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 106–120 results
- Tower Federal Credit UnionBump-Up Share CertificatesCD · 60 months · $5,000 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Allows you to bump up to a higher dividend rate once during the term if rates rise. Early withdrawal penalty applies.
Offer: Allows you to change the dividend rate once during the term if rates rise. Early withdrawal penalty applies.
4.31% interest rate · Effective Oct 9, 2026
Rate checked
More details - Fort Worth City CUCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: $1000 Minimum deposit to open. Terms from 6-Months to 60-Months. Interest can be compounded, or deposited into your shares monthly.
4.31% interest rate · Effective Oct 6, 2026
Rate checked
More details - Tendto Credit UnionShare CertificatesCD · 60 months · $1,000 min · 4.40%–4.81% by balance
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: All rates and yields stated below are accurate as of October 1, 2026 and are subject to change. Fees may reduce earnings and the dividend rate may change after the account is opened. Choose your term from 6 to 60 months, or any month in between. Penalty imposed for early withdrawal.
4.33% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.40% $25,000 and up 4.45% $75,000 and up 4.56% $125,000 and up 4.66% $200,000 and up 4.81% Rate checked
More details - F&A Credit UnionCertificatesCD · 60 months · $1,000 min · 4.40%–4.50% by balance
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Must agree to receive paperless eStatements for premium rate. Early withdrawal penalty applies. Automatic renewal available. Federally insured up to $250,000.
Offer: $1,000 Minimum Deposit tier. Dividend rate 4.31%. Must agree to receive paperless eStatements.
4.31% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 4.40% $50,000 and upDividend rate 4.40%. 4.50% Rate checked
More details - SJP Federal Credit UnionCertificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.
Offer: Fixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - Marcus by Goldman SachsHigh-Yield CDCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). 10-Day CD Rate Guarantee applies. Maximum balance limits apply. Additional deposits allowed within first 30 days after opening.
Offer: $500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply.
Effective Oct 5, 2026
Rate checked
More details - Blaze Credit UnionRegular CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Minimum opening deposit of $500. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity.
4.33% interest rate · Effective Sep 28, 2026
Rate checked
More details - City State Bank60 Month Relationship CDCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000with conditionsRequirements
Product: Must have a loan, deposit, or trust and investment account with City State Bank. Early withdrawal penalties may apply. APY assumes interest remains on deposit until maturity.
Offer: Must have a loan, deposit, or trust and investment account with City State Bank.
Qualified rate · 4.36% interest rate
Rate checked
More details - Dow Credit UnionSimple CDsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Starting minimum deposit of $500. Not eligible for the potential year-end Member Saver Reward. Rates effective 10/01/2026. Terms: 3, 6, 12, 13, 18, 24, 36, 48, 60 months.
Offer: Term: 60 Months
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - Landmark Credit UnionCertificate AccountCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Personal accounts only. Minimum balance to open is $500. Early certificate withdrawal penalties apply (90 days of dividends for terms under 1 year; 180 days of dividends for all other terms). Financial institutions and public funds are ineligible.
Offer: Personal accounts only. Penalty for early withdrawal.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - Congressional Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000intro rateRequirements
Product: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
Offer: Special Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal.
Promotional rate · Effective Aug 3, 2026
Rate checked
More details - Members Trust Federal Credit UnionCertificate AccountsCD · 60 months · $1,000 min · 4.39%–4.59% by balance
Credit union · Add a location to see nearby branches
4.39%APY$2,396 over 60 months on $10,000Requirements
Product: Share certificates require just $1,000 to open with terms from 6 months (182 days) up to 7 years. If you need to withdraw the money sooner than expected, you won’t lose any of the principal that you invested.
Offer: 5 Years; Min. $1,000 tier
4.30% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 and upYour amount 4.39% $25,000 and upMini-Jumbo tier (Min. $25,000) 4.49% $90,000 and upJumbo tier (Min. $90,000) 4.59% Rate checked
More details - 4.39%APY$2,396 over 60 months on $10,000
Requirements
Product: No additional deposits allowed. Early withdrawal of principal before maturity is subject to a penalty equal to 90 days' interest. Automatically renews to the same term CD unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
Offer: Minimum opening deposit of $500.00 required. No additional deposits allowed. Early withdrawal penalty of 90 days' interest applies.
4.30% interest rate · Effective Aug 28, 2026
Rate checked
More details - Capstone Federal Credit UnionCertificatesCD · 60 months · $1,000 min · 4.39%–4.59% by balance
Credit union · Add a location to see nearby branches
4.39%APY$2,396 over 60 months on $10,000Requirements
Product: Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
Offer: Standard tier for balances up to $75,000.
4.30% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $75,000Your amount 4.39% Over $75,000 4.59% Rate checked
More details - First Choice Financial Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.39%APY$2,396 over 60 months on $10,000Requirements
Product: $500 Minimum Balance Required; Interest Compounded Daily; Penalty for early withdrawal; Rates are subject to change without notice
Offer: Credit Quarterly
4.30% interest rate · Compounded daily · 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
3,411 CDs at 3,039 banks and credit unions · checked Oct 15–22
- 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