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 136–150 results
- 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 - 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
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More details - On Tap Credit UnionTerm CertificatesCD · 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: Must be a member of On Tap Credit Union. Dividends compounded monthly, credited monthly. Early withdrawal penalties apply. Dividend withdrawal allowed. Additional deposits not permitted.
4.27% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - Gunnison Savings & LoanCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,0004.25% interest rate
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More details - EUCCUShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.35%APY$2,373 over 60 months on $10,000Effective Oct 1, 2026
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More details - Chiphone Federal Credit UnionCertificates 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: Dividends compounded daily and credited monthly to certificate or savings account. Substantial penalty for early withdrawal. May be assessed an Annual Fee, Transfer Fee, and Termination Fee.
4.26% interest rate · Compounded daily · Effective Sep 24, 2024
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More details - Bank of Franklin CountyCertificates of DepositCD · 60 months
Bank · Add a location to see nearby branches
4.34%APY$2,367 over 60 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. FDIC insured up to $250,000.
Offer: 60 Month Certificate
Qualified rate · 4.26% interest rate
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More details - ARC Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$2,363 over 60 months on $10,000Requirements
Product: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
Offer: Minimum balance for all Certificates is $500. Early withdrawal fees/penalties may apply.
4.25% interest rate
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More details - Gratiot Community Credit UnionTimed CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.33%APY$2,361 over 60 months on $10,0004.25% interest rate · Effective Oct 7, 2026
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More details - HFS Federal Credit UnionShare CertificatesCD · 60 months · $2,500 min
Credit union · Add a location to see nearby branches
4.33%APY$2,361 over 60 months on $10,000Requirements
Product: Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii (par value of one share is $5.00 with a $1.00 membership fee; $50.00 opening balance required to open a Savings Account). Share Certificates may be subject to early withdrawal penalty. Additional deposits not allowed during term.
Offer: Suffix S60. Fixed rate. Dividends compounded and credited monthly. Account automatically renews.
Effective Oct 21, 2026
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More details - Coast Central Credit UnionSavings CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$2,361 over 60 months on $10,000Requirements
Product: Dividends are calculated daily and paid monthly. Early withdrawal penalty: certificates with 12-month maturity or less carry a 60-day forfeiture of dividends; over one year carry a 90-day forfeiture of dividends. Dividend penalty will never exceed dividends actually earned. No monthly service fee.
Offer: Term 60 months (7700).
4.25% interest rate · Effective Oct 14, 2026
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More details - Big Island Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$2,361 over 60 months on $10,000Requirements
Product: Dividends are compounded and credited monthly. Early withdrawal penalties may apply.
Offer: Dividends are compounded and credited monthly. Early withdrawal penalties may apply.
4.25% interest rate · Effective Oct 3, 2026
Rate checked
More details - TLC Community Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.32%APY$2,355 over 60 months on $10,000with conditionsRequirements
Product: 365 day penalty for early withdrawal. $1,000 minimum deposit to open and earn the stated APY.
Qualified rate · 4.25% interest rate · Effective Sep 24, 2026
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More details - 4.32%APY$2,355 over 60 months on $10,000
Requirements
Product: No monthly maintenance fee; penalties exist for early withdrawals.
4.25% interest rate · Effective Aug 24, 2026
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More details - FedFinancial Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.31%APY$2,349 over 60 months on $10,000Requirements
Product: APY is based on a $1,000 deposit and may vary based on the amount of deposit. Early withdrawal penalty applies: 90 days' dividends for terms less than 1 year, 180 days' dividends for terms of 1 year or more.
Offer: APY is based on a $1,000 deposit and may vary based on the amount of deposit.
4.23% interest rate · Effective Oct 3, 2026
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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
3,413 CDs at 3,038 banks and credit unions · checked Oct 16–23
- 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