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Effective Oct 1, 2026
Rate checked
More details - Tennessee Members 1st Federal Credit UnionRegular CertificateCD · 60 months
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,0003.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Broward HealthCare Federal Credit UnionShare CertificatesCD · 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: Dividends compounded monthly and paid quarterly. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - MIDFLORIDA Credit UnionCertificate SpecialsCD · 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: Membership and eligibility requirements apply. Fees may reduce earnings. Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity.
Offer: Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal.
Balance cap $5,000,000 · Effective Oct 1, 2026
Rate checked
More details - Gallup FCUCertificates of DepositCD · 60 months · $10,000 min · 4.00%–4.50% by balance
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Membership is open to all full- and part-time Gallup employees/associates and their immediate family members/household members.
Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $10,000 and upYour amount 4.00% $50,000 and up 4.50% Rate checked
More details - Denver Fire Department Federal Credit UnionShare CertificateCD · 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: Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Share certificates auto-renew upon opening with a 5-day grace period. Early withdrawal penalty is 90 days' dividends.
3.93% interest rate · Compounded monthly · Effective Oct 5, 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
3,410 CDs at 3,034 banks and credit unions · checked Oct 22–24
- 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