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 16–30 results
- Sallie MaeSallie Mae Certificates of DepositCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Personal accounts only. Minimum deposit and balance required is $2,500. Early withdrawal penalty applies: 90 days' simple interest for terms 12 months or less; 180 days' simple interest for terms greater than 12 months. Automatically renews at maturity with a 10 calendar day grace period.
4.64% interest rate · Effective Oct 22, 2026
Rate checked
More details - 7 17 Credit UnionCertificateCD · 60 months · $500 min · 4.75%–5.00% by balance
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Penalty for early withdrawal.
4.67% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 4.75% $250,000 and upSpecial Jumbo Certificate Bonus (+0.25% APY). 5.00% Rate checked
More details - United Equity Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000intro rateRequirements
Product: Guaranteed returns on deposit; early withdrawals subject to penalty; no setup or maintenance fees. Rates effective as of 2026-03-23.
Offer: Limited Time Special! New Money Only.
Promotional rate · 4.65% interest rate · Effective Mar 23, 2026
Rate checked
More details - Stanford Federal Credit UnionCertificatesCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Premium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus).
Qualified rate · 4.65% interest rate · Effective Sep 18, 2026
Rate checked
More details - Nicolet National BankCertificate of DepositCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - Energy Credit UnionCertificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: Must be a member of Energy Credit Union with a Share (Savings) Account to open online via Energy@Home. Interest compounded and paid monthly. Substantial penalty for early withdrawal.
Offer: Interest is compounded and paid monthly. Substantial penalty for early withdrawal.
4.65% interest rate · Effective Oct 12, 2026
Rate checked
More details - Barclays Bank DelawareBarclays Online CDsCD · 60 months · $0 min
Bank · Add a location to see nearby branches
4.75%APY$2,612 over 60 months on $10,000Requirements
Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.
4.64% interest rate · Effective Oct 7, 2026
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 60 months · $1,500 min
Bank · Add a location to see nearby branches
4.70%APY$2,582 over 60 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 365 days simple interest for terms 4 years and up.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 2026
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More details - BTG Pactual Bank, National AssociationOnline CDCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.70%APY$2,582 over 60 months on $10,000intro rateRequirements
Product: Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Interest is compounded monthly and assumes funds remain on deposit until maturity.
Promotional rate · 4.60% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - Grant County BankCertificates of Deposit (CDs)CD · 60 months · $1,000 min · 4.69%–4.79% by balance
Bank · Add a location to see nearby branches
4.69%APY$2,576 over 60 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Interest rate and APY may change after account opening.
4.64% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $100,000Your amount 4.69% $100,000 and up 4.79% Rate checked
More details - Advancial Federal Credit UnionSavings CertificatesCD · 60 months · $1,000 min · 4.66%–4.87% by balance
Credit union · Add a location to see nearby branches
4.66%APY$2,558 over 60 months on $10,000Requirements
Product: Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
4.56% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Savings Certificates Balance APY $1,000 and upYour amount 4.66% $25,000 and upJunior Jumbo tier 4.76% $50,000 and upJumbo tier 4.87% Rate checked
More details - Waukesha State BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.65%APY$2,552 over 60 months on $10,000Requirements
Product: Rates and terms apply to regular and jumbo CDs up to $1 million. Advance approval required over $1 million. Penalty for early withdrawal may apply. Fees could reduce earnings.
Offer: APY compounded monthly.
4.55% interest rate · Compounded monthly · Balance cap $1,000,000
Rate checked
More details - Massena Savings & Loan AssociationFixed Rate CertificatesCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.64%APY$2,546 over 60 months on $10,000Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal.
4.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
4.63%APY$2,540 over 60 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
4.55% interest rate
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 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
3,411 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