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 1261–1275 of 3,421 results
- Farmers State BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000intro rateRequirements
Product: A $500.00 minimum balance is required to open. CD interest is calculated on the daily balance method. APY is based on semi-annual compounding except terms of 91 days or less. Early withdrawal penalty may be imposed. Single maturity certificates draw no interest after maturity. New customer CDs require visiting the bank in person.
Promotional rate · 3.32% interest rate · Effective Aug 11, 2026
Rate checked
More details - Ohio Healthcare FCURegular CertificatesCD · 60 months · $250 min
Credit union · Add a location to see nearby branches
3.35%APY$1,791 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Rates fixed for term. Early withdrawal penalty applies: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Insured by NCUA up to $250,000.
3.29% interest rate · Compounded daily · Effective Apr 1, 2026
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More details - People First Federal Credit UnionShare CertificateCD · 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: Minimum opening deposit is $500. Early withdrawal penalties apply and may reduce earnings. Automatic renewal available.
Offer: Penalty for early withdrawal.
3.30% interest rate · Effective Aug 5, 2026
Rate checked
More details - Bank of Travelers RestCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,0003.30% interest rate · Effective Oct 20, 2026
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More details - DeMotte State BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,000Requirements
Product: Automatically renewable. A penalty will be imposed for funds withdrawn prior to maturity. Fees may reduce earnings.
Offer: Automatically renewable. Early withdrawal penalty applies.
3.30% interest rate · Effective Oct 7, 2026
Rate checked
More details - Publix Employees Federal Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,000intro rateRequirements
Product: Membership qualification required. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
Promotional rate · 3.30% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.34%APY$1,785 over 60 months on $10,000
Requirements
Product: Interest compounded and paid quarterly or at maturity. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
3.30% interest rate
Rate checked
More details - Erie Community FCUShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,0003.30% interest rate · Effective Oct 5, 2026
Rate checked
More details - First Citizens BankCD (Certificate of Deposit)CD · 60 months · $1,000 min · 3.24%–3.55% by balance
Bank · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,000Requirements
Product: Minimum of $1,000 to open. Terms ranging from 6 to 60 months. Tiered interest rates. Interest begins to accrue on the business day of non-cash deposits. Daily balance method applies a daily periodic rate to principal each day. Early withdrawal penalties apply (90 days interest for 6 & 12 months, 180 days for 18 & 24 months, 365 days for 36, 48 & 60 months).
Offer: Interest compounds and is paid quarterly. One time bump option available. Penalty for early withdrawal will be equal to 365 days interest.
3.20% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD (Certificate of Deposit) Balance APY $1,000 – $5,000 3.24% $5,000 – $25,000Your amount 3.34% $25,000 – $50,000 3.44% $50,000 and up 3.55% Rate checked
More details - Bank of Edmonson CountyCertificate of Deposit AccountCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,000Requirements
Product: Fixed or variable rate certificates available from 30 days to 5 years. Early withdrawal penalty may apply. FDIC insured.
Offer: Quarterly interest payment
3.30% interest rate · Effective Oct 5, 2026
Rate checked
More details - CommonWealth OneShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,000Requirements
Product: Dividends calculated daily and compounded/paid quarterly. Penalty for early withdrawal: 90 days dividends for terms 12 months or less, 180 days dividends for terms over 12 months. Automatically renews at maturity with a 7-day grace period. Additional deposits not permitted except for the 15-month term.
3.30% interest rate
Rate checked
More details - Boonville Federal Savings BankCDsCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.34%APY$1,785 over 60 months on $10,000Requirements
Product: Rates and APR are subject to change without notice.
Offer: Early withdrawal penalty: 365 Days.
3.30% interest rate
Rate checked
More details - Missouri Central Credit UnionShare CertificatesCD · 60 months · $500 min · 3.05%–3.34% by balance
Credit union · Add a location to see nearby branches
3.34%APY$1,784 over 60 months on $10,000Requirements
Product: Interest is paid quarterly on the average daily balance. Penalty for early withdrawal. Rates subject to change weekly. May be used as collateral for a loan.
Offer: Interest is paid quarterly. Rates are subject to change weekly. Penalty for early withdrawal will decrease the yield.
Effective Jul 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $10,000 3.05% $10,000 and upYour amount 3.34% Rate checked
More details - 3.33%APY$1,780 over 60 months on $10,000
Requirements
Product: Fixed rate for a fixed amount of time. Interest can be compounded to the CD, mailed quarterly by check, or deposited to checking or savings account.
Effective Oct 15, 2026
Rate checked
More details - Bank of Edmonson CountyCertificate of Deposit AccountCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.33%APY$1,780 over 60 months on $10,000Requirements
Product: Fixed or variable rate certificates available from 30 days to 5 years. Early withdrawal penalty may apply. FDIC insured.
Offer: Semi-annually interest payment
3.30% interest rate · Effective Oct 5, 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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
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