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 1171–1185 of 3,421 results
- Metro Credit UnionShare Certificates (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: Federally insured up to $250,000 by the NCUA. Penalty may apply for early withdrawal. Features automatic renewal at maturity.
Offer: Minimum deposit is $500. Early withdrawal penalty may apply.
3.40% interest rate · Effective Feb 1, 2026
Rate checked
More details - Citizens National BankCertificates of DepositCD · 60 months · $10,000 min
Bank · Add a location to see nearby branches
3.44%APY$1,842 over 60 months on $10,000Requirements
Product: Rates may change without notice. Deposit Account Fee charged may affect the rate and annual percentage yield. Fees could reduce the earnings on the account.
Offer: Requires a Citizens National Bank Deposit Account Fee charged may affect the rate and annual percentage yield.
3.40% interest rate · Effective Oct 15, 2026
Rate checked
More details - TBA Credit UnionCertificate of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.44%APY$1,842 over 60 months on $10,000Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
3.40% interest rate · Effective Apr 22, 2026
Rate checked
More details - Freedom BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.44%APY$1,842 over 60 months on $10,000Requirements
Product: Available with terms from seven days to five years. Fixed and variable rate CDs are available. Penalty may or will be imposed for early withdrawal. Fees or other conditions could reduce earnings.
Offer: Early withdrawal penalty may apply.
3.40% interest rate · Effective Oct 5, 2026
Rate checked
More details - Citizens Bank MinnesotaCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.44%APY$1,842 over 60 months on $10,000Requirements
Product: $500 minimum deposit/balance required. After certificate is issued, no additional deposits are allowed. Compounded quarterly. Early withdrawal penalty is 12 months loss of interest. Basis 365 days.
Offer: Compounded quarterly.
3.40% interest rate · Compounded quarterly · Effective Sep 30, 2026
Rate checked
More details - Simplicity Credit UnionShare CertificatesCD · 60 months · $250 min
Credit union · Add a location to see nearby branches
3.44%APY$1,842 over 60 months on $10,000intro rateRequirements
Product: Member eligibility required. Substantial early withdrawal penalties apply (equal to 180 days' interest on the amount withdrawn). Automatic renewal at the current rate with a ten-day grace period at maturity.
Offer: Dividend paid quarterly.
Promotional rate · 3.40% interest rate
Rate checked
More details - Four Seasons Federal Credit UnionStandard CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.44%APY$1,842 over 60 months on $10,000Requirements
Product: Member eligibility required to join. Share Certificate accounts subject to early withdrawal penalties. Fees could reduce earnings on the account.
Offer: Minimum balance to open and earn dividends is $500.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - The Dolores State BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.44%APY$1,842 over 60 months on $10,000Requirements
Product: Quarterly compounding. Early withdrawal penalty may apply.
Offer: Quarterly compounding. No minimum balance required to earn APY. Early withdrawal penalty.
3.40% interest rate · Effective Sep 1, 2026
Rate checked
More details - West Michigan Postal Service FCUShare Certificates of DepositCD · 60 months
Credit union · Add a location to see nearby branches
3.43%APY$1,837 over 60 months on $10,000Requirements
Product: All Certificates of Deposit receive a 0.15% Renewal Bonus upon expiration (added to rate not APY). Rates are subject to change without notice.
Offer: 0.15% Renewal Bonus upon expiration (added to rate not APY)
Effective Oct 8, 2026
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More details - APG Federal Credit UnionMember Rewards Silver CertificateCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
3.43%APY$1,837 over 60 months on $10,000Requirements
Product: Requires Member Rewards Silver level. Early withdrawal penalties and fees may reduce earnings.
Offer: Member Rewards Silver level
3.38% interest rate · Effective Oct 3, 2026
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More details - Coastal Community Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.42%APY$1,831 over 60 months on $10,000Requirements
Product: Penalty for early withdrawal may apply. Dividend Period: Monthly.
Offer: Monthly dividend compounding; early withdrawal penalty applies
3.37% interest rate · Effective Oct 20, 2026
Rate checked
More details - Diamond Valley FCUShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.42%APY$1,831 over 60 months on $10,0003.38% interest rate · Effective Sep 30, 2026
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More details - FRB Federal Credit UnionTerm CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.41%APY$1,825 over 60 months on $10,000Requirements
Product: Dividends are paid at maturity, quarterly, annually, or custom. Penalties apply for early withdrawal (lesser of 90 days dividends for maturities under 1 year; lesser of 180 days dividends for maturities of 1 year or more; no penalty upon death of primary owner).
Offer: Early withdrawal penalty of the lesser of 180 days dividends or dividends earned since issuance/renewal.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Members Choice Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.41%APY$1,825 over 60 months on $10,000Requirements
Product: Membership is required. Minimum opening balance and to earn APY is $1,000.00. Early withdrawal penalty is 90 days of dividends.
3.35% interest rate · Effective Jul 1, 2026
Rate checked
More details - First PREMIER BankCertificates of DepositCD · 48–60 months · $500 min
Bank · Add a location to see nearby branches
3.40%APYRequirements
Offer: Must have a Reward Checking Account to be eligible for these rates. A penalty may be imposed for early withdrawal.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
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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
3,421 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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