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 436–450 results
- Clearwater Credit UnionCertificates of Deposit (CDs)CD · 60 months · $100 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: $100 minimum opening deposit. $100 minimum balance requirement. Dividends paid monthly. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.
3.92% interest rate · Effective Sep 24, 2026
Rate checked
More details - Hawaii Community 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: Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - Lakota FCUShare CertificateCD · 60 months · $250 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Designed for longer-term savings goals. Interest earned is paid upon maturity.
4.00% interest rate
Rate checked
More details - South Carolina Federal Credit UnionRegular Share 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: $500 minimum balance required to earn APY. Penalties may apply for early withdrawal.
3.93% interest rate · Effective Dec 30, 2025
Rate checked
More details - Argent Credit UnionCertificatesCD · 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 quarterly. Early withdrawal penalties apply.
3.94% interest rate · Effective Jul 1, 2026
Rate checked
More details - Peoples Advantage FCUShare CertificateCD · 60 months · $1,000 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: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
3.94% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 4.00% $50,000 and up 4.10% Rate checked
More details - Monroe County Teachers Federal Credit UnionShare CertificatesCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Minimum investment of $10,000. Management has discretion to match local rate offerings. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply. Management has discretion to match local rate offerings.
Effective Jan 24, 2023
Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.93% interest rate · Effective Sep 18, 2026
Rate checked
More details - Materion 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: Open to Materion Corporation employees, retirees, and their families. Penalty for early withdrawal; fees may reduce earnings. Accrued dividends are forfeited if closed before dividends are credited.
3.95% interest rate · Effective Jun 21, 2026
Rate checked
More details - Glendale Area Schools Credit UnionCertificate AccountsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000intro rateRequirements
Product: Must be a member of Glendale Area Schools Credit Union and maintain an active Share Savings Account or UTMA Account. A minimum deposit of $1,000 is required to open. Early withdrawal penalties apply.
Offer: America's 250th 4% CD Promotion. Offer good through October 31.
Promotional rate
Rate checked
More details - Farmers Insurance Federal Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.
Offer: Requires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account.
Qualified rate · Effective Oct 1, 2024
Rate checked
More details - Pacific Horizon 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: Allows deposits at any time. $500.00 Minimum.
Offer: 1 Jump during 5-year term
3.94% interest rate
Rate checked
More details - Utah Heritage Credit UnionSavings 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 monthly and credited monthly. Interest calculated by the daily balance method. No deposits or withdrawals allowed before maturity. Minimum opening deposit of $500.00. Early withdrawal penalty applies (90 days interest for terms 12 months or less; 180 days interest for terms 13 months or more; minimum penalty $15.00). Automatically renewed at maturity with a 10-day grace period.
3.93% interest rate · Compounded monthly · Effective Mar 26, 2026
Rate checked
More details - American United Federal Credit UnionRegular 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: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Requires GoldStar® Membership.
3.93% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 60 months · $5 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Requires GoldStar® Membership.
Qualified rate · 3.93% interest rate · Effective Apr 1, 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
3,410 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