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 1291–1305 of 3,421 results
- Seattle Credit UnionCertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Minimum opening deposit of $1,000. Early withdrawal penalty will reduce earnings. Automatically renews as stated on Truth-in-Savings Disclosure, Account Receipt, or Renewal Notice. Bump Eligible certificates allow members to choose once during the term to bump their rate to the current offered rate of certificates of deposit of the same term length. Membership eligibility requires living, working, worshiping, or attending school in Washington State, being an immediate family member of a member, or working for a community partner, plus opening Membership Savings with $5.
Offer: Bump Option: Eligible. Allows members to choose once during the term to bump rate to the current offered rate for the same term length.
3.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - Hartford Federal Credit UnionShare CertificateCD · 60 months · $2,500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: A $2,500 minimum deposit is required to earn stated dividend rates and yields. Penalty for early withdrawal varies according to maturity. Dividends are compounded and paid monthly.
3.25% interest rate
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More details - American Southwest Credit UnionTerm Share CertificatesCD · 60 months · $500 min · 3.25%–3.30% by balance
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000with conditionsRequirements
Product: Term Share Certificates offer terms from 6 months to 5 years (plus promotional specials). No monthly service charges. Dividends are calculated by the daily balance method, compounded and credited monthly. Penalty may apply for early withdrawal.
Offer: Relationship pricing requires an active checking account with direct deposit or regular recurring deposit to checking.
Qualified rate · 3.20% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 and up 3.25% $10,000 and upYour amount 3.30% Rate checked
More details - Worth Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min · 3.25%–3.41% by balance
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Minimum deposit to open is $1,000. Dividends are compounded daily and paid monthly. Early withdrawal penalty applies.
Offer: Compounded daily, paid monthly. Penalty for early withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 15, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 – $9,999 3.25% $10,000 – $49,999Your amount 3.30% $50,000 – $94,999 3.35% $95,000 and up 3.41% Rate checked
More details - Crossroads BankCertificates of Deposit (CDs)CD · 60 months · $2,000 min
Bank · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Offer: Frequency of Compounding: Semi-Annual; Early Withdrawal Penalty: 360 days interest
3.27% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.30%APY$1,763 over 60 months on $10,000
Requirements
Product: Compass Savings Bank will only accept new deposits from local walk-in customers. Penalty may apply for early withdrawal and reduce earnings. The APY assumes interest remains on deposit until maturity, any withdrawals of interest will reduce earnings. FDIC insured. Fees may reduce earnings. Rates subject to change without notice.
3.25% interest rate · Effective Oct 9, 2026
Rate checked
More details - Logix Federal Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Gold Tier APY. 60-Month term. Rate bump not applicable.
Qualified rate · Compounded monthly · Effective Oct 16, 2026
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More details - UW Credit UnionRegular CertificateCD · 60 months · $500 min · 3.25%–3.35% by balance
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Dividends compounded daily and paid quarterly. Substantial penalties apply for premature withdrawal.
3.20% interest rate · Compounded daily · Effective Oct 2, 2026
Rate by balance
Rate by balance for Regular Certificate Balance APY $500 and up 3.25% $10,000 and upYour amount 3.30% $250,000 and up 3.35% Rate checked
More details - The Halstead BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Customers with aggregate balances of $100,000 or more earn 0.10% above the stated CD rate on new or renewed deposits. Substantial penalty for early withdrawals (waived upon death). Interest is compounded daily.
Offer: Five-Year Certificate. Penalty for early withdrawal is 12 months interest. Compounded daily.
3.25% interest rate · Compounded daily · Effective Oct 14, 2026
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More details - WeStreet Credit UnionCertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty may be imposed. Fees could reduce earnings. 7-month Certificate automatically renews into a 6-month Certificate; all other terms automatically renew with the same term. No maintenance fees.
Offer: Quarterly compounding. Early withdrawal penalty may be imposed.
3.26% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Credit Union of GeorgiaStandard CDCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Balance cap $100,000 · Effective Jul 1, 2026
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More details - Rivermark Community Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Minimum balance to open is $500. Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity. Additional funds cannot be added on promotional certificates.
Offer: 60-Month Certificate term.
3.25% interest rate · Effective Oct 15, 2026
Rate checked
More details - One Source Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: All share certificate rates and APYs are stated as annual rates and are paid monthly or compounded monthly and paid at maturity. Penalty for early withdrawal.
Offer: Paid monthly or compounded monthly and paid at maturity.
3.25% interest rate · Compounded monthly · Effective Oct 6, 2026
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More details - Spring Valley BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Fixed rate for the term. Penalty for early withdrawal.
Offer: 60 Month CD. Compounded daily. Fixed rate for the term (T). Penalty for early withdrawal (P).
3.25% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - First City Credit UnionTerm Certificate AccountCD · 60 months · $1,000 min · 3.20%–3.40% by balance
Credit union · Add a location to see nearby branches
3.30%APY$1,763 over 60 months on $10,000Requirements
Product: Membership required. Tiered rates based on minimum balance. Penalties will be imposed for early withdrawals.
3.15% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Term Certificate Account Balance APY $1,000 – $9,999 3.20% $10,000 – $49,999Your amount 3.30% $50,000 and up 3.40% 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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