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 31–45 results
- Honda Federal Credit UnionSavings CertificateCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
Offer: Premier tier. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 12, 2026
Rate checked
More details - Honda Federal Credit UnionSavings CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal from term share accounts. Fees or other conditions could reduce earnings.
Offer: Regular tier. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 12, 2026
Rate checked
More details - Serve Credit UnionCertificate of DepositCD · 60 months · $1,000 min · 4.60%–4.80% by balance
Credit union · Add a location to see nearby branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Interest compounds daily and is credited monthly and at maturity. Penalty for early withdrawal.
4.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 4.60% $50,000 – $100,000 4.70% $100,000 and up 4.80% Rate checked
More details - Putnam County State BankCertificates of DepositCD · 60 months · $500 min · 3.66%–4.70% by balance
Bank · Add a location to see nearby branches
4.59%APY$2,516 over 60 months on $10,000Requirements
Product: Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
3.60% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 3.66% $10,000 – $100,000Your amount 4.59% $100,000 and up 4.70% Rate checked
More details - Members 1st Credit Union75th Anniversary CD SpecialCD · 60 months · $7,500 min
Credit union · Add a location to see nearby branches
4.58%APY$2,511 over 60 months on $10,000intro rateRequirements
Product: Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.
Offer: Open a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - CUP Federal Credit UnionShare CDCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,000Requirements
Offer: When paid: Quarterly. Early withdrawal penalty: 6 mo int.
4.45% interest rate · Effective Sep 15, 2026
Rate checked
More details - Homeland Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,000Effective Aug 5, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 60 months
Credit union · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,000with conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 5 years (1825 days). Standard rate.
Qualified rate · 4.46% interest rate · Effective Oct 15, 2026
Rate checked
More details - NASA Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,000Requirements
Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
4.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - WestStar Credit UnionTerm CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,000intro rateRequirements
Product: Share Savings with a minimum balance and membership eligibility is required. Early withdrawals are subject to penalty. No setup or monthly maintenance fees.
Offer: Penalty may be imposed for withdrawals prior to maturity.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Chivaho Federal Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,000Requirements
Product: Minimum deposit of $500.00. Dividends are paid monthly. Terms ranging from 6 to 60 months.
Offer: Minimum $500.00; Dividends paid monthly
4.45% interest rate
Rate checked
More details - Global Bank NYPersonal Certificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,000Requirements
Product: Interest is compounded daily, payable monthly, and may be withdrawn at maturity. Fixed interest rates determined at the time of deposit for the specified term. Early withdrawal penalties may apply. Fees may reduce earnings.
4.45% interest rate · Compounded daily · Effective Sep 25, 2026
Rate checked
More details - First Westroads BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.55%APY$2,492 over 60 months on $10,0004.47% interest rate
Rate checked
More details - Newburg BankCertificate of DepositCD · 60 months · $500 min · 4.45%–4.54% by balance
Bank · Add a location to see nearby branches
4.54%APY$2,486 over 60 months on $10,000Requirements
Product: Fixed rate. A penalty may be imposed for early withdrawal. Full disclosure of all products provided at time of account opening or upon request. Fees could reduce earnings.
Offer: Opening balance under $10,000. Interest credited annually.
4.45% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $10,000 4.45% $10,000 and upYour amountInterest credited monthly. 4.54% Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.52%APY$2,474 over 60 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
4.45% interest rate
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 5-year CDs pay nationwide
3,411 CDs at 3,039 banks and credit unions · checked Oct 15–22
- 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