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 991–1005 of 3,412 results
- United Consumers Credit UnionCertificates 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: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
Rate checked
More details - Qualstar Credit UnionShare CertificateCD · 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
Product: Tiered rate structure pays based on the total balance of all certificates held. Early withdrawal penalty may apply.
Offer: Dividends compound and credit monthly.
3.45% interest rate · Effective Apr 1, 2025
Rate checked
More details - Central Wisconsin Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.51%–3.71% by balance
Credit union · Add a location to see nearby branches
3.51%APY$1,880 over 60 months on $10,000Requirements
Product: Interest/dividends are compounded and paid monthly. Early withdrawal penalty of 90 days interest applies if principal is withdrawn prior to maturity (waived for certifiable hardship or death). Can be used as collateral for a share secured loan.
3.45% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.51% $40,000 and up 3.71% Rate checked
More details - kstate CREDIT UNIONShare Certificate of DepositCD · 3–60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Offer: APYs are shown as high as and subject to change without notice.
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More details - Farmers & Merchants State BankReverse CDCD · 24–60 months · $500 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: A Certificate of Deposit that supplements income with fixed monthly funds from your certificate of deposit. Customer must have an agreed upon monthly automatic (no checks issued) disbursement/withdrawal that cannot be changed. Single Maturity, last disbursement/withdrawal will close the account. Health Saving Accounts (HSAs) are not available.
Offer: Compounded monthly. 24, 36, 48, and 60-month terms available.
3.44% interest rate · Compounded monthly
Rate checked
More details - Knoxville TVA Employees Credit UnionEducational Savings PlanCD · 36–60 months · $0 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Product: No minimum opening deposit. Must be open for minimum 3 years. Pays out on child's college entrance date or 18th birthday. Paper statement fee $2.00/month unless enrolled in eStatements. Cannot be designated as an IRA.
3.45% interest rate · $2 monthly fee · Effective Oct 22, 2026
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More details - The Summit Federal Credit UnionShare CertificateCD · 48–120 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APYRequirements
Product: Must be a member of The Summit FCU. Share certificate accounts automatically renew at maturity. 7-calendar-day grace period after maturity. Early withdrawal penalty applies (terms of 1 year or less: 90 days dividends; terms of more than 1 year: 180 days dividends).
Offer: Long-Term 4-10 Year. Penalty applies for early withdrawal. Additional deposits not allowed.
3.44% interest rate · Effective Oct 15, 2026
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More details - SkyOne Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Membership required. Dividends compounded and credited quarterly. Automatically renews at maturity for the same or closest available term and dividend rate/APY in effect at renewal, unless changed during 7-day grace period. Early withdrawal penalty: terms 6 months through 1 year subject to 90 days' dividends; terms greater than 1 year subject to 180 days' dividends. Original terms 24 months or longer are eligible for a one-time rate increase during the original term if certificate rates increase.
Offer: Minimum balance to open and earn advertised APY is $1,000. Eligible for a one-time rate bump if rates increase.
3.46% interest rate · Effective Oct 23, 2026
Rate checked
More details - Valley Federal Credit UnionJumbo Share CertificatesCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: All Jumbo Share Certificates automatically renew. Subject to early withdrawal penalties. Higher minimum balance in exchange for higher annual yield.
Offer: Subject to early withdrawal penalties. Automatically renews.
3.44% interest rate
Rate checked
More details - Clay County State BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Fees may reduce earnings. APY if interest paid at maturity
Offer: Minimum to Avoid Fees is $500.
3.50% interest rate · Effective Oct 20, 2026
Rate checked
More details - Peru Federal Savings BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Requires $1,000.00 to open & interest is paid monthly. No minimum balance to earn APY*. Rates are subject to change at any time. Substantial penalty for early withdrawal.
Offer: Interest paid/credited monthly.
Promotional rate · 3.45% interest rate · Effective Sep 1, 2026
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More details - Maspeth Federal SavingsCertificate of DepositCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Competitive yields Flexible terms from six months to five years Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Minimum balance required to achieve stated APY. Daily balance method.
Offer: Term: 60 months. Interest compounded continuously.
3.39% interest rate · Effective Oct 23, 2026
Rate checked
More details - Salt City Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Renew automatically at maturity. Minimum balance $1,000. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 12/31/26.
Offer: Compounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity.
Promotional rate · 3.45% interest rate · Effective Oct 16, 2026
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More details - AmeriCU Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Rates are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
Offer: The minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date.
3.44% interest rate · Effective Oct 23, 2026
Rate checked
More details - Patelco Credit UnionCertificatesCD · 60 months · $250 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Minimum balance is $250.00. Subject to early withdrawal penalties.
Offer: Dividends paid monthly.
Promotional rate · 3.45% interest rate · Effective Nov 7, 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
3,412 CDs at 3,032 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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