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 301–315 results
- Eureka Savings BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.08%APY$2,213 over 60 months on $10,000Requirements
Product: $1,000.00 minimum balance needed to open. Interest compounds daily. Funds are subject to penalty for early withdrawal.
4.00% interest rate · Effective Oct 6, 2026
Rate checked
More details - Metz Banking CompanyCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.08%APY$2,213 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Interest is compounded daily on all certificates.
4.00% interest rate · Compounded daily · Effective Oct 9, 2026
Rate checked
More details - Ohio Valley Community Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$2,213 over 60 months on $10,000Requirements
Product: Flexible terms from 3 months to 5 years, with a minimum deposit of $1000.00. Dividends compound monthly or can be transferred to savings account monthly or at maturity.
4.00% interest rate · Effective Sep 24, 2026
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More details - McCoy Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$2,210 over 60 months on $10,000Requirements
Product: $1,000 minimum deposit required to open. Early withdrawal penalty applies. Rates subject to change without notice.
4.00% interest rate · Effective Sep 23, 2026
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More details - Noda Federal Credit UnionCD RatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$2,210 over 60 months on $10,0004.00% interest rate · Effective Jul 1, 2026
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More details - Lowell Firefighters FCUCertificates of DepositsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: Rates fixed for the term once opened. Dividends calculated on the daily balance and compounded monthly. Early withdrawal penalty may be imposed.
4.00% interest rate · Compounded monthly · Effective Sep 23, 2026
Rate checked
More details - 4.07%APY$2,208 over 60 months on $10,000
Requirements
Product: Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.
Offer: With 2,500 Co-op Points
4.00% interest rate · Effective Oct 5, 2026
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More details - Valley Credit UnionTerm Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Compounding monthly. A penalty applies for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Oct 1, 2026
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More details - Maine Highlands Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Rates quoted monthly (rate fixed for the term of the certificate). Dividends pay monthly, calculated at simple interest and compounded monthly.
Offer: A penalty may be imposed for early withdrawal.
4.00% interest rate · Compounded monthly · Effective Oct 15, 2026
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More details - Bangor Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
4.00% interest rate · Effective Oct 6, 2026
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More details - Eagle One Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: Dividends are posted monthly based on the average daily balance. Early withdrawal penalties apply. Insured up to $250,000 by NCUA.
4.00% interest rate · Effective Oct 8, 2026
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More details - Farm Credit Employees Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,0004.00% interest rate · Effective Oct 4, 2026
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More details - Ascend Federal Credit UnionRegular Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal.
4.00% interest rate · Effective Oct 1, 2026
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More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
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More details - O&R Utilities Employees Federal Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: Minimum balance to open is $500. Terms offered from 6 to 60 months. Dividends are compounded daily and credited monthly. Early withdrawal penalty applies: 90 days of dividends for maturity dates less than 1 year, and 180 days of dividends for maturity dates of more than 1 year.
4.00% interest rate · Compounded daily · Effective Dec 1, 2025
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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