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 1156–1170 of 3,421 results
- Valley Credit UnionCertificates (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Minimum deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply.
3.41% interest rate · Effective Sep 24, 2026
Rate checked
More details - Baylands Family Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Offer: Dividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Georgetown Kraft Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid monthly. Early withdrawal penalties may apply. Minimum balance of $500 required for dividend earnings. Can be used as collateral for a loan.
3.40% interest rate · Effective Sep 21, 2026
Rate checked
More details - First PREMIER BankCertificates of DepositCD · 60–72 months · $500 min
Bank · Add a location to see nearby branches
3.45%APYRequirements
Offer: Must have a Reward Checking Account to be eligible for these rates. A penalty may be imposed for early withdrawal.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - Market USA Federal Credit UnionCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Minimum deposit for most certificates is $500 ($100 for 12 Month Accumulator). Preferred rates require eStatements (and direct deposit of net pay / at least $500/month for standard terms). Dividends are compounded daily and credited monthly.
Offer: Preferred APY includes a 0.35% premium. Direct deposit and eStatements are required to receive this premium. APY will decrease if you discontinue these services.
Compounded daily · Effective Oct 3, 2026
Rate checked
More details - Mid Oregon Credit UnionShare CertificateCD · 60–72 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APYRequirements
Product: A term share certificate is for all members who wish to invest a minimum of $1,000 for a fixed amount of time. Quarterly dividends may be reinvested, transferred, or withdrawn. Automatically renews at maturity with 10 days to renew or change without penalty.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - WyHy Federal Credit UnionTerm CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Fixed rate for term, quarterly paid interest/dividends. Rates can increase by 0.025% APY using available balance from Smart Points accumulation (for terms of 24 months or longer).
3.41% interest rate · Effective Mar 1, 2026
Rate checked
More details - USPS Federal Credit UnionShare CertificatesCD · 60 months · $250 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Rates remain constant for the entire certificate term. Dividends calculated daily and compounded/credited quarterly. Early withdrawal penalty applies.
Offer: Rates set monthly. Penalty for early withdrawal.
3.41% interest rate
Rate checked
More details - Marine Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.45%–3.51% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Dividends compound and credit monthly using the Average Daily Balance method. Penalties may apply for early withdrawals. Accrued dividends will not be paid if account is closed before the end of the dividend period.
Offer: Automatic renewal.
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.45% $100,000 and upJumbo certificate tier. 3.51% Rate checked
More details - United Poles Federal Credit UnionCertificateCD · 60 months
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,0003.40% interest rate · Effective Sep 18, 2025
Rate checked
More details - United Poles Federal Credit UnionCertificate PLU$CD · 60 months
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,0003.40% interest rate · Effective Sep 18, 2025
Rate checked
More details - TVA Community Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Rates quoted are best available and subject to change without notice. Early withdrawal penalties apply.
Rate checked
More details - Five Star Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: $500 minimum opening deposit. Variable rates subject to change. Fees, if incurred, may reduce earnings.
3.40% interest rate
Rate checked
More details - Scott Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
Offer: Dividends compounded quarterly, balance method daily, paid quarterly.
Compounded daily · Effective May 19, 2026
Rate checked
More details - DuGood Federal Credit UnionCertificateCD · 60 months · $1,000 min · 3.45%–3.56% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,848 over 60 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Any fee incurred could reduce earnings. Membership eligibility required.
Offer: Early withdrawal penalties may apply. Any fee incurred could reduce earnings.
3.40% interest rate · Effective Feb 18, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and upYour amount 3.45% $50,000 and up 3.51% $100,000 and up 3.56% 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank