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 646–660 results
- Philadelphia Federal Credit UnionJumbo CertificateCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.68% interest rate
Rate checked
More details - Utilities Employees Credit UnionAdvantages Certificate of DepositCD · 60 months · $500 min · 3.65%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Opening balance and minimum balance of $500 for all certificates. APY assumes dividends remain in the account until maturity and minimum balance is maintained. After opening, additional deposits cannot be made during the term. Penalty imposed for early withdrawal.
3.59% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Advantages Certificate of Deposit Balance APY $500 – $10,000 3.65% $10,000 – $75,000Your amount 3.75% $75,000 and up 3.85% Rate checked
More details - Sun Community Federal 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 $10,000Requirements
Product: Fixed rate. Interest is compounded and credited monthly.
Offer: Early withdrawal penalty: loss of 180 days of dividends on principal amount withdrawn for terms one year or more.
3.69% interest rate · Effective Oct 7, 2026
Rate checked
More details - County Schools Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,0003.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - Firelands Federal 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 $10,000Requirements
Product: Fixed rates; dividends compounded and paid quarterly; early withdrawal penalties apply.
3.68% interest rate · Effective May 1, 2026
Rate checked
More details - Greater Community CUTerm 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: Subject to penalty for early withdrawal. APY based on interest paid monthly and interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
3.69% interest rate · Effective Oct 13, 2026
Rate checked
More details - Summit Credit UnionRegular CertificateCD · 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: Minimum balance to open is $500. Early withdrawal penalties apply.
3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - Christian Financial Credit UnionCertificates of DepositCD · 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: Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.
Offer: 60-Month Certificate; Minimum Balance $500.
3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - 1st Advantage BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Offer: Penalty may be imposed for early withdrawal.
Promotional rate · 3.70% interest rate · Effective Oct 5, 2026
Rate checked
More details - Embers Credit UnionCertificate of DepositCD · 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: Dividends are paid monthly directly into the certificate account. Minimum deposit of $1,000 required to open. Early withdrawal penalty may be up to half of the dividends that would be earned over the full term.
Offer: Dividends are paid monthly.
Rate checked
More details - Workers Credit UnionCertificates of Deposit (CDs)CD · 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: Workers Federal Credit Union membership required ($5 minimum balance). Fixed rate paid until first maturity. For terms less than 12 months, simple interest paid at maturity; for terms 12 months or more, dividends compounded daily and paid monthly based on daily balance method. Automatically renews at maturity into the same term. Substantial early withdrawal penalties apply (25% of dividends for remaining term if 18 months or less; 50% of dividends for remaining term if greater than 18 months). Additional deposits not permitted during term.
Offer: Tier 1 ($500–$24,999.99). Dividends compounded daily and paid monthly.
3.69% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - Greater Alliance Federal Credit UnionShare Certificate AccountCD · 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: Membership at credit union requires a savings account with $100 minimum balance to earn interest. $500 minimum deposit required to open. Early withdrawal penalty applies (90 days dividends for term 1 year or less; 180 days dividends for term greater than 1 year). Dividends compounded daily and credited monthly.
3.68% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Emblem Credit UnionTerm Share Certificate AccountsCD · 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: Penalties may apply for early withdrawal. Reduced $300 minimum deposit to open for youth accounts (Embark Youth Club and Empower Teen Club only). No setup or maintenance fees.
Promotional rate · 3.68% interest rate · Effective Oct 15, 2026
Rate checked
More details - Parke BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawal penalties apply. Available in amounts of $500 or more. Interest can be paid monthly, quarterly, or at maturity with flexible terms and a guaranteed interest rate for the term of the certificate.
3.68% interest rate · Effective Oct 12, 2026
Rate checked
More details - Welcome Federal Credit UnionCertificatesCD · 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: Fixed interest rate. Available for a limited time. Dividends compounded and credited quarterly. Penalty may be imposed for early withdrawal. Certificates are not subject to auto-renewal, except the 6-month and 12-month certificate, which will auto-renew. No monthly service charges.
Offer: Not subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply.
Promotional rate · 3.75% interest rate · Effective Oct 14, 2026
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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