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 1381–1395 of 3,421 results
- Members Cooperative Credit UnionMembersPlus Share CertificateCD · 60 months · $1,000 min · 3.25%–3.35% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000with conditionsRequirements
Product: MembersPlus accounts require at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
Offer: Requires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies.
Qualified rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for MembersPlus Share Certificate Balance APY $1,000 and upYour amount 3.25% $100,000 and up 3.35% Rate checked
More details - DFCU FinancialShare CertificatesCD · 60 months · $1,000 min · 3.25%–3.50% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Federally insured by NCUA. Minimum opening deposit of $1,000 required. Minimum balance to earn APY: $1,000. Dividends compounded and paid quarterly. Early withdrawal penalties apply. Rate is based on principal balance at account opening and will not change during certificate term. Automatic renewal when certificate matures. Dividends on Non-IRA Certificates over $2,500 may be deposited to checking, savings, or any non-IRA deposit account.
Offer: Dividend payments compounded quarterly. Dividend rates are determined by principal balance when certificate is opened. Early withdrawal penalties apply.
3.21% interest rate · Compounded quarterly · Effective Oct 20, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $24,999Your amount 3.25% $25,000 – $99,999 3.35% $100,000 and up 3.50% Rate checked
More details - Wichita Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum opening deposit: $500. Terms available from 3 months to 5 years. Automatic renewal available at maturity. Early withdrawal penalty applies (90 days interest for terms up to 6 months, 180 days interest for terms 1 year and longer).
Offer: Early withdrawal penalty: 180 days interest. Dividend period: Quarterly.
3.21% interest rate · Effective Sep 30, 2025
Rate checked
More details - B&V CUShare CertificateCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: $2,000 minimum for terms from 6 months to 48 months. $10,000 minimum for 60-month certificate. Early withdrawal penalties apply. Federally insured up to $250,000 by NCUA.
Offer: $10,000 minimum for 60-month certificate.
Rate checked
More details - Regent BankCertificates of Deposit (CDs)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000intro rateRequirements
Product: No monthly maintenance fees. Fixed interest rates. Early withdrawal penalty applies (3-month CD: 30 days interest; 6-12 month CD: 3 months interest; 18-60 month CD: 6 months interest). Limited-time offer. FDIC insured up to $250,000.
Offer: Early withdrawal penalty: 6-month interest penalty. Limited-time offer.
Promotional rate · 3.21% interest rate · Effective Jul 20, 2026
Rate checked
More details - Home Federal Bank of TennesseeCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: A minimum balance of $500.00 is required to open the account and to obtain the APY. CD rates are fixed for term of account. Automatic renewal. Interest is compounded monthly and paid monthly.
Offer: Interest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn.
3.20% interest rate · Compounded monthly · Effective Oct 20, 2026
Rate checked
More details - Tyndall Federal Credit UnionCertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Membership required. Penalty may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity. Additional deposits are not allowed after opening.
3.20% interest rate · Effective Oct 20, 2026
Rate checked
More details - Associated Credit UnionCertificate of Deposit (CD)CD · 60 months · $200 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000intro rateRequirements
Product: Minimum balance to open is $200. Dividends compounded monthly.
Offer: Good Through October 28, 2026.
Promotional rate · 3.21% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - Associated Credit UnionTrust CDCD · 60 months · $200 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000intro rateRequirements
Product: Minimum balance to open is $200. Dividends compounded monthly.
Offer: Good Through October 28, 2026.
Promotional rate · 3.21% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - FirstBank of NebraskaCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000intro rateRequirements
Product: A penalty may be imposed for early withdrawal. Rates are good through 10/27/2026.
Offer: Daily balance minimum to obtain APY. Early withdrawal penalty may apply.
Promotional rate · 3.21% interest rate · Effective Oct 27, 2026
Rate checked
More details - Fitzsimons Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Membership eligibility required. $5 membership share savings account and one-time $5 fee. Minimum deposit $500. Monthly compounded dividends. Early withdrawal penalties apply (90 days dividends for terms 6 months or less; 180 days dividends for terms 12 months or longer).
3.20% interest rate
Rate checked
More details - Dakota Western BankRegularly Advertised CDsCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Effective Oct 7, 2026
Rate checked
More details - Bank ForwardCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Opening deposit minimum $500 (or $2,500 for specials). Terms range from 3 months to 5 years. FDIC insured.
3.22% interest rate · Effective Oct 15, 2026
Rate checked
More details - Gate City BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,0003.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - Cascade Community Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Membership required ($1 par value membership share must remain on deposit). Accounts do not earn dividends while maintaining a foreign address, or where primary owner must file W-8BEN, is not a US Person, or lacks valid US TIN. Substantial penalty for early withdrawal. After account is opened, additional deposits may not be made. Automatically renewable with 10-day grace period.
3.20% interest rate · Effective Oct 1, 2026
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
3,421 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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