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 61–75 results
- 4.50%APY$2,462 over 60 months on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member.
4.41% interest rate · Effective Oct 6, 2026
Rate checked
More details - Meadowland Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.
4.43% interest rate · Effective Oct 15, 2026
Rate checked
More details - Central BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Interest compounded daily and paid at least annually (unless otherwise designated). Automatically renews at maturity. Early withdrawal penalty applies. After opening, no additional deposits allowed until maturity.
4.40% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - The Commercial BankCertificates of Deposit (CDs)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: May have an early withdrawal penalty. Can be set to automatically renew.
Offer: Early withdrawal penalty: 12 Months.
Effective Oct 15, 2026
Rate checked
More details - Utah First Credit UnionTraditional Term DepositCD · 60 months · $2,000 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Rate checked
More details - Skyla Credit UnionRegular Certificate AccountCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,0004.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - Desert Rivers Credit UnionCDCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Savings certificates are subject to Early Withdrawal Penalties.
Offer: Early withdrawal penalty: 365 days of dividend earned if withdrawal is 365 days or more from the date of purchase; if less than 365 days, penalty is amount earned to date.
4.43% interest rate
Rate checked
More details - Arkansas Federal Credit UnionRegular CertificateCD · 60–71 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APYRequirements
Product: Membership with Arkansas Federal Credit Union is required. Rates are fixed unless otherwise stated. Penalties may apply for early withdrawal. Rates subject to change.
4.41% interest rate · Effective Oct 9, 2026
Rate checked
More details - Signal FinancialShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Membership required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
4.40% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - Corazo Credit UnionRegular CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000intro rateRequirements
Product: Short-term (< 1 year) or long-term (> 1 year). Dividends can be compounded, mailed, or deposited to savings or checking. Flexibility to make deposits anytime during certificate term. NCUA insured up to $250,000.
Offer: Fixed rate type. Minimum balance to earn dividend is $500.
Promotional rate · 4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - OceanAir Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply.
Offer: Requires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date.
4.41% interest rate
Rate checked
More details - Affinity PlusBasic CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Single deposit with no maximum amount; online funding limits apply ($5,000 for external transfers, $50,000 for internal transfers). Early withdrawal penalties apply. Renews automatically at maturity. Dividends compound monthly and accrue daily.
4.41% interest rate
Rate checked
More details - Blaze Credit UnionPremium CertificateCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.43% interest rate · Effective Sep 28, 2026
Rate checked
More details - Gerber Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,0004.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bank Five NineCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.50%APY$2,462 over 60 months on $10,000intro rateRequirements
Product: Consumer accounts only. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of September 18, 2026.
Promotional rate · 4.43% interest rate
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
3,411 CDs at 3,039 banks and credit unions · checked Oct 15–22
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank