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 736–750 results
- Sharefax Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 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: Silver relationship tier
Qualified rate · 3.63% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Gulf Winds Credit UnionTerm Share Certificate AccountsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Compounded monthly. Membership eligibility required. Account opening subject to approval. Early withdrawal penalties may apply. Automatic renewal at maturity. 18 and 48-month Term Certificate applications not currently available online.
Offer: Compounded monthly.
3.64% interest rate · Compounded monthly
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More details - FAIRWINDS Credit UnionCertificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Early withdrawal penalties may apply. FAIRWINDS Visa Signature Credit Card members can receive a 0.25% rate bump on a CD upon request at account opening or renewal.
Effective Oct 22, 2026
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More details - New Jersey Law & Public Safety Credit UnionCertificate of DepositCD · 60 months · $1,000 min · 3.65%–3.75% by balance
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: $1,000 minimum balance required. Penalty for early withdrawal. Dividends compounded and credited quarterly. Membership requires purchasing and maintaining at least 1 share ($50.00 par value).
3.60% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.65% $10,000 – $25,000Your amount 3.70% $25,000 and up 3.75% Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Compounding option. Dividend rate is 3.65%. Rate change option available after 90 days and every 365 days thereafter.
3.65% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Andrews Federal Credit UnionFixed Rate Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Must open and maintain a minimum $1,000 balance to earn advertised APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - UFCUFixed-Rate CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
3.64% interest rate · Compounded daily · Effective Sep 3, 2026
Rate checked
More details - Range BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000intro rateRequirements
Product: Certificates may be issued for terms other than listed above. Interest for certificates issued for terms other than listed will be paid at the rate for the nearest lower term. The Annual Percentage Yield on all Time Certificates is figured on a compounding quarterly basis for a 12-month period of time. This yield will fluctuate when compounding at a different interval or for any lesser time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.65% interest rate · Effective Oct 15, 2026
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More details - Northpointe BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: CD terms available between 7 days - 60 months. Early withdrawal penalties may be imposed. Fees could reduce earnings. Subject to Northpointe Bank approval.
3.64% interest rate · Effective Oct 15, 2026
Rate checked
More details - Bank of ZacharyCertificates of DepositCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: No monthly service charge. Automatic renewals. Fixed interest rate for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
3.65% interest rate · Effective Oct 16, 2026
Rate checked
More details - NorthCountry Federal Credit UnionCertificatesCD · 60 months · $250 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.
Rate checked
More details - Amplify Credit UnionPersonal Certificate of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Minimum deposit and balance of $500 required to obtain advertised APY. Funds may be added to CDs with terms of 12 months or less; terms above 12 months lock in the deposit amount. Deposit products are fee-free.
Offer: Minimum balance of $500 required to obtain advertised APY. Amount is locked once transferred.
3.65% interest rate · Effective Oct 6, 2026
Rate checked
More details - KEMBA Financial Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000with conditionsRequirements
Product: Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
Offer: Everyday APY.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - Muskegon Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Rates are subject to change at any time, by direction of Board of Directors.
3.65% interest rate · Effective Sep 1, 2026
Rate checked
More details - Industrial Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$1,992 over 60 months on $10,000Requirements
Product: Fixed dividend rate for the term of the account. Dividends compounded and paid quarterly. Substantial penalty for early withdrawal. Automatically renews for a term equal to the original at prevailing rate. No setup or maintenance fees.
3.65% interest rate · Effective Oct 2, 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