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 1231–1245 of 3,421 results
- American Bank (Baxter Springs, KS)Certificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.39%APY$1,814 over 60 months on $10,0003.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Southern State BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.39%APY$1,814 over 60 months on $10,000Requirements
Product: Interest paid monthly or at maturity. Penalties for early withdrawal: maturity of 12 months or less is 1 month of interest; maturity of greater than 12 months is 3 months of interest.
Offer: Term: 60 Months.
3.35% interest rate · Effective Mar 24, 2026
Rate checked
More details - Panhandle Federal Credit UnionShare CertificatesCD · 60 months · $250 min · 3.39%–3.55% by balance
Credit union · Add a location to see nearby branches
3.39%APY$1,814 over 60 months on $10,000Effective Oct 27, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $250 – $25,000Your amount 3.39% $25,000 – $75,000 3.44% $75,000 and up 3.55% Rate checked
More details - Reliance State BankCertificates of DepositCD · 60 months · $2,500 min · 3.28%–3.53% by balance
Bank · Add a location to see nearby branches
3.38%APY$1,808 over 60 months on $10,0003.25% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $2,500 and up 3.28% $10,000 and upYour amount 3.38% $25,000 and up 3.53% Rate checked
More details - Community Savings BankFive-In-One CertificateCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
3.38%APY$1,805 over 60 months on $10,000with conditionsRequirements
Product: Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.
Offer: Optional renewal - 4th year of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 17, 2026.
Qualified rate · 3.38% interest rate · Effective Oct 17, 2026
Rate checked
More details - JM Associates FCUTerm Share CertificateCD · 60 months · $1,000 min · 3.36%–3.41% by balance
Credit union · Add a location to see nearby branches
3.36%APY$1,797 over 60 months on $10,000Requirements
Product: Penalties for early withdrawal on term share accounts.
3.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 and upYour amount 3.36% $50,000 and up 3.41% Rate checked
More details - Great Basin Federal Credit UnionShare CertificateCD · 36–60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APYRequirements
Product: Share Certificates automatically renew upon maturity for the same term at current rates. Dividends paid quarterly; subject to early withdrawal penalties.
3.31% interest rate · Effective Aug 24, 2026
Rate checked
More details - BMO AltoAlto Online Certificates of Deposit (CDs)CD · 60 months · $0 min
Part of BMO · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Available to U.S. citizens and U.S. resident aliens 18 and older for individual or joint accounts. Cannot be opened in the name of a business, trust, or fiduciary capacity. Alto does not offer UTMA accounts or IRA CDs. Account must be funded within 10 days of opening or it will be closed. Funds may not be withdrawn for 15 days after initial funding. Early withdrawal penalties may apply. No fees charged.
Offer: Fixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding.
Effective Oct 25, 2026
Rate checked
More details - Proponent Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 3.30%–3.40% by balance
Credit union · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Membership eligibility required. Penalties apply for early withdrawals from certificate accounts. Fees may reduce earnings. Dividends are compounded daily and credited monthly. Funds insured by NCUA up to $250,000 per depositor.
3.25% interest rate · Compounded daily · Effective Oct 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.30% $10,000 – $25,000Your amount 3.35% $25,000 and up 3.40% Rate checked
More details - Franklin Trust Federal Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Minimum balance on all share certificates: $1,000. Interest paid monthly. Substantial penalty for early withdrawal. 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.
Offer: 0.25% bonus on $50,000–$99,999.99; 0.50% bonus on $100,000 and over.
3.30% interest rate
Rate checked
More details - Rio Grande Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Rio Grande Credit Union membership is required. Assumes principal and interest remain on deposit for the term of the Certificate. Substantial penalties may be imposed for early withdrawal and could reduce earnings.
Offer: Substantial penalties may be imposed for early withdrawal and could reduce earnings.
3.30% interest rate · Effective Oct 22, 2026
Rate checked
More details - Mass Bay Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000intro rateRequirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Minimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member.
Promotional rate · Balance cap $250,000 · Effective Oct 16, 2026
Rate checked
More details - Constitution BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Interest compounded daily. Early withdrawal penalties apply.
Offer: Interest compounded daily; monthly crediting frequency. *Kids CD $250.00 to open if they have a Kids Club Account. $500.00 to open all other Kids CDs.
3.30% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - Lassen Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min · 3.35%–3.50% by balance
Credit union · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Minimum balance required to open a regular certificate is $1,000.00. Dividend rate and APR may change at any time. APY is based on the assumption that dividends remain in the account until maturity; early withdrawal penalties may apply.
3.30% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $49,999Your amount 3.35% $50,000 – $99,999 3.40% $100,000 and up 3.50% Rate checked
More details - Greater Iowa Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Minimum balance to open: $1,000. Interest compounded monthly unless paid directly to you. Early withdrawal penalty of 90 days of interest will be imposed and may be deducted from principal amount. Withdrawal of earnings could reduce APY.
3.30% interest rate · Compounded monthly · Effective Oct 6, 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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