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 976–990 results
- Iowa Falls State BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.53%APY$1,894 over 60 months on $10,000intro rateRequirements
Product: Certificates under 6 month terms compound at maturity, all other certificates compound semi-annually. Early withdrawal penalties may apply. Above CDs auto renew at the current 12 month CD term and interest rate.
Promotional rate · 3.50% interest rate
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More details - Beach Municipal Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.53%APY$1,894 over 60 months on $10,000Requirements
Product: Terms ranging from 91 days to 60 months. Minimum investment of $500. Declared minimum balance is required to both open the account and earn the stated APY. Early withdrawal penalties may apply. Rates are subject to change at any time.
3.48% interest rate · Effective Jan 27, 2026
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More details - Leighton State BankCertificates of Deposit (CDs)CD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.53%APY$1,894 over 60 months on $10,000intro rateRequirements
Product: Maturity terms vary from 3 months to 5 years. $500 minimum balance requirement. Early withdrawal penalties may apply. Fees, if any, may reduce earnings. All deposits are FDIC insured.
Offer: Interest paid semi-annually.
Promotional rate · 3.50% interest rate · Effective Aug 24, 2026
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More details - Air Academy Credit UnionCertificatesCD · 54–60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APYRequirements
Product: A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.
Offer: Early withdrawal penalties may apply.
3.45% interest rate · Effective Oct 4, 2026
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More details - Academy BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: Interest is compounded and credited quarterly for investment terms of 12 months or longer; shorter terms pay at maturity. Penalties apply for early withdrawal. Rates are accurate as of 10/23/2026 and subject to change.
Offer: 60-Month term. A fixed interest rate is earned on the entire balance. Minimum opening balance of $500 required to obtain disclosed APY. Compounded and credited quarterly. Early withdrawal penalty: 60 Months: 2 years loss of interest.
Effective Oct 23, 2026
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More details - Fibre FCUShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. Membership eligibility required. Fixed rate and term. Penalty applies for early withdrawal. 10-day grace period at maturity for penalty-free renewals and additional deposits. Dividends compounded and credited monthly based on daily balance method. Dividends can be paid and transferred monthly to another account (reduces APY).
Offer: Early withdrawal penalty: dividends since issuance/renewal or 365 days dividends, whichever is smaller. Dividends compounded and credited monthly. Daily balance method.
3.45% interest rate · Effective Oct 22, 2026
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More details - Sunlight Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply.
Offer: Dividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest.
3.45% interest rate · Compounded daily · Effective Oct 16, 2026
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More details - RaizRegular Share CertificateCD · 60 months · $5,000 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: No maintenance fees. Add-on deposits permitted anytime throughout its lifetime, with minimum add-on deposits as low as $10. Early withdrawal penalty may apply.
Offer: Twelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity.
3.45% interest rate · Compounded monthly · Effective Sep 17, 2026
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More details - Illinois Educators CUCertificate RatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Offer: Minimum Deposit $1,000.00.
3.45% interest rate · Effective Oct 16, 2026
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More details - Credit Union For AllCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: $500 minimum balance. Dividends paid monthly. Effective December 1, 2025. *APY = Annual Percentage Yield. Dividends paid monthly. A penalty will be assessed for early termination.
Offer: Term: 60 months
3.45% interest rate · Effective Dec 1, 2025
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More details - Black River Country BankYOUR. CD.CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: Minimum $1,000 one-time opening deposit. Interest is compounded quarterly. May not make withdrawals of principal from the account until the maturity date. Substantial penalty for early withdrawal. Automatically renewable.
Offer: Substantial penalty for early withdrawal. Interest is compounded quarterly.
3.46% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - Town and Country Credit UnionCertificate of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: Interest compounded and paid monthly on average daily balance. Penalty for early withdrawal. Terms of 36 months or greater allow for one bump-up / step-up to the current rate after 12 months.
Offer: Allows for one step-up/bump-up to the current rate during the term after 12 months. Auto-renews at the current rate with a 10 day grace period.
Effective Oct 1, 2026
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More details - Peake Federal Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,0003.45% interest rate
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More details - First County FCUCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: Minimum balance of $500. Rates subject to change without notice.
3.45% interest rate
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More details - Casco Federal Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.51%APY$1,883 over 60 months on $10,000Requirements
Product: Dividends compound and credit monthly. Fixed rate. Automatic renewal. Additional deposits not allowed after opening. Penalty for early withdrawal is 365 days of dividends. Average daily balance method used.
3.45% interest rate · Effective Apr 8, 2026
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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