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 766–780 results
- Equitable Savings & Loan AssociationCertificate of DepositCD · 60–119 months · $500 min
Bank · Add a location to see nearby branches
3.67%APYRequirements
Offer: Penalty: 3 MO+ early withdrawal penalty
3.60% interest rate
Rate checked
More details - Community Commerce BankCertificate of DepositCD · 60 months · $1,000 min · 3.56%–3.87% by balance
Bank · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Rate fixed for entire term. Substantial penalty for early withdrawal. APY accurate as of 10/23/2026.
Offer: Balance $1,000.00 to $9,999.99.
3.50% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.56% $10,000 – $100,000Your amount 3.66% $100,000 and up 3.87% Rate checked
More details - DuPont Community Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawal penalty: 6 months to 18 months = 3 month dividends whether earned or not; 2 years to 5 years = 6 month dividends whether earned or not. Automatic renewal. Fees may reduce earnings on your accounts. Membership required.
Offer: Early withdrawal penalties may apply (2 years to 5 years = 6 month dividends whether earned or not). Automatic renewal. Fees may reduce earnings.
3.60% interest rate · Compounded monthly · Effective Feb 1, 2022
Rate checked
More details - The Bank of ClovisCertificates of DepositCD · 60 months · $5,000 min
Bank · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Minimum daily balance must be maintained in order to obtain the disclosed annual percentage yield. Additional terms and conditions may apply. Fees may reduce earnings. Daily balance method applies daily periodic rate to principal.
Offer: Early withdrawal penalty of 6 months interest on amount withdrawn.
3.60% interest rate
Rate checked
More details - The Bank of Clovis5-year CD LadderCD · 60 months · $5,000 min
Bank · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000intro rateRequirements
Product: Total minimum to open CD Ladder is $25,000 evenly distributed across 5 CDs. Each CD automatically renews as a 5-year CD at 0.25% above current Bank of Clovis 5-year CD rate at maturity. Blended first year APY of 3.48%. Early withdrawal penalty of 6 months interest on balance withdrawn with 10-day grace period upon maturity. Daily balance method applies daily periodic rate to principal.
Offer: Initial term 60 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn.
Promotional rate · 3.60% interest rate
Rate checked
More details - Kirtland Credit UnionShare CertificateCD · 60 months · $500 min · 3.56%–3.82% by balance
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.
3.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $4,999 3.56% $5,000 – $9,999 3.61% $10,000 – $49,999Your amount 3.66% $50,000 – $99,999 3.71% $100,000 – $199,999 3.76% $200,000 and up 3.82% Rate checked
More details - River Valley Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Fixed rates in effect for the term of the account. Dividends compounded and credited monthly. Dividends calculated using Average Daily Balance method. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less; 180 days' dividends for terms of more than 12 months. Automatically renews upon maturity with a 10-day grace period. After account is started, additional deposits may not be made.
3.60% interest rate · Effective Apr 22, 2026
Rate checked
More details - Members Credit UnionShare CertificatesCD · 60 months · $2,000 min
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned. Dividends paid monthly. Minimum deposit is $2,000 unless stated otherwise.
3.60% interest rate
Rate checked
More details - UTFCUSavings CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Offer: Early withdrawal penalty: 180 days dividends
3.61% interest rate · Effective Sep 1, 2026
Rate checked
More details - Eastmill Federal Credit UnionCertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.
3.60% interest rate · Effective Apr 1, 2026
Rate checked
More details - Strategic FCUShare CertificatesCD · 60 months · $1,500 min
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,0003.60% interest rate
Rate checked
More details - Great North BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Interest compounded and credited monthly. Assumes interest remains on deposit until maturity; withdrawal or paying interest out reduces earnings. Closing account before interest is credited forfeits accrued interest.
Effective May 20, 2026
Rate checked
More details - Beaumont Community CUShare CertificateCD · 60 months · $1,000 min · 3.66%–3.76% by balance
Credit union · Add a location to see nearby branches
3.66%APY$1,969 over 60 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Minimum deposit to purchase a CD is $1,000.00.
Offer: Under $50,000; dividends compounded daily and paid monthly
3.60% interest rate · Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY Up to $50,000Your amount 3.66% $50,000 and upOver $50,000; 3.76% Rate checked
More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 49–60 months · $100 min
Credit union · Add a location to see nearby branches
3.65%APYRequirements
Offer: Term: 49 months to 60 months.
Rate checked
More details - Capitol Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000intro rateRequirements
Product: Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest, 12 months to less than 36 months lose 180 days' interest, 36 months or longer lose 270 days' interest.
Offer: Only new money eligible for promotional rate. Early withdrawal penalty of 270 days' interest.
Promotional rate · Effective Dec 16, 2025
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%
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