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 946–960 results
- Labor Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000intro rateRequirements
Product: Dividend payment postings for Share Certificates are paid on the last day of each quarter. Transaction grace period of 10 days from renewal date. Early withdrawal penalty may be imposed.
Promotional rate · 3.50% interest rate
Rate checked
More details - First National Bank of CommerceCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Rates fixed during term; established weekly. Accounts automatically renew at maturity at the rate in effect at maturity. Early withdrawal penalties may apply. Interest compounded quarterly or monthly check only if over $50.00; no monthly compounding on any CD. For balances over $250,000.01, please see an officer.
3.75% interest rate · Compounded quarterly · Balance cap $250,000.01 · Effective Aug 6, 2025
Rate checked
More details - Lenco Credit UnionCertificates of DepositCD · 60 months · $3,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Penalty for early withdrawals. Dividends are computed daily and paid quarterly using the average daily balance for the dividend period.
Offer: Penalty for early withdrawals. Dividends paid quarterly using the average daily balance.
Effective Oct 5, 2026
Rate checked
More details - LOC Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Minimum certificate deposit of $1,000 required. Penalty for early withdrawal will apply. Automatically renews at maturity for the same term at current prevailing rate unless otherwise noted. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty.
3.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - Employees Federal Credit UnionShare Certificate AccountCD · 60 months · $1,000 min · 3.55%–3.80% by balance
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Dividends will be compounded and credited quarterly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal of dividends will reduce earnings. A penalty may be imposed for early withdrawals. Rates reflected are recent rates but are subject to change. Platinum Members add .25%/ Member Rewards add .10% to certificates - cannot combine
3.50% interest rate
Rate by balance
Rate by balance for Share Certificate Account Balance APY $1,000 – $50,000Your amount 3.55% $50,000 and upJumbo Rate ($50,000+) 3.80% Rate checked
More details - Velocity Community Credit UnionMemberPLUS CertificateCD · 60 months · $5,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000with conditionsRequirements
Product: Requires qualifying for Member PLUS: member in good standing and either direct deposits of $750/month, $10,000 in combined deposits, active loan with Credit Union (including active VISA credit card within last 30 days), or 20+ debit transactions/month. Members age 24 and under do not automatically qualify for bonus CD rate unless meeting criteria. Certificate rates remain fixed for term. Penalty may be imposed for early withdrawal.
Offer: Requires MemberPLUS qualification.
Qualified rate · 3.49% interest rate · Effective Oct 1, 2026
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More details - Horizon Credit Union60 Month CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.50% interest rate · Effective Sep 28, 2026
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More details - Mid-Atlantic Federal Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Rate tier balance requirements apply.
Offer: 5 Year Regular Certificate.
3.49% interest rate · Effective Oct 1, 2026
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More details - APG Federal Credit UnionMember Rewards Gold CertificateCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Requires Member Rewards Gold level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Gold level
3.50% interest rate · Effective Oct 3, 2026
Rate checked
More details - Avenir FinancialTraditional CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Early withdrawal penalty applies. Dividends are compounded and credited monthly.
Offer: Minimum balance required to open an account and earn the posted APY. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - ACPE Federal Credit UnionShare CertificatesCD · 60 months · $250 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Rollover incentives available for share certificates.
Offer: Rollover incentives available for share certificates.
3.50% interest rate
Rate checked
More details - Superior Credit UnionShared Certificate (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Minimum deposit: $500 for standard CDs. Dividends paid quarterly, calculated on average daily balance. Early withdrawal penalties apply.
3.50% interest rate
Rate checked
More details - Nebraska State Employees Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Rates are subject to change.
3.49% interest rate · Effective Sep 1, 2026
Rate checked
More details - Educational Federal Credit UnionJumbo CertificateCD · 60 months
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: For members wishing to earn even higher dividends. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
Offer: Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
3.49% interest rate · Compounded daily · Effective Jul 1, 2026
Rate checked
More details - First National Bank of BangorCertificates of Deposit (CDs)CD · 60 months
Bank · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: All CD's earn interest at a fixed rate determined on date of purchase. Substantial penalty for early withdrawal. Automatically renewable at the rate in effect on renewal date. Minimum balance requirements may exist.
3.50% interest rate · Effective Aug 31, 2026
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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