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 121–135 results
- Extra Credit UnionFixed-Rate CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.37%APY$2,384 over 60 months on $10,000Requirements
Product: Extra Credit Union membership required with a minimum deposit of $5 in a regular savings account. No monthly fees. Early withdrawal penalty may apply; 10-day grace period after maturity for auto-renewing certificates.
Offer: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates.
4.30% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 60 months
Bank · Add a location to see nearby branches
4.37%APY$2,384 over 60 months on $10,000Requirements
Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Penalty with early withdrawal.
4.30% interest rate · Effective Jun 22, 2026
Rate checked
More details - San Juan Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.37%APY$2,384 over 60 months on $10,0004.30% interest rate · Effective Sep 30, 2026
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More details - San Juan Credit UnionGrowth CertificateCD · 60 months · $10 min
Credit union · Add a location to see nearby branches
4.37%APY$2,384 over 60 months on $10,0004.30% interest rate · Effective Sep 30, 2026
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More details - Canyon View Credit UnionRegular Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.27% interest rate · Effective Oct 9, 2026
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More details - Canyon View Credit UnionAdd-On CertificateCD · 60 months · $10 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: $10 minimum to open; aggregate limit $250,000; consumer accounts only. Automatically renews for same term unless otherwise requested at maturity. Dividends are paid monthly. Early withdrawal penalties may apply. Min. $10 in primary savings required. Membership required. Other restrictions may apply.
4.27% interest rate · Balance cap $250,000 · Effective Oct 9, 2026
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More details - Alpine Credit UnionBump CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000intro rateRequirements
Product: One-time bump-up in dividend rate during term. Maturity date options 12-60 months. Auto renewal. $500 minimum deposit.
Promotional rate · 4.28% interest rate
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More details - USC Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
Offer: Minimum opening deposit $1,000. Early withdrawal penalties apply.
4.27% interest rate · Effective Oct 17, 2026
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More details - Luana Savings BankCertificate of Deposit (CD)CD · 60 months · $2,000 min · 4.35%–4.50% by balance
Bank · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Open online nationwide or at any branch. $2,000 minimum opening deposit (excludes Kid's CD). No setup or maintenance fees.
4.30% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $2,000 – $100,000Your amount 4.35% $100,000 and up 4.50% Rate checked
More details - Adventure Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Available to anyone who lives, works, worships, or attends school in the State of Michigan; credit union membership requires a $5 share deposit. Early withdrawal penalty on 6-month certificate is 90 days loss of interest; on 12-month term or longer is 180 days loss of interest.
Offer: Early withdrawal penalty is 180 days loss of interest.
4.28% interest rate · Effective Oct 1, 2026
Rate checked
More details - Leader BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,0004.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
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More details - Class Act Federal Credit UnionShare CertificateCD · 60 months · $5,000 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000intro rateRequirements
Product: Offers include terms from 91 days to 48 months and a 60-month Bump-Up Share Certificate allowing a one-time rate bump-up if rates improve. Rate effective 2026-10-15 and subject to change at any time.
Offer: Bump-Up Share Certificate allows members a one-time option to bump-up their original interest rate if rate improves within the 5-year term.
Promotional rate · 4.27% interest rate · Effective Oct 15, 2026
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More details - Home Bank of CaliforniaCertificates of DepositCD · 60 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: No service charges. Interest compounded daily and paid monthly. Substantial penalty for early withdrawal. Express Personal Banking online account opening available for select CDs.
Offer: Qualifies for opening a Companion Savings Account.
4.25% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - KS StateBankChoose your Term CDCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Interest will compound quarterly and will be credited to the account quarterly. The daily balance method is used to calculate interest. Automatically renewable with a 10 calendar day grace period after expiration to add or change the term with no penalty. Substantial penalty may be imposed for early withdrawals. 6 month, 1, 2, 3, 4, 5 and 7 year CDs can be opened online. Available as collateral for a loan.
4.28% interest rate · Effective Oct 5, 2026
Rate checked
More details - Harvard Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Requirements
Product: Available to Harvard FCU members. Must maintain a minimum daily balance of $1,000 to earn posted APY. APY assumes principal and interest remain on deposit until maturity. Crimson Elite checking account holders receive an additional 0.10% bonus to dividend rate and APY. Early withdrawal penalty applies.
Offer: Minimum daily balance of $1,000 must be maintained to earn posted APY.
4.27% interest rate
Rate checked
More details
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