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 676–690 results
- Drake 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: CD accounts require a $500 opening balance. Additional deposits before maturity are not permitted. Penalty for early withdrawal may apply.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Harvest BankFixed Rate Certificates of Deposit ($1,000 Minimum)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawals subject to penalty (6 months' interest for terms of 1 year or less, 12 months' interest for terms over 1 year). Renews automatically upon maturity after 10-day grace period. No setup or maintenance fees.
Offer: Early withdrawal penalty applies.
3.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - North Star Community Credit UnionShare 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: Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.
3.70% interest rate · Effective Sep 30, 2026
Rate checked
More details - Postal & Community 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 $10,0003.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - Cloverbelt Credit UnionCertificatesCD · 60 months · $1,000 min · 2.25%–3.75% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Certificates may have penalty imposed for early withdrawal. Rates subject to change without notice. Minimum balance requirements vary by term and tier.
2.23% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 2.25% $5,000 and upYour amount 3.75% Rate checked
More details - Route 31Certificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
Offer: 0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - Appalachian Community 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 $10,000Requirements
Product: Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
Offer: Paid monthly.
3.69% interest rate · Effective Oct 5, 2026
Rate checked
More details - Barksdale Federal Credit UnionFlex CertificateCD · 60 months · $2,500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Variable Rate - Member has discretion. Rate can be increased one time when the Certificate Account 2-year term rate exceeds the Flex Certificate initial rate. Not automatically renewable.
Offer: Additional deposits not allowed. Early withdrawal penalty applies (terms of more than 12 months: 180 days' dividends). Not automatic renewal.
3.69% interest rate · Effective Sep 29, 2026
Rate checked
More details - Central One Federal Credit UnionPremium CertificatesCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Must open and maintain a Premium Checking account (requires member to be at least 18 years of age and have minimum monthly direct deposit of $1,500 into Premium Checking). Minimum balance of $10,000 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
Qualified rate · 3.69% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Trust Credit UnionShare Certificates (CDs)CD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Effective Oct 5, 2026
Rate checked
More details - Space Coast 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: Space Coast Credit Union membership is open to relatives of current members and all who work or live in eligible Florida counties. Minimum deposit required is $500. Monthly Service Fee is None.
3.70% interest rate · Effective Sep 21, 2026
Rate checked
More details - Suncoast Credit UnionShare 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: Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.
Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Ashland Credit UnionRate Bump Share CertificateCD · 60 months · $500 min · 3.75%–4.00% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Terms available from 3 to 5 years. Dividends paid and compounded monthly. Allows a one-time bump to current rate during certificate term. Minimum deposit stated as $5,000 in product summary, rate schedule reflects Standard ($500 minimum) and Jumbo ($35,000 minimum) balance tiers. Early withdrawal penalty may apply.
Offer: Standard tier
3.69% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Rate Bump Share Certificate Balance APY $500 and upYour amount 3.75% $35,000 and upJumbo tier 4.00% Rate checked
More details - Dominion Energy Credit UnionSaving 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. Substantial penalty for early withdrawal. Federally insured by NCUA up to $250,000. Compounded quarterly. Automatic renewal with a 14-day grace period upon maturity. Membership eligibility required.
Offer: Compounded quarterly. Penalty imposed for early withdrawal. Membership eligibility required.
Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - Latino Community Credit UnionShare Term Certificates RegularCD · 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: Must be a Latino Community Credit Union member. Interest accrues daily, but is not compounded. Dividends paid out to a separate LCCU account.
3.75% interest rate · Effective Oct 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