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 1096–1110 of 3,421 results
- Vermont Federal Credit UnionTerm Share CertificateCD · 60 months · $5 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Must be a member of Vermont Federal Credit Union ($5 share deposit in Primary Share account required for membership). Early withdrawal penalty applies. Dividends compounded monthly using the daily balance method.
Promotional rate · 3.45% interest rate · Compounded monthly · Effective Sep 17, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit required for 12 Month Special using funds not currently on deposit at GreenWay Bank. CD specials renew at a 12 Month term; all others renew at original term. Interest credited quarterly (3 Month compounded at maturity). Penalty may be imposed for early withdrawal.
Offer: Compounding quarterly.
Promotional rate · 3.46% interest rate · Effective Sep 22, 2026
Rate checked
More details - American Broadcast Employees FCUInvestment Share 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: NCUA insured up to $250,000. Minimum opening deposit is $500 ($100,000 for Jumbo Certificates). Monthly dividend crediting. Early withdrawal penalty applies: 90 days’ dividends for terms 1 year or less, 120 days’ dividends for terms over 1 year but less than 5 years, 180 days’ dividends for terms 5 years or more. Certificates automatically renew at the current dividend rate unless you choose to transfer funds to your Share Account.
Effective Sep 23, 2026
Rate checked
More details - Michigan Schools & Government Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.
Promotional rate · 3.46% interest rate
Rate checked
More details - Direct Federal Credit UnionCD Share CertificatesCD · 60 months · $250 min · 3.50%–3.55% by balance
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000with conditionsRequirements
Product: APY shown assumes account is paired with an active Direct Advantage Checking; without it, APY is 0.10% lower. New money only. Monthly fee is $0. Early withdrawal penalty applies.
Offer: Assumes paired with active Direct Advantage Checking (0.10% lower APY without it). New money only.
Qualified rate · 3.44% interest rate · Effective Dec 20, 2025
Rate by balance
Rate by balance for CD Share Certificates Balance APY $250 – $100,000Your amount 3.50% $100,000 and up 3.55% Rate checked
More details - Peoples State BankCertificates of Deposit (CDs)CD · 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 on any CD.
Offer: Raise Your Rate one time during term of CD - available 60 month term only. Interest compounded Annually
3.50% interest rate · Compounded annually · Effective Feb 11, 2026
Rate checked
More details - Healthcare Systems Federal Credit UnionShare CertificateCD · 60 months · $1,000 min · 3.40%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Dividends compounded daily, credited quarterly. Early withdrawal penalty may be imposed. Bump-up option available for 36-month term or longer to increase rate once to current published equivalent term rate.
Compounded daily
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.40% $10,000 and upYour amount 3.50% Rate checked
More details - TruEnergy 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 $10,000intro ratePromotional rate · 3.45% interest rate
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More details - Lakehurst Naval Federal Credit UnionCertificateCD · 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: Dividends are earned daily and posted quarterly.
Offer: Minimum balance of $1,000.
Rate checked
More details - L&N Federal Credit UnionCertificatesCD · 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: Dividends are earned daily and posted quarterly (with the exception of 6 month certificates, where dividends are posted at maturity). Rates offered can vary from week to week.
Rate checked
More details - Louisville 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: Minimum deposit: $1,000. Interest compounded & paid quarterly. Transfer any amount $1,000 or over from your Shares to a CD. Rates subject to change without notice.
Effective Jul 1, 2026
Rate checked
More details - Farmers BankCertificates of DepositCD · 60–84 months · $500 min
Bank · Add a location to see nearby branches
3.50%APYRequirements
Product: Interest compounded daily and credited at maturity. Minimum balance required each day to obtain disclosed APY. Early withdrawal penalty may be imposed. Automatically renews with a 10-day grace period. No additional deposits or withdrawals allowed until maturity.
Offer: Early withdrawal penalty may be imposed.
3.44% interest rate · Compounded daily · Effective Sep 11, 2026
Rate checked
More details - Northeast Alabama Postal FCUCDCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Available to members. Offer and rates subject to change. Minimum balance to open is $500. Maximum CD balance $250,000.
Offer: 5 Years APY. Early withdrawal penalties apply.
Promotional rate · Balance cap $250,000
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More details - Florence Federal Credit UnionCD 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: Grace Period: 10 days with option to renew at rate as of maturity date or rate on day renewed. Share Certificates require a minimum deposit of $500.00. A penalty may be imposed for early withdrawal. Rates are subject to change at any time.
3.50% interest rate
Rate checked
More details - MembersFirst Credit UnionCertificate of DepositCD · 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: Minimum opening balance of $1,000 is required to earn dividends on all Certificates of Deposit ($500 for CU Succeed account holders). Early withdrawal penalties apply.
Offer: Term 60 Months. CU Succeed account holders can open with a minimum balance of $500.
3.45% interest rate · Effective Jan 12, 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
3,421 CDs at 3,040 banks and credit unions · checked Oct 22–25
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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