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 871–885 results
- Neches Federal Credit UnionCertificatesCD · 60 months · $1,000 min · 3.60%–3.80% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Offer: $1,000 minimum balance
3.54% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.60% $100,000 and up100,000 minimum balance 3.80% Rate checked
More details - Texas People Federal Credit UnionStandard Share Certificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,0003.55% interest rate · Effective Apr 8, 2026
Rate checked
More details - Redwood Credit UnionPersonal Savings CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000with conditionsRequirements
Product: Must be an RCU Member (live, work, or own a business in Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa counties; family member of a current Member; or work for a Select Employer Group). $1,000 minimum deposit. Early withdrawal penalty applies.
Offer: Requires active checking account (3 or more transactions per month, excluding 24-Hour Telephone Teller, fee, or dividend posting transactions).
Qualified rate · 3.54% interest rate · Effective Sep 16, 2026
Rate checked
More details - Los Angeles Police Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min · 3.60%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000intro rateRequirements
Product: Deposits are federally insured up to $250,000 by NCUA. Available to sworn and civilian law enforcement personnel and family members in Southern California.
Offer: Includes 0.25% Ultimate tier dividend rate bonus through Relationship Rewards Program. Early withdrawal penalties may apply.
Promotional rate · Effective Mar 2, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $49,999Your amount 3.60% $50,000 – $99,999Jumbo tier. 3.65% $100,000 and upSuper Jumbo tier. 3.70% Rate checked
More details - State Employees Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000with conditionsRequirements
Product: Quarterly dividends. Dividend transfer available on 24-60 month terms. Rising Rate Option available on 48 and 60 month terms allowing dividend rate and APY to change once during original term to current rate for same term. Bonus rate condition adds +0.10% each for active checking account, full direct deposit, active SECU credit card, active consumer loan, and current mortgage (+0.50% max).
Offer: Bonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 270 days interest.
Qualified rate
Rate checked
More details - Alliance Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.59%APY$1,929 over 60 months on $10,000Requirements
Product: Interest is compounded quarterly and credited quarterly. Account automatically renews at maturity with a 10-day grace period. Early withdrawal penalty applies.
Offer: Rate Bump
3.55% interest rate · Compounded quarterly
Rate checked
More details - Consumers Professional Credit UnionCertificates of DepositCD · 60 months · $1,000 min · 3.59%–3.70% by balance
Credit union · Add a location to see nearby branches
3.59%APY$1,928 over 60 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts.
Offer: Dividends compounded quarterly and paid quarterly. Early withdrawal penalty may apply.
3.55% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.59% $50,000 and up 3.70% Rate checked
More details - Old Exchange National BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.58%APY$1,923 over 60 months on $10,000intro rateRequirements
Product: Interest rate is fixed for the selected term. Interest may be credited to the CD, another deposit account, or paid by check. Substantial penalty for early withdrawal; penalty applies only to the portion of principal withdrawn. 10 calendar-day grace period after maturity to withdraw without penalty; otherwise the CD automatically renews. Redeeming during the grace period pays no interest from maturity to redemption.
Offer: 60 Month term. Minimum balance $1,000 to obtain APY. Substantial penalty for early withdrawal. Rates effective October 20, 2026 to October 26, 2026.
Promotional rate · 3.55% interest rate · Effective Oct 20, 2026
Rate checked
More details - Fidelity BankCertificate of Deposit (CD)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.58%APY$1,923 over 60 months on $10,000Requirements
Product: Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Requires Plus Spending relationship.
Effective Oct 13, 2026
Rate checked
More details - Cape Cod 5Certificates of Deposit (CDs)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.58%APY$1,923 over 60 months on $10,000with conditionsRequirements
Product: Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
Offer: Available exclusively to PrimaryPlus relationship customers.
Qualified rate · Effective Oct 13, 2026
Rate checked
More details - Michigan First Credit Union60 Month Certificate AccountCD · 60 months · $1,000 min · 1.00%–3.71% by balance
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Minimum opening deposit $1,000. Balance tiers required to earn stated APY.
Offer: Balance $1,000 to $9,999 required.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 60 Month Certificate Account Balance APY $1,000 – $9,999 1.00% $10,000 – $49,999Your amount 3.56% $50,000 – $99,999 3.61% $100,000 – $499,999 3.66% $500,000 and up 3.71% Rate checked
More details - Southwest Heritage Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: The minimum balance to open a certificate is $1,000. Interest is paid monthly (by check, deposited to a share account, or added to balance of certificate). Penalty for early withdrawal is 90 days interest for 6 month and 12 month terms; 180 days interest for all other terms. Additional rewards on all Certificates of Deposit: add 0.05% for SWHCU membership longer than 3 years; add 0.05% for E-Statements; add 0.05% for an active loan account.
Offer: Interest paid monthly
3.50% interest rate
Rate checked
More details - Cherokee County Teachers Federal Credit UnionCertificatesCD · 60 months · $5,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,0003.50% interest rate · Effective Oct 21, 2025
Rate checked
More details - 3.56%APY$1,911 over 60 months on $10,000
3.50% interest rate · Effective Oct 22, 2026
Rate checked
More details - Alternatives Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.
3.50% interest rate · Effective Oct 23, 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