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 706–720 results
- WinSouth Credit UnionShare CertificateCD · 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: Penalty for early withdrawal. Minimum opening balance of $1,000.
Promotional rate
Rate checked
More details - Millbury Federal Credit UnionCertificatesCD · 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: Penalty for early withdrawal. Fees could reduce earnings.
Offer: Penalty for early withdrawal.
3.69% interest rate · Effective Aug 19, 2026
Rate checked
More details - EFCU FinancialShare 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: Minimum opening balance $500. Dividends may be compounded and credited monthly. Early withdrawal penalties may apply. Bump-up option available on 30-month term certificates. Rates subject to change at any time.
Effective May 1, 2026
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More details - First Commerce BankCertificates of DepositCD · 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: Interest begins to accrue on the day the deposit is made and is calculated by the daily balance method. Penalty will be imposed for early withdrawal.
3.75% interest rate
Rate checked
More details - Community Bank of WichitaCertificates of DepositCD · 60 months
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Interest paid by crediting another account, either at another financial institution or with Community Bank of Wichita, or compounded into the certificate. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings and a penalty may be imposed for early withdrawal.
3.69% interest rate
Rate checked
More details - Public Service Credit UnionCD - Tier CDCD · 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: Requirements: Savings Account, Minimum Deposit of $500. No Monthly Fee. 1x bump feature allows members with long-term CDs to benefit in a rising rate market. Product features a Step Up feature where you can adjust your interest rate if it goes up.
Offer: Tier I. Dividends Paid annually.
3.75% interest rate · Effective Sep 17, 2026
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
3.75%APY$2,021 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: Standard rate.
Qualified rate · 3.69% interest rate · Effective Sep 18, 2026
Rate checked
More details - Southern Lakes Credit UnionTerm Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,0003.72% interest rate · Effective Dec 31, 2025
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More details - First Security 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 withdrawals are subject to penalty. Funds FDIC-insured up to $250,000.
Effective Aug 18, 2026
Rate checked
More details - TopMark Federal Credit UnionShare CertificateCD · 60 months · $500 min · 3.00%–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: Membership with TFCU is required to open a certificate. Minimum opening deposit of $500.00. Early withdrawal penalties may apply. After maturity, automatically renews at current rate unless indicated otherwise. Withdrawal of dividends prior to maturity will reduce earnings.
2.96% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $5,000 3.00% $5,000 and upYour amount 3.75% Rate checked
More details - Latvian Cleveland Credit UnionCertificates of DepositsCD · 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 compounded and credited quarterly. Minimum opening deposit and daily balance of $500.00 required. Account automatically renews at maturity with a 7-day grace period. Early withdrawal penalty equals six months dividends.
Rate checked
More details - Telco Plus 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 $10,000Requirements
Product: Membership in Telco Plus Credit Union is required. Dividend rate is fixed for the term after opening. A penalty is imposed for early withdrawal.
Offer: 180-day penalty for early withdrawal.
3.69% interest rate · Effective Sep 1, 2026
Rate checked
More details - COSDEN FCUShare CertificateCD · 60 months · $1,000 min · 3.60%–4.01% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Minimum opening deposit $1000 required. Rates effective July 1, 2025. Dividend rate fixed for term. Penalty for early withdrawal.
Offer: Effective as of July 1, 2025.
3.54% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $5,000 3.60% $5,000 – $10,000 3.65% $10,000 – $50,000Your amount 3.75% $50,000 – $100,000 3.75% $100,000 and up 4.01% Rate checked
More details - Shell FCUShare CertificatesCD · 60 months · $500 min · 3.75%–3.90% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawal penalties apply.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.75% $25,000 and up 3.75% $50,000 and up 3.90% $100,000 and up 3.90% Rate checked
More details - Technology Credit UnionConsumer CertificateCD · 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 calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.70% interest rate · Effective Sep 1, 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