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 616–630 results
- Virginia Credit UnionSavings CertificatesCD · 60 months · $500 min · 3.75%–3.95% by balance
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Limited to a single, one-time deposit with a term limit of 5 years (except 6 or 12 month certificates which allow ongoing contributions/add-on deposits). Early withdrawal penalty may apply. Minimum opening deposit $500.
Offer: Compounding frequency: Quarterly. Early withdrawal penalty may apply.
3.70% interest rate
Rate by balance
Rate by balance for Savings Certificates Balance APY $500 – $5,000 3.75% $5,000 – $50,000Your amountCompounding frequency: Monthly. 3.76% $50,000 – $100,000Compounding frequency: Monthly. 3.85% $100,000 and upCompounding frequency: Monthly. 3.95% Rate checked
More details - Diamond Credit UnionRegular Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Must qualify for membership. Early withdrawal penalty applies. Calculated on minimum opening deposit.
Effective Oct 16, 2026
Rate checked
More details - Synergy Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.76%–3.92% by balance
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Rates vary based on Certificate amount. Terms are from 3 months to 5 years. All applications are subject to eligibility. Membership requires maintaining at least 1 share ($5.00 par value).
3.70% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.76% $50,001 and up 3.82% $100,001 and up 3.87% $250,001 and up 3.92% Rate checked
More details - First Service Federal Credit UnionTerm Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Relationship Rewards: 10 basis points (.10) added to regular term certificate rates when the member has an active First Service loan balance, a First Service checking account, or is a Prime Time Club member, up to a maximum of 30 basis points (.30). Bonus points are not available on special promotions, zero-balance loans/lines of credit, or JUMP Certificates.
Offer: Dividends compounded/credited monthly. Early withdrawal penalty is 6 months dividends.
3.70% interest rate
Rate checked
More details - Midcoast Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Product: Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Automatically renews at maturity at the next highest regular term with a 10-day grace period. Early withdrawal penalty applies.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionStep Up Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000intro rateRequirements
Product: Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
Promotional rate · 3.70% interest rate · Effective Jul 9, 2026
Rate checked
More details - First State BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.76%APY$2,027 over 60 months on $10,000Requirements
Offer: Penalties apply for early withdrawals.
3.70% interest rate · Effective Sep 10, 2026
Rate checked
More details - Texas Bay Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.75%–3.96% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
Offer: Tier 1
3.68% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.75% $50,000 and upTier 2 3.86% $99,000 and upTier 3 3.96% Rate checked
More details - First Northern Credit UnionShare CertificatesCD · 60 months · $2,500 min · 3.75%–4.25% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Product: Must maintain the minimum average daily balance of the account to obtain the disclosed APY. Yields declared and paid monthly. Open with as little as $2,500. Special offers for new money. Early withdrawal may require closing the certificate and may incur a penalty.
Offer: Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY.
Promotional rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 – $25,000Your amount 3.75% $25,000 – $50,000Share Certificates $25,000 - $49,999.99. 4.00% $50,000 and upJumbo Share Certificates $50,000+. 4.25% Rate checked
More details - Affinity One Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Minimum deposit of $1,000 for standard CD. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
Rate checked
More details - Niagara Regional FCUShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Product: Minimum deposit to open is $1,000.00. Dividends paid at maturity. APY is based on assumption interest remains in account until maturity. Early withdrawal penalty applies (3 months of dividends for terms less than 1 year, 6 months for terms more than 1 year). No partial withdrawals.
Promotional rate
Rate checked
More details - First Commonwealth Federal Credit UnionCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
3.69% interest rate · Effective Oct 15, 2026
Rate checked
More details - Unity Catholic FCUTerm Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,0003.70% interest rate · Effective Oct 23, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Offer: Gold relationship tier
Qualified rate · 3.68% 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